The ATM is one of the most convenient ways of banking made available to bank customers by the banks. This innovative service mechanism provides bank customers with the ability to conduct their banking 24 hours a day at any ATM nationally.

Since the launch of the first two ATMs in South Africa in 1977, ATMs have become a more common and permanent feature of our everyday banking. The banks and independent ATM services providers are increasingly rolling-out ATMs throughout the country to broaden the access to banking services to all citizens.

However, the increased usage of ATMs has also resulted in criminals devising various scams such as card skimming; swapping of cards; ATM shoulder surfing and the trapping of cards inside ATMs (with the ‘Lebanese’ loop).


  • If you think the ATM is faulty cancel the transaction IMMEDIATELY, report the fault to your Bank and transact at another ATM.
  • Have your card ready in your hand before you approach the ATM to avoid opening your purse, bag or wallet while in the queue.
  • Be cautious of strangers offering to help as they could be trying to distract you in order to get your card or PIN.
  • Follow the instructions on the ATM screen carefully.
  • Report suspicious items or people around ATMs to the Bank.
  • Choose familiar and well-lit ATMs where you are visible and safe. Report any concerns regarding the ATM to the Bank. Toll free numbers are displayed on all ATMs.
  • Be alert to your surroundings. Do not use the ATM if there are loiterers or suspicious people in the vicinity. Also take note that fraudsters are often well dressed, well spoken and respectable looking individuals.
  • If you are disturbed or interfered with, whilst transacting at the ATM, your card may be skimmed, by being removed and replaced back into the ATM without your knowledge. Cancel the transaction immediately and report the incident using your Bank's Stop Card Toll free number which is displayed on all ATMs, as well as on the back of your Bank card.
  • Should you have been disturbed whilst transacting, immediately change your PIN or stop the card, to protect yourself from any illegal transactions occurring on your account.
  • Know what your ATM looks like so that you are able to identify any foreign objects attached to it.
  • After successfully transacting at the ATM, leave immediately. Be cautious of strangers requesting you to return to the ATM to finalise the transaction because they are unable to transact as skimming may occur during


  • Do not ask anyone to assist you at the ATM, not even the security guarding the ATM or a Bank official. Rather go inside the Bank for help.
  • Never force your card into the slot as it might have been tampered with.
  • Do not insert your card if the screen layout is not familiar to you and looks like the machine has been tampered with.
  • Don’t use ATM's where the card slot, keypad or screen has been tampered with. It could be an attempt to get hold of your card.
  • If your card is swallowed by the ATM, do not leave the ATM before you have cancelled the card


  • Your PIN is your personal key to secure banking and it is crucial to keep it confidential.
  • Memorise your PIN, never write it down or share it with anyone, not even with your family member or a Bank official.
  • Choose a PIN that will not be easily guessed. Do not use your date of birth as a PIN.
  • Memorise your PIN, never write it down or share it, and key it in personally in such a way that no one else can see it e.g. cover your PIN when punching the numbers even when alone at the ATM as some criminals may place secret cameras to observe your PIN.
  • Don't let anyone stand too close to you in order to keep both your card and PIN safe.


  • Some fraudsters wait until you’ve drawn your cash to take advantage. Be wary of people loitering around the ATM and ensure that you are not followed.
  • Take your time to complete your transaction and secure your card and your cash in your wallet, handbag or pocket before leaving the ATM.
  • Set a daily withdrawal limit that suits your needs (the default amount is set at R1000.00), to protect yourself in an event that your card and PIN are compromised.
  • Check your balance regularly and report discrepancies to your Bank IMMEDIATELY.
  • Avoid withdrawing cash to pay for goods/services as your Debit Card can be used for these transactions. You are able to use your Debit Card wherever the Maestro/Visa Electron logo is displayed.
  • After you have completed your transaction successfully, leave the ATM area immediately. Be cautious of strangers requesting you to return to the ATM to finalise/close the transaction because they are unable to transact. Skimming may occur during this request.


ABSA: 0800 111 155

AFRICAN BANK: 0861 000 555

ALBARAKA BANK: 0860 225 786

BANK OF ATHENS: 011 833 2117

BIDVEST BANK: 0860 111 177

CAPITEC BANK: 0860 102 043

CITI BANK: 1 800 950 5114

FNB: 0800 110 132

INVESTEC BANK: 011 286 9663

MERCANTILE BANK: 0860 119 925

NEDBANK: 0800 110 929

STANDARD BANK: 0800 020 600

SASFIN: 080 23 23 23 6

SA POST OFFICE (POST BANK): 0800 535 455

VISA: 0800 990 475

VISA (OUTSIDE SA): + 1 303 967 1096