ATMs are meant to make banking easy, but scammers keep creating new tricks to steal money from unsuspecting people. A new method is becoming more common in Nigeria and many people have already fallen victim without realising how it happened. This simple explanation will help you understand how the scam works and what you must do to protect yourself.
How the New ATM Scam Works
This scam starts when a scammer hangs around an ATM point pretending to be a normal customer. They watch people who seem confused, in a hurry or distracted. Their goal is to get close enough to either steal your card details or swap your ATM card without you noticing.
Here is how it typically happens:
1. The Fake Helper Method
The scammer pretends to be friendly and offers to “help” you when your ATM card is not inserting properly or when the machine is “not responding.”
While distracting you, they replace your real ATM card with a similar-looking card.
After you leave, they use your real card and the PIN they saw you type to withdraw money from your account.
2. The ATM Jam Trick
The scammer inserts a tiny object inside the ATM card slot to make the machine reject every card.
When you struggle with the machine, they appear and advise you to “try again.”
While you are confused, they watch your PIN as you enter it.
Later, after you leave, they remove the object, use your PIN and card details to access your money.
3. The Hidden Camera Technique
Some scammers install tiny cameras or keyloggers around the ATM.
These devices record your PIN as you type it.
Once they have your number, they only need brief access to your card or card details to empty your account.
Signs You Are About to Be Scammed
You can avoid these scams by watching for warning signs. Be alert if:
- Someone is loitering around the ATM with no intention of using it
- A stranger offers unsolicited help
- The ATM looks damaged, loose or has strange attachments
- Your card suddenly gets stuck or rejected
- The person behind you stands too close or tries to look at the screen
If something feels off, leave immediately and use another machine.
How to Protect Yourself
You do not have to be a banking expert to stay safe. These simple steps can save you from losing your money:
1. Never Accept Help from Strangers
Real bank staff do not assist people directly at the ATM.
If anyone tries to help, politely refuse and leave.
2. Cover Your PIN at All Times
Use your hand or body to shield the keypad.
Even a hidden camera will not capture your PIN if you cover it.
3. Always Inspect the ATM Before Using It
Check for anything that looks unusual such as:
- A loose card slot
- Extra plastic layers
- Wires or tiny holes around the keypad
If something looks suspicious, do not use the machine.
4. Do Not Allow Anyone Stand Too Close
If the next person is too near, ask them to step back.
Your PIN is your responsibility—never expose it.
5. Use ATMs Inside Banks or Busy Locations
ATMs inside bank premises or supermarkets are usually safer because scammers avoid areas with supervision or cameras.
6. Enable Bank Alerts
Ensure debit alerts, email notifications and mobile banking are active.
If you notice any strange withdrawal, contact your bank immediately.
What to Do If You Suspect Your Card Has Been Compromised
If your card gets stuck or the machine behaves strangely:
- Do not leave the ATM immediately.
- Call your bank’s customer care number on the back of your card.
- Request instant card blocking before leaving the area.
- If possible, inform the security personnel around the area.
Acting fast can stop scammers from withdrawing your money.
Final Thoughts
ATM scams are becoming more sophisticated, but you can stay safe by being alert and protecting your PIN. Never accept help from strangers, always inspect the ATM before use and enable alerts on your account. The more aware you are, the harder it becomes for scammers to succeed.
