Before you withdraw money from the ATM, taking specific security measures can protect you from fraud and theft.
Every year, thousands of people fall victim to ATM-related crimes, from card skimming to physical theft. These incidents often happen because users skip basic safety checks before making their withdrawals.
Before inserting your card, check for suspicious devices, hidden cameras, or anyone acting strangely nearby. Always cover the keypad while entering your PIN, and don’t let distractions cause you to leave your card behind.
This guide will walk you through the essential steps to keep your money and personal information safe when using ATMs.
What Should You Do Before You Use an ATM?
Here are the key steps to take before using an ATM:
1. Check Your Account Balance
- Confirm you have enough funds to cover the withdrawal.
- Use mobile banking to review pending charges that might reduce your available balance.
2. Inspect the ATM
- Look for loose parts around the card slot
- Check if the keypad feels secure
- Verify that no unusual attachments exist on the machine e.g. camera, key loggers
- Compare the card reader to other nearby ATMs for consistency
3. Survey your surroundings
- Pick well-lit locations, especially at night
- Choose ATMs in visible, high-traffic areas
- Watch for people standing too close or acting suspicious
- Trust your instincts – if something feels wrong, leave
4. Have Your Card Ready
- Avoid fumbling through your wallet or bag at the machine.
- Keep your card in a secure but accessible place before reaching the ATM.
- Don’t take out your wallet until needed
- Have your PIN memorized
- Avoid writing your PIN on the card or keeping it in your wallet
5. Shield Your PIN Entry
- Use your hand to cover the keypad when entering your PIN.
- Don’t say your PIN out loud or write it down.
6. Keep Your Phone Away
- Avoid using your phone at the ATM, as it can distract you.
- Stay focused on completing your transaction quickly and safely.
7. Check Your Bank’s Security Alerts
- Enable SMS or email alerts to track ATM withdrawals.
- If you receive an alert for a transaction you didn’t make, report it immediately.
8. Know Your Transaction Limits
- Be aware of your daily cash withdrawal limit to avoid issues.
- If you need more cash, plan to use a branch or multiple transactions.
What is the Safest Way to Withdraw Money from ATM?
Follow these security practices for safe ATM withdrawals:
Use Secure Locations
Opt for ATMs inside banks, malls, or well-lit areas with surveillance cameras. Avoid isolated machines, especially at night.
Inspect the Machine
Check for loose parts, unusual attachments, or hidden cameras near the card slot or keypad. Skimming devices can steal card data.
Shield Your PIN
Cover the keypad with your hand while typing. Never share your PIN, even with bank staff
Withdraw During Daylight Hours
Daylight and crowded areas deter thieves. If using an ATM at night, bring a companion.
Stay Alert During the Transaction
- Keep your focus on the task
- Don’t use your phone
- Maintain awareness of people around you
- Complete your transaction quickly but carefully
Handle Cash Discreetly
- Put cash away immediately
- Don’t count money at the ATM
- Store cash in different pockets or locations
- Leave promptly after completing your transaction
Don’t accept help from strangers
- Scammers may try to trick you into handing over your card or PIN.
What Is the Etiquette for ATM Withdrawal?
Practice these courteous behaviors at ATMs:
1. Maintain Proper Distance
- Stand back from others using the ATM
- Give previous users time to complete their transactions
- Form an orderly line if multiple people are waiting
2. Be Time-Efficient
- Have your card ready
- Know what transaction you want to make
- Complete your business promptly
- Step aside for the next person
3. Respect Privacy
- Don’t peek at others’ screens
- Keep conversation minimal
- Turn away when others enter their PIN
- Wait your turn without crowding
4. Check your cash and receipt later
- Move away from the machine before counting your money.
How Do I Know If My ATM Is Safe to Withdraw Cash?
A safe ATM is well-maintained, monitored, and free from suspicious modifications.
Check these security features:
1. Physical Signs
- No loose or damaged parts
- Original manufacturer colors and logos
- Clean, professional appearance
- Working security cameras
2. Location Factors
- Bank-operated machines are safer than standalone ATMs
- Indoor locations provide additional security
- Areas with security personnel present
- Regular maintenance and monitoring
3. Technical Aspects
- The screen should be clear and readable
- Keypad numbers should be visible
- The card slot should not wiggle
- No unusual card resistance when inserting
| Indicator | Safe ATM | Risky ATM |
|---|---|---|
| Location | Inside banks, well-lit areas | Isolated, poorly lit spots |
| Card slot | Secure, flush with machine | Loose, bulky, or unusual parts |
| Keypad | Solid, normal feel | Raised or soft, looks fake |
| Camera | Official security cameras only | Hidden, unusual placements |
| Screen | Clear, no error message | Damaged, flickering, unreadable |
If anything looks off, use a different ATM.
FAQs
Conclusion
Taking precautions before withdrawing money from an ATM protects your financial security. By following these guidelines, you reduce your risk of becoming a victim of fraud or theft.
Remember to stay alert, check the machine’s condition, and handle your transactions efficiently. If you notice anything suspicious, use a different ATM and report concerns to your bank.
