Don’t let them in! The rising danger of ATM Cards delivered to your doorstep and how to protect yourself – Times of India

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Imagine the excitement of receiving an unexpected package, only to find what appears to be a brand new ATM card inside. As you wonder, a call follows, the caller posing as a bank representative, assuring you that it’s an upgraded card. They request the OTP sent to your phone for activation, and without hesitation, you share the details. In a few seconds, – your bank account is wiped!
In a new wave of ATM fraud, cyber fraudsters are sending ATM cards directly to your home. This is part of a growing trend of exploiting the unsuspecting by combining social engineering with the convenience of doorstep delivery. The surprising fact is that this corruption is carried out with careful planning, taking advantage of the element of surprise to keep victims safe.
Given this emerging threat, it is becoming increasingly important for ATM users to be vigilant against fraudulent techniques that can rob them of their hard-earned money. Here are some of the types of ATM fraud that are trapping people across the country:
Skimming, a frequently used method, installs deception devices and cameras in ATMs to capture card information during customer transactions. Look for any unusual expansion of the card and check if the keypad looks thicker than usual. Additionally, inspect the ATM for signs of tape or glue, and be aware of the presence of a camera inside the machine.
to shine This is a more sophisticated iteration that involves inserting thin devices inside the card reader to intercept chip data, bypassing the security measures of EMV chips. When near an ATM, check the keypad for any unusual thickness and maintain vigilance. To prevent shoulder surfing, cover the keypad when entering your PIN. Be alert and cautious to protect yourself from these nasty tactics used by fraudsters.
Cloning This is also a form of phishing. Cloning fraudsters use stolen card information to create duplicate cards for unauthorized transactions.
I Card jammingcybercriminals use devices to trap a customer’s card inside an ATM, either for later retrieval or paired with hidden camera recording PIN entries.
Keyboard jamming This involves manipulating ATM keypads such as jamming the ‘Enter’ or ‘Cancel’ buttons, and either recording the PIN or stealing the card when the victim is looking for help.
With such shocking examples, it is important to avoid fake ATM card alerts and stay safe. Here’s how you can protect yourself from ATM fraud:

IPS to stay one step ahead
Vigilance is key: Genuine banks never send unsolicited cards or ask for OTP over phone. Confirm any unexpected packages or communications with your bank.
OTP Confidentiality: Never share your OTP, even if the caller claims to be from your bank. Legitimate banks do not ask for OTP over phone.
Quick Action: If you receive an unwanted ATM card, contact your bank immediately to verify its authenticity. Do not activate or use it until you confirm with your bank.
Reverse the damage: If you suspect you have been a victim, contact the bank’s customer care service immediately to block your card for any untoward transactions.
spread the word: Share this information with friends and family to create awareness about new ATM card fraud. Education is the first line of defense against such fraudulent activities.

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Join the vigilante army: Vigil aunty of HDFC Bank will advise you to protect yourself from the fraudsters lurking in the world of ATM fraud. To join the Vigil Army, send it a ‘hello’. WhatsApp numberand follow her at @VforVigilAunty on Instagram And on @VforVigilAuntyOfficial Facebook. For more information visit Here
Disclaimer: This article has been prepared by The Times Internet Spotlight Team on behalf of HDFC Bank.

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