Card Skimming and what you need to know

Here in the Financial Crime Management Centre we regularly hear customers’ frustrations after having their cards compromised. So what is card skimming and how can you protect yourself?

Skimming requires a special device to be covertly installed on an ATM or EFTPOS machine to ‘skim’ your card details as you insert it into the reader. Criminals can use this data fraudulently online, or they can make a physical copy of your card to use in stores.

Every time you pop your card into a BNZ ATM, our world-leading liquid encryption technology (LENSecure) updates the security information on your card’s magnetic strip. This means that in the unlikely event that someone manages to make a copy of your card, the fake card will be out of date pretty quickly. For more information on LEN see our previous post here. 1

Here are some red flags to look out for:

  1. Keep an eye out for hidden cameras – sometimes a hidden camera will be used in conjunction with a skimming device to record you entering your PIN. Make sure you always cover the PIN pad when entering your PIN to ensure it can’t be seen.

  2. Check out the keypad – sometimes a false keypad will be overlaid on top of the actual keypad to capture your keystrokes. Make sure there isn’t anything loose or moving.

  3. Is there a light shining? There is a tasklight above the keypad, if this light is out this can be a sign that it has been tampered with. Please call BNZ and let us know, and we’d recommend not using the ATM.

  4. Jiggle the card reader – before you put your card in an ATM, give the card reader a jiggle. It shouldn’t move. Look out for anything loose, damaged or crooked. Also check for signs of adhesive like glue or tape around the card reader.

If you suspect something unusual, don’t use the machine and contact BNZ immediately on 0800 286 435 or +64 4 924 0499.

Thanks Olivia - great advice just in time for the long weekend :grinning:

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