ATMs: why do you now have to enter your code twice at certain banks?

see my news

“For security reasons, from a quantity of €50You will be asked for your personal code a second time to confirm your withdrawal request.

For several days now, these small signs have been appearing on ATMs (DAB) from Crédit Agricole. And users are surprised, especially on social networks.

When withdrawing money from the ATM, you will now be asked to enter your four-digit secret code a second time. a novelty for improve securityindicates the bank that has 7,000 branches and nearly 12,000 vending machines in France.

Countering the rise in theft through tricks or diversions

Sure your account (formerly Twitter), Crédit Agricole explains to its clients (and others), many of whom are skeptical of this novelty, that it is a “face to face” parade. the increase in theft by deception or diversion with certain distributors, most of the time to the detriment of vulnerable people.”

And it specifies that this “prevention” measure punctual “ does not concern all distributors and that “the application methods, in particular the activation threshold (the amount above which this double authentication is necessary), are in the hands of the banks.”

Videos: currently on Actu

Is he robbery by trick which, therefore, would be the bank’s main objective with this system. According to the latest figures from the Ministry of the Interior cited by RTLWe count 650 thefts by deception on average every month in France, almost one per hour.

Best practices when withdrawing money

The main victims? HE people over 75 years old. The authorities (and banks) periodically remind you of some good practices when you go to an ATM:

  • Enter your confidential code out of sight by hiding it with your hand
  • Never share your confidential code with anyone
  • It prefers to use an internal distributor, as criminals rarely risk installing their fraudulent devices inside the bank.
  • Never be distracted by a third party while making a withdrawal
  • If you can, withdraw money preferably during the week, when you can easily get help from the bank.

And if swallows your payment card without reason, object.

“Collet marseillais”, “card skimming”, “distraction” scam…

Because ATM scams are numerous. There is “Marseille collar” or “card cheating” which consists of recovering the victim’s payment card with the confidential code.

Scammers insert an object into the dispenser slot to block the card of his victim. To recover the card and its code, they may, for example, offer help to their victim and ask them to re-enter their code.

Scammers suggest the card has been swallowed and wait for their victim to leave to retrieve it. So they have the card… and the code..

There’s also The “Cash Trap” Scam. This technique consists of trapping species. In this case, it is the ticket exit slot that is the target of the scammers.

they insert a device that contains banknotes. The victim, not obtaining the tickets from her, leaves and the criminals remove the device and… recover the tickets.

EITHER the distraction scam. When the victim finishes dialing her code, a scammer gets her attention by asking her a question or showing her something (a receipt, a map, etc.).

On the other side, a second criminal (his accomplice), steal the card and disappear. The first scammer makes the customer believe that their card has been swallowed.

…or the emergency number sticker…

And finally – the list is not exhaustive – the scam of “card theft” or “fake ATM”, still includes Crédit Mutuel on its site. “Skimming” is a device installed in the card input slot that allows you duplicate data of the magnetic stripe of the payment card.

At the same time, a micro camera or a fake keyboard. save your confidential code. The victim does not realize anything. The bank details are then used for withdrawals abroad…

To recover the secret codes from the cards, criminals also simply change the emergency number label displayed on the machine to one that leads to an accomplice’s phone number. The victim, believing he is speaking to an employee of the bank’s help desk, unsuspectingly reveals the secret code of her bank card.

” TO (true, editor’s note.) The bank advisor will never ask you for your access codes linked to your account. You don’t have to know them,” the French Banking Federation periodically reminds us.

Follow all the news from your favorite cities and media by subscribing to Mon Actu.

Leave a Comment