ATM skimming is a quiet, global scam that shows up in tourist areas in India too. A device copies your card and a camera or fake keypad grabs your PIN, and you learn about it only when money disappears. A few simple habits at the machine cut the risk sharply.
How this scam works
A skimming device is fitted over or inside the card slot of an ATM, copying your card data as you insert it.
A tiny hidden camera or a fake keypad overlay records your PIN.
Standalone ATMs in tourist areas are targeted more often than machines inside bank branches.
Your card is cloned and used elsewhere, sometimes days later.
Red flags
- A loose, bulky, or oddly colored card slot or keypad.
- Standalone ATMs in quiet tourist spots rather than inside a bank.
- Anything that looks stuck on over the original hardware.
What to do
- Use ATMs attached to a bank branch during opening hours where possible.
- Gently tug the card slot to check for attachments, and cover the keypad with your hand as you enter your PIN.
- Turn on transaction alerts so you spot cloned card use fast, and tell your bank before you travel.
How to report this scam in India
For cyber or card fraud, report at cybercrime.gov.in or call 1930. See the travel scams guide for more.
Frequently asked questions
How do I avoid ATM skimming in India?
Prefer ATMs inside or attached to a bank branch, check the card slot and keypad for anything added on, cover the keypad as you type your PIN, and switch on transaction alerts.
My card was used after visiting an ATM. What do I do?
Contact your bank immediately to freeze the card and dispute the charges, and report the incident at cybercrime.gov.in and to the local police.
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