During hard times, we will expect rise in different types of fraud and crime incidences inside or outside business establishments. To guide readers how to be knowledgeable of these to be extra careful, vigilant and to take immediate remedial action in case of any encounter, below are some tips.

 1. Cash-trapping works by the Ruler Gang

The Ruler Gang uses a device that looks like a ruler to trap cash in ATMs. A member of the group will install a “false ATM presenter” or a fabricated ruler device into the cash shutter of the ATM. A customer who will withdraw amount to said ATM will not notice the device and when he tries to get the money withdrawn, he will have a hard time since the cash will be trapped inside. When the disappointed customer leaves the ATM to ask for assistance, a member of the Ruler Gang will thereafter remove the device including the cash still glued on it.

 2. Salisi Gang

A customer who is about to withdraw the cash dispensed by the ATM will be distracted by a member of the Salisi Gang by dropping several loose coins and bills. The distractor will ask the help of the customer to pick up dropped items. Once the cardholder is busy assisting, another member of the gang will immediately get the cash waiting at the cash out shutter and leave immediately.

Another version of this is, one member of the gang will replace the ATM card being used by the withdrawer in a matter of split seconds. Someone who is “shoulder surfing” or looking over the shoulder of the cardholder to see the PIN, will tell the said PIN number to another member who stole the original card and both will withdraw the remaining balance before the card is reported lost or stolen by the cardholder.

3. Forced Withdrawal and Hold Ups

This is when the cardholder is coerced to make ATM transactions against his or her will.

4. Fake PIN Pad Overlay

This is a fabricated device that looks exactly the machine’s keypad, it is placed beside it to capture the PIN of the cardholder.

5. Card skimmers

Card skimmers use a card reader that can capture the data in the magnetic strip of the card. This is usually used in credit cards but cardholders must still be aware that is can also be used for ATM cards.


Prepare your card. Do not look for it while you are in a public place. Before approaching the ATM, have your card ready to avoid exposure to other people of your valuable items especially inside your bag.

1.   Observe your surrounding. Stay alert. Once you enter the ATM room, lock it for your safety. Follow your intuition. You can leave the room anytime once you feel unsafe inside.

2.   Cover with your hand the ATM keypad while you were entering your PIN and amount.

3.   Report immediately if the ATM does not work. Cancel your transaction and call the attention of the nearest stand by guard for assistance.

4.   Avoid asking the help of the strangers especially suspicious looking individuals.

5.   Be on guard for look-outs or followers after you have done your transaction. If there is any, go to the nearest police station and report the incidence.

6.   Report to the security department of the bank any experienced ATM fraud or crime. This will help them develop or improve existing security programs.

 The best crime prevention starts with awareness and staying vigilant at all times.

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