ATM and EFTPOS PI
& Skimming Awaren
A customer education guide to assist in
raising awareness on PIN Security and
Association of Building Societies and Credit Unions
ATM & EFTPOS PIN Security and Skimming Awareness
About ATMs & EFTPOS
Automatic Teller Machines (ATMs) and Electronic Funds Transfer Point of Sale (EFTPOS) terminals are used around the world to make either currency available
to customers or to transact/make purchases electronically with convenience. You can now use an ATM or EFTPOS terminal at all types of locations; at a Credit
Union, Building Society or Bank, shopping centres, convenience stores/petrol stations, pubs & clubs and airports. Not all ATMs are owned by Financial
Institutions. Some are independently owned by the merchant, others are part of an independently owned network.
ABS building society uses all ATMs. These ATMs are part of networks owned by other banks or institutions.
Secure use of an ATM or EFTPOS terminal
Here are some prudent actions that you can take when using an ATM.
o Choose ATMs that are in well-lit, public or highly populated areas.
o Remove the cash quickly and secure it out of public view as soon as practicable
o Be sure to remove your card
o Be attentive to your physical surrounds during and after an ATM transaction; and
here are some tips for both ATM and EFTPOS terminal use:
o Make sure that there are no people standing close to you, while you are conducting a transaction.
o Be aware of attempts to distract you
o Cover your PIN number with your hand or purse/wallet when entering it on the keypad
What is Skimming?
Card Skimming is a method to fraudulently capture information contained in the magnetic stripe on the back of your ATM/EFTPOS card. It can occur at either
an ATM or an EFTPOS terminal.
An ATM skimming device used to capture this information is often smaller than a standard pack of cards and is fastened close to or over the top of the ATM’s
factory-installed card reader.