How to spot an ATM skimmer & teach your kids to do the same

ATM skimmers are sneaky devices designed to steal your card details while you withdraw money, check your balance, and perform other everyday ATM transactions. While adults are often the target, kids and teens learning to manage money also need protection, especially if they’re using a debit card for the first time.

In this guide, we’ll show you how to spot ATM skimmers, protect your personal information, and help your kids stay safe while using ATMs.

What is an ATM skimmer?

ATM skimming is a form of fraud where a small, hidden device is attached to an ATM or card reader to capture your card information. These devices can include:

• Card readers that overlay the ATM's original card slot

• Pinhole cameras hidden near the keypad to capture your PIN

• Fake keypads placed over the real one to log keystrokes

Skimming devices are typically installed by scammers who may pose as maintenance workers or wait until the area is empty to attach the gear quickly. The goal? Steal your card data and PIN, then clone the card for unauthorized purchases or ATM withdrawals.

Criminals may return later to retrieve the skimming device or use wireless technology to access the stolen data remotely. Some even pair skimming with "shimming," a method used on chip-enabled cards.

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Signs of a skimming device

Some skimmers are difficult to detect, but a careful examination can help you identify irregularities that may raise a red flag. Before using an ATM or card reader, check for:

1. Loose or misaligned card slots

Skimmers often overlay the existing card slot, making them slightly bulkier. If the card slot wiggles, sticks out more than usual, or looks different from other ATMs you've used, that’s a red flag.

2. Raised or fake keypads

A keypad that feels thick, spongy, or unresponsive could be a fake keypad overlay. Press a few buttons lightly. If they feel unusual or make no sound, don’t proceed.

3. Hidden cameras

Look for tiny pinholes or unfamiliar attachments near the keypad or display, especially items that resemble brochure holders, light bars, or signage. These could house a camera that’s designed to capture your PIN. 

4. Odd materials or colors

A section of the machine that’s a slightly different color, texture, or shape may be suspicious. Watch for glue residue, tape, or visible seams that look out of place.

5. Difficulty inserting or removing your card

If your card doesn't glide in smoothly or feels stuck on the way out, a skimmer may be blocking part of the slot.

6. Unusual prompts or screen errors

Some skimmers pair with software manipulation. If the ATM behaves strangely, such as asking you to swipe your card multiple times or displaying odd messages, stop the transaction immediately.

What to do if your card is skimmed

If you suspect ATM skimming:

• Report it immediately to your bank or card provider

• Lock the card in your app if that option is available

• File a police report if there’s significant loss or ongoing fraud

• Monitor for further activity, even after replacement

How to stay safe at ATMs

In addition to keeping an eye out for skimmers at ATMs, you should keep these things in mind for overall safety:

Use ATMs in well-lit, public locations

Avoid freestanding ATMs in isolated spots. Instead, opt for machines inside bank branches or near busy storefronts.

Cover your PIN every time

Even if no one is around, use your hand or body to shield the keypad while you enter your PIN. Cameras can be discreet.

Limit your time at the machine

Have your card ready and avoid distractions while using the ATM. If something feels off, trust your gut and walk away.

Review your transaction history

Set up notifications or check your balance often to catch unusual activity.

Teaching kids and teens ATM safety

Even if they’re only using card readers at school vending machines or gas stations, kids and teens should know basic safety tips. Here’s what you can teach them:

• Use machines during the day or in busy areas.

• Check for anything that looks off, like a wobbly slot, unusual lights, or unfamiliar parts.

• Don’t share PINs, even with friends.

• Ask for help if something doesn’t feel right.

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This blog post is provided "as is" and should not be relied upon as a substitute for professional advice. Some content in this post may have been created using artificial intelligence; however, every blog post is reviewed by at least two human editors.

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