You must lodge a complaint/report the theft immediately at the nearest SBI home branch. Do keep in mind that the bank will only refund you the money after it is established that you were indeed a victim of skimming.
When visiting an ATM, check these parts for:
First and foremost, contact your bank and block your debit card immediately. File a First Information Report (FIR) – once you have blocked your card, lodge an FIR at the nearest police station. This is an important step that must not be missed.
ATM fraud is described as a fraudulent activity where the criminal uses the ATM card of another person to withdraw money instantly from that account. This is done by using the PIN. The other type of ATM fraud is stealing from the machine in the ATM by breaking in.
Without your personal identification number, or PIN, debit card transactions shouldn't receive approval. ... Criminals can obtain the PIN when hacking into a merchant's site. Once they get your information, they can create phony cards and use them at ATMs.
ATM skimming is like identity theft for debit cards: Thieves use hidden electronics to steal the personal information stored on your card and record your PIN number to access all that hard-earned cash in your account. ... However, to gain full access to your bank account on an ATM, the thieves still need your PIN number.
With a reliable ATM camera in place – and the right kind of video analytics – banks can very quickly detect suspicious behavior around their ATMs, such as someone lingering at the machine but not making a transaction, which could be a sign that someone is installing a skimming device.
You can rest assured knowing that anyone who can process a debit card charge must have a merchant account, which is linked to personally identifiable information about the account holder. Banks make it fairly easy to find out exactly who charged your debit card.
Chip cards can be skimmed because of the magnetic strip that still exists on these cards. Skimming is a common scam in which fraudsters attach a tiny device, or “skimmer,” to a card reader. ... Information on a chip card's embedded microchip is not compromised. Magnetic strip cards are inherently vulnerable to fraud.
Ken Colburn, with Data Doctors, said there are at least two smartphone apps specifically designed to detect credit card skimming devices. ... The free app for iPhones is called the Skimmer Locator, and the Android app is the Skim Plus.
This new app, dubbed Bluetana, developed by researchers at the University of California, San Diego and the University of Illinois Urbana-Champaign, can detect Bluetooth-enabled skimmers without having to dismantle vulnerable gas pumps.
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