In recent years, crimes associated with card cloning and misconduct to bank accounts have increased in Portugal. Statistics show that thousands of people have already been victims of these schemes, raising concerns about the safety of the most commonly used means of payment daily. The truth is that small gestures are enough to reduce these risks, especially when using the ATM.
Numbers do not lie
According to the Republican National Guard, between 2020 and late 2024, were registered close to six thousand card cloning situations, according to Executive Digest. In total, 6,050 people had their bank accounts affected by this type of crime.
Much of these cases results from increasingly sophisticated methods used by burns to obtain card data and its codes.
One of the most common methods is the so -called “skimming” and consists of putting false devices on true readers. These devices capture data from the magnetic range of the card, while tiny cameras record the introduction of PIN. In this way, criminals get full access to the bank account without arousing suspicions.
Simple measures with real impact
Protecting bank details is the responsibility of each user. Despite safety systems applied by banks, there are individual behaviors that make a difference. For example, when using the ATM, it is advisable to cover the keyboard by hand when introducing the code, even if it seems to be alone. This discrete action prevents the PIN from being captured by hidden cameras, indicates the same source.
It is also recommended to use automated boxes located inside banks or shopping centers, as these locations have video surveillance, reducing the risk of fraud. On the other hand, multibans installed on the street or in little busy areas have greater vulnerability.
Attentive Look avoids DISSARMBOODS
Before introducing the card, it is worth observing the state of the terminal carefully. A misaligned reader, a higher than normal keyboard or a shake screen can be signs of tampering. In these situations, the best attitude is not to use the equipment and warn the bank or the competent authorities.
In most cases, the crime happens because the victim is distracted or in a hurry. Therefore, dedicating a few seconds to this verification can avoid serious problems, the same source says.
Monitor movements regularly
Another essential practice is to check the account movements frequently. When consulting the statement, it can quickly detect unauthorized operations. This control can be done through bank apps, which allow you to verify balances and movements in real time.
The sooner a fraudulent operation is identified, the easier it will be to solve the problem with the bank and recover any lost values.
Chip cards and contactless payments
Nowadays, almost all bank cards have chip, a safer technology than the traditional magnetic track. Nevertheless, it is still possible to copy data at adulterated terminals. Payment by approach, or contactless, is useful in places of trust, allowing purchases without inserting the PIN to a certain amount.
Still, according to the previously mentioned source, it is essential to remember that any form of payment requires attention. Avoiding distractions during operations and storing the card immediately after use are basic care.
Prevention: the best security
Bank card crimes have become more complex, but protective measures remain simple. Attention and care are the main defenses against cloning. Knowing where and how the card is used, keeping the code secret and distrusting changes in the equipment are gestures that prevent problems.
By adopting these habits, not only personal security is reinforced but also confidence in the entire banking system.
Other essential care
Not keeping the written PIN code, especially in the wallet, is a fundamental rule, but many still ignore. The code should be memorized and never shared, not even with close family members. Also, it is preferable to choose a number that is not obvious, such as birthday dates or simple sequences.
A also advises activating SMS or PUSH notifications for each transaction performed with the card. This functionality allows you to quickly identify any suspicious movement.
As a curiosity, did you know that the first Portuguese ATM was installed in Lisbon in 1985, revolutionizing payment habits? Another interesting curiosity is that Portugal has one of Europe’s most advanced multibanco network systems, offering more than 60 different operations besides surveys and payments.
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