Never share your debit or credit card PIN with anyone. If you see anything unusual about the cash machine or it’s been tampered with, don’t use it and report it to the bank as soon as possible.

When using the ATM:

  • cover your PIN as you type it
  • stand close to the machine
  • use your free hand and body to shield the keypad as you enter your PIN

This will prevent any prying eyes or hidden cameras seeing your PIN.

Don’t get distracted. Be particularly cautious if seemingly well-meaning strangers talk to you or offer to help while you’re using the ATM.

If they’re persistent, simply cancel the transaction and discreetly put your card away. Fraudsters sometimes fit devices to cash machines that trap your card, or ‘eat’ it, which they then retrieve as soon as you’ve left the area.

If an ATM eats your card for any reason, report it to your card company straight away, ideally using your mobile while you’re still in front of the machine.

Make sure you store your card company’s 24-hour contact number in your phone.

Once you’ve completed a transaction put your money and card away before leaving the cash machine.

Destroy or ideally shred your cash-machine receipts, mini-statements or balance enquiries when you’ve finished with them.