How to Avoid ATM Scams in Bali: A Guide for Travelers

Travelers to Bali should be mindful of various fraudulent activities and potential threats on the island. One prevalent and financially draining scheme is the ATM scam, in which criminals employ diverse tactics to obtain access to unsuspecting tourists’ cards and funds. This piece aims to educate readers about the functioning of ATM scams in Bali, warning signs to watch out for, and preventive measures to avoid falling prey to such schemes.

How ATM Scams in Bali Work

There are two main types of ATM scams in Bali: card skimming and card trapping. Both involve tampering with the ATM machine to either copy or capture your card data.

Card Skimming

Card skimming is a technique where a device is attached to the card slot of the ATM machine that reads and stores your card information when you insert it. The device is usually very small and discreet, so you may not notice it unless you look closely. Sometimes, the scammers also install a hidden camera or a fake keypad on the ATM machine to record your PIN number when you enter it. With your card information and PIN number, the scammers can then clone your card and use it to withdraw money from your account or make purchases online.

Card Trapping

Card trapping is a technique where a device is inserted into the card slot of the ATM machine that prevents your card from being ejected after your transaction. The device may look like a thin metal strip or a plastic sleeve that catches your card inside the slot. When you try to retrieve your card, the machine will display an error message or appear to be out of order. You may then go inside the nearby store or call the number on the machine to report the problem. While you are distracted, the scammers will come and remove your card from the slot using a tool or a magnet. They may also watch you enter your PIN number from a distance or ask you to enter it again on a fake keypad. They will then use your card and PIN number to withdraw money from your account or make purchases online.

What Signs to Look Out for

To avoid falling victim to ATM scams in Bali, you should always be vigilant and cautious when using an ATM machine. Here are some signs to look out for:

• Check the ATM machine for any signs of tampering or damage. Look for any loose wires, stickers, glue marks, scratches, or holes on the machine. Pay attention to the card slot, the keypad, the screen, and the camera.
• Check if there is anything attached to the card slot that looks suspicious or different from other machines. If you see anything that looks like a reader, a scanner, a slot cover, or a metal strip, do not use the machine.
• Check if there is anything covering or blocking the view of the camera or the keypad. If you see anything that looks like a mirror, a plastic sheet, a sticker, or a keypad overlay, do not use the machine.
• Check if there is anything unusual about the screen or the messages displayed on it. If you see anything that looks like an error message, a request for personal information, or an offer for a bonus or reward, do not use the machine.
• Check if there is anyone around you who looks suspicious or tries to distract you while you are using the machine. If you see anyone who looks like they are watching you, approaching you, talking to you, or offering you help, do not use the machine.

How to Protect Yourself from ATM Scams in Bali

To protect yourself from ATM scams in Bali, you should follow these tips:

• Use reputable and reliable ATM machines that belong to well-known banks or companies. Avoid using machines that are located in isolated areas, outside stores, or near tourist attractions.
• Use ATM machines that have security guards or cameras nearby. Avoid using machines that are unattended or have no signs of surveillance.
• Use ATM machines that have clear instructions and information in English or your preferred language. Avoid using machines that have unclear or confusing messages or instructions.
• Cover your hand when entering your PIN number on the keypad. Avoid using machines that have keypads that look different from normal ones.
• Do not accept help from strangers when using an ATM machine. If you encounter any problem with the machine, contact your bank or card issuer immediately.
• Do not leave your card unattended in the slot or walk away from the machine before completing your transaction. If your card is stuck or swallowed by the machine, do not enter your PIN number again or give it to anyone else.
• Monitor your bank account and card statements regularly for any unauthorized transactions or charges. If you notice any suspicious activity on your account or card, report it to your bank or card issuer as soon as possible.

ATM scams in Bali are a serious threat to travelers who need to access their money while on vacation. By being aware of how these scams work, what signs to look out for, and how to protect yourself, you can avoid becoming a victim and enjoy your trip to Bali without any worries.