What is card skimming and how can I protect my card against it?
Card skimming is a type of fraud where criminals use a device or other method to capture information from your payment card. A few simple habits can help reduce your risk of card fraud.
Card skimming is a type of fraud where criminals use a device or other method to capture information from your payment card, which may then be used to make unauthorised transactions or create a counterfeit card.
Skimming can happen when you use your card at an ATM, payment terminal or other card reader, but there are simple steps you can take to help protect your Centtrip card and your money.
What are the most common card skimming methods?
- Tampered card readers - devices attached to ATMs or payment terminals can capture your card details.
- Hidden cameras - used to record your PIN as you enter it.
- Fake keypads - placed over genuine keypads to capture your PIN.
- Card trapping - devices inside ATMs can trap your physical card.
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Portable skimmers - small devices can capture card details when criminals have access to your card.
How can I protect my Centtrip card from skimming?
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Never let your card out of your sight
When making a payment, keep your card with you and make sure it isn't taken somewhere you can't see it. If a merchant needs to handle your card, keep an eye on it and make sure it's returned to you promptly.
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Check the card reader
Before using an ATM or payment terminal, take a quick look at it. Avoid using it if anything looks loose, damaged or unusual, if there appears to be an additional device attached, or if you notice anything that looks out of place, such as traces of glue.
If something doesn't look right, use another ATM or payment terminal.
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Protect your PIN
Always cover the keypad when entering your PIN, even if you don't think anyone is watching. Never share your PIN with anyone and avoid writing it down alongside your card.
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Use contactless where appropriate
Where available, contactless payments can reduce the need to insert your physical card into a payment terminal.
However, you should still follow normal security precautions and keep your card secure.
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Choose ATMs in safe, well-lit locations
Whenever possible, use ATMs in busy, well-lit locations, such as inside banks or established premises. Avoid using ATMs in dark or isolated places where possible.
Be particularly cautious if someone approaches you while you're using an ATM or tells you that you need to use a particular machine.
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Lock your card when you're not using it
If you're not using your Centtrip card, consider locking it in the Centtrip app. This provides an additional layer of protection and can help prevent unauthorised use while your card is locked.
Remember to unlock your card before you need to use it.
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Set up transaction alerts
Turn on transaction alerts so you can receive notifications when transactions are made with your card. This makes it easier to spot anything you don't recognise and report it quickly.
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Keep an eye on your transactions
Regularly check your transaction history for anything you don't recognise.
Reporting suspicious activity quickly can help limit the impact of fraud.
What should I do if I think my Centtrip card has been skimmed?
If you believe your card details may have been compromised, or you notice a transaction you don't recognise, act as soon as possible.
Contact Centtrip immediately using the support details on our site. You can also block your report your card as lost/stolen and block it within the app.
We can help you understand the next steps and, where appropriate, help secure your card.
If your physical card has been lost or stolen, report this immediately as well.
What if I see a transaction I don't recognise?
Don't ignore an unfamiliar transaction. First, check whether it could be a transaction you made recently or one made by an additional card user.
If you still don't recognise it, contact Centtrip as soon as possible.
What are the warning signs of a tampered card reader?
Be cautious if you notice:
- A card slot or keypad that looks different from usual
- Parts of the machine that appear loose or damaged
- An unusual attachment around the card slot
- A keypad that looks raised or doesn't seem securely attached
- Traces of glue or other residue around the card reader
- Someone trying to distract you or instruct you while you're using an ATM
If you're uncomfortable with a card reader, don't use it. Find another payment terminal or ATM instead.
A few simple habits can help reduce your risk of card fraud. If you think your Centtrip card or card details have been compromised, contact Centtrip as soon as possible.