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Spotting ATM fraud: card trapping, skimming, and how to stay safe

Published on 11 May 2025

As part of the ABBL’s commitment to protecting customers from financial crime, Ananda Kautz, Member of the Management Board and Head of Innovation, Payments and Sustainability, joined Radio 100,7 last week to raise awareness about rising threats around cash machines – with a focus on card trapping and what users should do if targeted. During the interview, Ananda also highlighted the importance of the 491010 national hotline, available 24/7 to support victims of card and online fraud. She confirmed the ABBL’s readiness to return to the airwaves in June, as part of the upcoming nationwide fraud awareness campaign. Missed the interview?Listen again here (in Luxembourgish)

Summary

    What is card trapping?

    In this type of scam, a fake device is inserted into the ATM’s card slot to physically trap the user’s card. Criminals often combine this with hidden cameras or fake stickers prompting victims to re-enter their PIN. Once the user leaves, the fraudster recovers the card and uses it immediately.

    What about card skimming?

    Skimming refers to copying the card’s data using a magnetic reader placed over the ATM’s slot, often combined with a fake keypad or camera to capture the PIN. The data is then used to clone the card or make online transactions.

    Key behaviours to reduce the risk

    • Use indoor ATMs or those in busy, well-lit areas
    • Inspect the card slot for irregularities or loose parts
    • Cover the keypad with your hand when entering your PIN
    • Check your account statements regularly to spot fraud early

    What to do if your card is blocked

    • Do not re-enter your PIN – ignore any messages stuck to the machine
    • Block your card immediately:
      • Via your bank’s app or online banking
      • By calling your bank’s Help Desk
      • By calling 491010 – available 24/7
    • Report the incident to the Police

    What the ABBL and its members are doing

    • Extending the scope of the 491010 hotline to include LuxTrust certificate blocking
    • Migrating users from LuxTrust Token to LuxTrust Mobile, a more secure solution
    • Preparing the rollout of beneficiary verification for instant payments
    • Launching a national working group on online fraud
    • Planning a nationwide awareness campaign for June 2025

    Fraud is evolving fast, but so is our response. Staying alert and informed remains your best protection.