Although ATMs are convenient and allow fast cash withdrawals, the frequency of ATM fraud has increased. There are different types of ATM fraud, including:
Card Skimming, where criminals install devices on ATMs to obtain the card details and the PIN.
Shoulder Surfing, that involves peeking over your shoulder and recording your PIN as you key it in.
Operational Cash Departments, where criminals approach tourists and direct them to local merchants to use their point of sale device to issue cash. The merchant then skims the card details and uses a fake PIN entry device to obtain the cardholder's PIN. This information is then used to make unlawful cash withdrawals with counterfeit cards.