Cash machine fraud fear is rifeMore than 3 out of 4 people fear ATM fraud

15 March 2006

Around 15 per cent of people in a recent survey said they'd started withdrawing cash from cash machines inside banks or shops because they thought these machines were safer. A further 13 per cent said they used cash machines less frequently now because of the risk of so-called skimming.

Skimming is where criminals attach a card reader to the entry slot of the cash machine to lift details from cards as they're inserted into the machine. A small camera is also placed over the key pad to film people keying in their Pin number. The criminals then make a counterfeit card and use the Pin to withdraw cash.

Which? money expert Mike Naylor said: 'Which? advice is to always use your hand to shield the keypad from cameras when you enter your Pin. Be careful whom you give your card to and remember that if you're the victim of the fraud, you'll get the money back from your bank.'

Devices tackle skimming

Overall, a quarter of the 1,318 people questioned by Lloyds TSB for the survey, carried out during February, said they were now more nervous about using cash machines than they used to be, and more than three-quarters said they checked there was nothing unusual or suspicious about a machine before inserting their card.

Only 37 per cent of those in the survey said they felt confident they'd be able to identify a cashpoint that had been tampered with.

Lloyds TSB said it had attached anti-skimming devices at its cash machines across the country in a bid to combat card fraud. Cash machine fraud totalled GBP 65.8 million in 2005, according to banking industry body Apacs.

Matthew Timms from Lloyds TSB, said: 'There are over two billion...cash withdrawals every year and while the vast majority of these are problem-free, there is no room for complacency.

'We are doing everything we can to ensure that our cash machines are safe to use but we also need customers' help and we urge people to be vigilant when using cash machines and report anything suspicious by either using the 24-hour phone number we provide on our ATM screens or by contacting the police.'