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

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“For security reasons, from an amount of 50 eurosyour personal code will be requested a second time to confirm your withdrawal request.

For several days now, these little signs have been popping up on ATMs (DAB) of Crédit Agricole. And users are surprised, especially on social networks.

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

Counter the increase in theft by trick or diversion

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

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

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It's the theft by trick which would therefore be particularly targeted by the bank with this system. According to the latest figures from the Ministry of the Interior cited by RTLWe count 650 thefts by trickery on average each month in France – almost one per hour.

Best practices when withdrawing money

The main victims? THE people aged over 75. The authorities (and banks) regularly 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 communicate your confidential code to anyone
  • Prefer the use of an internal distributor, as crooks rarely take the risk of installing their fraudulent devices within the bank.
  • Never allow yourself to 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 your payment card is swallowed without reason, object.

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

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

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

The scammers suggest that the card has been swallowed and wait for their victim to leave to recover it. They thus hold the card… and the code.

There is also the “cash trapping” scam. This technique involves trapping species. In this case, it is the ticket exit slot that is targeted by the scammers.

They insert a device holding banknotes. The victim, not obtaining their tickets, leaves and the crooks remove the device and… recover the tickets.

Or the distraction scam. When the victim has just dialed their code, a scammer attracts their attention by asking them a question or showing them something (a receipt, a plan, etc.).

On the other side, a second crook (his accomplice), steals the card and disappears. The first scammer then makes the customer believe that his card has been swallowed.

… or the emergency number sticker…

And finally – the list is not exhaustive – the scam of “card skimming” or “fake ATM”, still lists Crédit Mutuel on its site. “Skimming” is a device installed on the card entry slot which allows you to duplicate data of the magnetic stripe of the payment card.

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

In order to recover secret card codes, crooks also simply change the emergency number sticker displayed on the machine with one leading to the telephone number of an accomplice! The victim, believing he is speaking with an employee of the bank's assistance service, then unsuspectingly reveals the secret code of his bank card.

” A (true, Editor’s note.) bank advisor will never ask you for your access codes linked to your account. He does not have to know them,” the French Banking Federation regularly reminds us.

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