Tuesday, April 11, 2017

How To Avoid ATM Fraud While Traveling in the Bali Island.
Author, Ekarini

For more info about Bali: Bali Travel Info

I was born in Bali, and I always think Bali is a safe place!  ( At least 10 years ago).  After several years, Bali is not inhabited only by Balinese people. Bali has now become a hot destination for tourists from all over the world. At the same time Bali has also become a hot destination for those criminals from outside Bali. ATM is a hot spot beside pickpocket.

My family and I use an ATM machine regularly… We never have any problem until the incident on February 2017.  Normally, we only used the visa ATM machine installed by BCA bank, which is we never have problems. On this February, we used an ATM machine anywhere, including tourist hot spot and grocery stores all over Bali island.
So, We lost our money by using the card in front of one of the grocery stores in Sanur.  We lost about $200 total.  There is no one can solve the problem.  This incident does intrigue me share with others, and I hope this incident has never happened to others.  
 We thought getting money out of the ATM is a better deal than going to a money changer.  The rate exchange money changer to another is always different. 

Photos were taken In Bali island

What’s the “bad guys” want when it comes to ATM fraud.  They want  two things:
1.     They want your card number
2.     They want your PIN number

How does the bad guy steal your card information:
Please read here a link to a story on trustfoundry.net about ATM skimmers. These are basically devices which record your card information by installing an external device on the ATM machine. In order for someone to take advantage of your ATM card in a useful way, they need both the card number, as well as the PIN.

According to the article I read, this is often done using two devices:
  • A skimmer in the card slot, which records your card information
But they also need your PIN, so there’s typically either a hidden camera (which records you type-in the code) or a PIN pad overlay (basically a pad which is placed on top of the normal PIN pad, so that both pads can record

So, how to protect yourself while traveling to the island?
·         Give the card reader, the keypad, and the privacy shield which covers the keypad a good yank — skimmers typically snap into place or are attached with adhesive, so you should be able to easily tell if something isn’t right
·         Make sure the card goes on smooth — if you enter the card into the slot and it doesn’t go on smoothly, something isn’t right, and an external device may be installed

·         Cover your PIN with your hand — this is in case there are any cameras installed, though it’s not a sure bet, since there could be a PIN pad overlay, or the camera could be installed just inches from the keypad

·         It is best recommended to use only ATM machine inside of the bank building (BCA, Bank Mandiri, Citibank, BNI, BRI,.. Etc..) when the business hour.

“An ATM in Bali, where the PIN cover snaps right off. As it turned out, it had a camera installed, so that they could watch you enter your PIN closely, in addition to the card skimmer. He then reverses engineered the skimmer.”
The conclusion:
The ATM machine fraud could happen anywhere, so I am not scared to travel.  The only thing I need to learn more and be cautious for the future transactions.
Watch this video:

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