How to Avoid ATM Fraud When Traveling Internationally

26 June 2025

Traveling internationally is an exciting experience—but let's be real, it can also be nerve-wracking, especially when it comes to handling money. While ATMs are super convenient, they can also be the perfect hunting ground for scammers looking to drain your bank account.

So, how do you keep your hard-earned cash safe from fraudsters while withdrawing money abroad? In this guide, I'll walk you through the best ways to avoid ATM fraud when traveling internationally.

Common Types of ATM Fraud Travelers Face

Before we dive into prevention tips, it's important to understand the types of ATM fraud that could leave you stranded with a drained account.

1. Skimming Devices

Ever swiped your card and thought, "That felt a little odd?" Skimming devices are tiny card readers placed over the real card slot to copy your card information. Scammers then use these details to create a clone of your card and withdraw money.

2. Card Trapping

Some fraudsters install devices that physically capture your card when inserted. You think the ATM swallowed it, but in reality, a criminal is waiting nearby to retrieve it after you leave.

3. Fake Keypads

Spoiler alert: That ATM keypad might not be real. Scammers sometimes place a fake keypad over the real one to capture your PIN when you type it in.

4. Camera-Based Fraud

Ever noticed a tiny hole near the ATM screen? Criminals may install hidden cameras to record your PIN as you enter it. This method is often used alongside skimming for a double attack on your bank account.

5. Cash Trapping

This trick involves placing a thin device over the cash dispenser, preventing your money from coming out. You think the ATM is broken and walk away—only for the scammer to retrieve the cash once you're gone.

How to Protect Yourself from ATM Fraud When Traveling

Now that you're aware of the common scams, let's talk about how to avoid them.

1. Use ATMs in Secure Locations

Not all ATMs are created equal. ATMs inside banks, airports, or shopping malls are generally safer than those on dimly lit streets. If possible, avoid standalone ATMs, especially in touristy areas—they're prime targets for fraudsters.

2. Inspect the ATM Before Use

If something looks off, trust your gut. Before inserting your card, inspect the machine:

- Pull on the card reader to check for loose parts.
- Wiggle the keypad—if it moves, don’t use it.
- Look for tiny cameras or mirrors that might record your PIN.

If the ATM seems tampered with, walk away and find another one.

3. Cover Your PIN While Entering It

This may sound basic, but it’s crucial. Always use your hand to shield the keypad while typing your PIN. Even if there's no visible camera, you never know who might be watching over your shoulder.

4. Enable SMS or Email Notifications

Want real-time alerts on your transactions? Enable SMS or email notifications for every ATM withdrawal. That way, if an unauthorized transaction occurs, you'll know instantly and can take action before things get worse.

5. Use Contactless Payments Whenever Possible

Carrying loads of cash isn’t ideal, and withdrawing frequently increases your risk. Instead:

- Use credit or debit cards with contactless payment features.
- Opt for mobile payment apps like Apple Pay or Google Pay where accepted.

The less you rely on ATMs, the lower your chances of falling victim to fraud.

6. Set a Daily Withdrawal Limit

Most banks allow you to set a daily withdrawal limit on your card. This can be a lifesaver—if fraudsters manage to access your account, they won’t be able to wipe out all your funds in one go.

7. Use ATMs During Bank Hours

If you ever encounter an issue (like your card getting stuck), it's best to be near a bank where you can get immediate help. Also, criminals are less likely to target ATMs that have bank employees around.

8. Choose Credit Cards Over Debit Cards

If possible, use a credit card rather than a debit card for withdrawals. Why?

- Credit cards often offer better fraud protection.
- If fraud occurs, it's the bank’s money at risk—not yours.
- You’ll have more time to dispute unauthorized transactions.

9. Avoid Using Your Primary Bank Card

Consider traveling with a secondary card that’s separate from your main bank account. This way, if fraud occurs, your primary funds remain untouched.

10. Beware of Helpful Strangers

If someone offers to "help" you at an ATM, be on high alert. Scammers often pretend to be Good Samaritans while actually trying to distract you or steal your card details. If you need assistance, ask a bank employee instead.

11. Monitor Your Bank Statements Regularly

Even if you think you've been careful, check your bank account often. Look for:

- Unauthorized transactions
- Unexpected withdrawals
- Small test charges (fraudsters sometimes test with small amounts before making big withdrawals)

If you spot anything suspicious, contact your bank immediately.

12. Use a VPN When Checking Your Bank Account Online

Logging into your online banking from a public Wi-Fi network? Bad idea. Always use a Virtual Private Network (VPN) to encrypt your connection and prevent hackers from stealing your login details.

13. Notify Your Bank Before Traveling

Before you hop on that plane, let your bank know where you're headed. This ensures they don’t flag your transactions as suspicious while also allowing them to monitor for any fraudulent activity.

14. Carry Emergency Cash

Even with all these precautions, things can still go wrong. Always keep a small stash of emergency cash in a separate, safe place. You never know when you might need it!

What to Do If You Fall Victim to ATM Fraud

Okay, worst-case scenario—it happens. You spot a fraudulent charge or suspect your card was compromised. What now?

1. Contact Your Bank: Report the issue immediately and request to block your card.
2. Dispute Transactions: If fraudulent withdrawals were made, file a dispute with your bank.
3. File a Police Report: Depending on the situation, it might be necessary to file a report, especially if your card was stolen.
4. Change Your PIN: If you suspect your PIN was compromised, update it as soon as possible.
5. Monitor Your Account Closely: Keep an eye on your transactions for any additional fraudulent activity.

Conclusion

ATMs can be a lifesaver when traveling—but they can also be a major risk if you're not careful. By staying alert, using secure ATMs, and taking a few precautionary steps, you can greatly reduce the chances of falling victim to fraud.

Remember, scammers are always evolving their tactics, so stay one step ahead. Trust your instincts—if something feels off, walk away. Safe travels and happy withdrawals!