Skimming

Methods of protection against skimming

Dear cardholders, we wish to inform you, that the skimming spreads increasingly worldwide.

Skimming is the illegal copying data from the card magnetic stripe by means of special devices such as skimmers, with the subsequent copying of this data to another card made by fraudsters, by which any intruders can pay in shopping centers and can use this fake card to withdraw cash from ATMs.

Any fraudsters enjoy willingly the fruits of technical progress and our carelessness. ATMs are particularly popular with intruders: firstly, there is money, and secondly, there are plenty of ways to catch a potential victim off its guard and feather its nest. However, criminals are also vulnerable in this situation: it is simple to catch and arrest them near ATM. Therefore, the intruders have invented devices, which that do overall their dirty work. These are the skimmers.

Skimmer consists of two parts. The first part represents a distinctive pad that attaches to the card reader (card vender). The second part of skimmer is a miniature video camera mounted on the top of ATM, or a privacy shield. The card reader records electronic information from your card, and any criminals can make plastic absolutely identical to your plastic by means of this data. And the video camera or privacy shield is intended to record the PIN number dialled by you.

The fraudsters are not so elusive, and moreover – they often act very carelessly. But this is not a reason to drop guard, especially that the skimmers look often very convincing and are made at the professional level; as a rule, they do not differ in colour from the ATM itself.

Please find below the basic skimming protection rules (these rules apply both to the Bank's ATMs and to the ATMs of all third-party banks, where you decide to withdraw cash):

1. If it seemed to you that something was wrong with ATM, we advise you to make an attempt to withdraw cash from another ATM. The sticking wiring or the material is out of colour of the device around the card reader is the sufficient reasons for suspicion. You may be mistaken, but you certainly should not risk it.
2. Inspect the area around ATM in search of mirrors or other suspicious items. The ATM cabin should not contain any foreign objects. Take a closer look at leaflet holders – often espionage equipment is hidden there.
3. Take care of your PIN. The PIN-code must be preserved from prying eyes, even if you seem strange to the person who is standing in line for you. The easiest way is to cover the keyboard with your palm when typing numbers. It is a primitive protection method, but it works without failure.
4. Look for ATMs under video surveillance. As a rule, any devices placed in the area under video surveillance are better protected from any possible skimmer installation on them, if only because the fraudsters assume such risk rarely.
5. Be wary of ATMs in suspicious places. It is more easily to install skimmers on devices located far from crowded places and busy streets. If possible, use ATMs in the offices of your bank.
6. Do not be afraid to touch the ATM. If it seems to you that the device looks unusual, feel free to check, if the skimmer is installed on ATM. If fraudsters can remove espionage equipment from the card reader, then you can do it.
7. Never use an ATM if anybody offers assistance to you. Often any fraudsters dress as technical staff, bank employees, or simply pretend to be customers. It can be a guy in official uniform, who will tell you that the device is being repaired, cleaned, and will offer you to withdraw funds with its help. Just turn around and leave.
8. If something seemed suspicious to you, inform 24-hour authorization center by phone: +7 (727) 330-43-43. Possibly you will raise a false alarm, but the vigilance very often helps to prevent crime.

Illustrative examples of skimming devices:

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