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Using automated teller machines (ATMs) is fast and convenient, but users must remain vigilant to protect their card details and money from physical and digital tampering:

• Guard your PIN: Always cover the keypad with your hand while typing your 4-digit card PIN. Make sure no one stands close enough to look over your shoulder.
• Inspect the machine: Before inserting your debit card, check the card reader slot. If it looks loose, bulky, or contains sticky tape residue, it might house a **skimmer** device. If so, avoid using it and alert the bank.
• Count cash discretely: Once the machine dispenses your banknotes, count them immediately and pocket them. Do not count money out in the open on the street.
• Cardless Cash: Whenever possible, use cardless cash withdrawal options on your mobile banking app. This generates an instant, secure OTP to withdraw cash, preventing skimming threats entirely.