ATM safety tips to help protect your money

Using an ATM is part of everyday banking for many people, even when managing your money is moving online. It is quick, convenient and often the easiest way to withdraw cash when you need it.

However, ATMs can also attract criminals looking for a chance to steal your card details, watch you enter your PIN or distract you long enough to take advantage. This is why it helps to treat every ATM visit as a moment to stay alert, even if you are in a hurry.

Why protecting your PIN matters

Your PIN is one of the most important security features linked to your bank card. It helps confirm that transactions and withdrawals are authorised by you.

If criminals gain access to both your card and your PIN, they may be able to access your account and withdraw funds. Because of this, protecting your PIN should always be a priority when using an ATM or making card transactions.

Learn more about ATM Banking and how to manage your card.

Common ATM and PIN scams to watch out for

1. Shoulder surfing

2. Card swapping scams

3.  ATM tampering and card skimming

4.  Fake assistance scams

See latest scams

Simple ways to protect your card and PIN

Always shield your PIN

Use your hand or body to cover the keypad whenever entering your PIN at an ATM or payment terminal.
Even if nobody appears nearby, hidden cameras may still be used to capture information.

Never share your PIN

Your PIN should remain private at all times. A bank employee, retailer or legitimate service provider will never ask you to reveal your PIN. If anything feels suspicious, rather use another ATM.

Choose ATMs in secure locations

Whenever possible, use ATMs located inside shopping centres, bank branches or well-lit public spaces with visible security presence.

Don’t let anyone rush or distract you

Criminals often rely on confusion and urgency. Take your time, follow each step carefully and avoid asking for assistance from strangers.

Using an ATM should feel simple, safe and convenient. If you feel unsure and practicable, go inside the branch and ask a staff member for assistance rather than asking someone you do not know.

Be careful whom you ask for help at an ATM

ATMs can sometimes feel confusing or overwhelming, especially if you’re unfamiliar with certain transactions or digital banking features. Criminals are aware of this and may take advantage of customers who appear unsure or need assistance.

If you need help at an ATM

• Avoid asking strangers for assistance 
• Never share your PIN or hand your card to someone else 
• Rather go inside the branch or speak to a verified bank employee for help 
• If possible, use ATMs located at bank branches where assistance is available 

What to do if your card is stuck in an ATM

•  Do not leave the ATM immediately
• Cancel your card through your Banking App or contact your bank as soon as possible. If your card is stuck or has been ‘swallowed’ by the ATM, the bank’s contact details may be displayed on the screen for you to contact
• Report the incident immediately
• Never accept assistance from strangers
• If possible, move to a secure location before contacting the bank

Take your time and ask for assistance from trusted bank staff who can help you bank more safely and confidently.

<sup>Disclaimer: This article is for information purposes only and does not constitute financial, tax or investment advice. Readers are strongly encouraged to seek financial or legal advice before making any decisions based on the content.

Standard Bank, its subsidiaries or holding company, any subsidiary of the holding company and all of its subsidiaries make no warranties or representations (implied or expressed) as to the accuracy, completeness or suitability of the content of this article. The use of the article and any reliance on the content is at the reader’s risk.</sup>