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ATM Safety for Debit Card Holders

By – Mr. Niraj Bijlani, CEO TOPSGRUP India

India 16 November 2016: Automated teller machines (ATM) have always been a big target for criminals. In the past hunting for ATMs included some heavy tools like a cutting torch or explosives. However with the dawn of the digital Age, everything has changed.
Nowadays culprits can jackpot an ATM without such special effects. With debit card users in the country coming under threat with leakage of financial data and the state bank of india blocking lakhs of cards, most banks in the country may ask you to either change your card or password.
Niraj Bijlani being your security partner shares tips for ATM virus safety for debit card holders.


Change your PIN frequently.
Try using an ATM that is run by your own bank. This helps in maintaining confidentiality and in case of any breach or dispute, it remains within the periphery of your own bank and no other lender or “entity” is involved.
If you don’t travel outside the country frequently, call your bank and instruct them to block usage of your card in overseas locations. When you travel, call your bank, ask them to unblock the card for temporary use.
If you use your debit card outside the country, change your PIN on your return.
Be careful when you are using your ATM. nobody should be present at the ATM kiosk while you are making the transaction.
Contact your bank immediately in case of any discrepancy, unusual transaction, or if your receive calls on “fictitious” transactions.
If using the ATM at night, take someone with you.
Keep your computer’s virus protection up to date. Use spyware and malware detection. Update your computer frequently with recommended security patches.


Do not set passwords comprising name of your spouse, children or parents. Also, never put your date of birth as the PIN.
Avoid opening mails seeking financial information.
Never share any information pertaining to your financial data or account on emails or text messages or even over the phone.
Do not give your card number or PIN to any vendor.
Do not allow a vendor to swipe your card if you are not present.
Put your ATM card and receipt away promptly; never leave your receipt at the ATM.
Shield the keypad when entering your PIN to keep it from being observed.
If the lights at the ATM are not working, don't use it.