Multibanco is part of the daily routine in Portugal. It is used to pay bills, withdraw money, make transfers and even charge cell phones. However, there is an often ignored risk: some machines can be tampered with by specialized fraud networks. One small detail can make the difference between keeping your account safe or losing money.
How schemes work
According to , based on warnings from authorities, the most common techniques include so-called skimming and physical changes to ATMs. The objective is simple: copy card data and register PIN codes.
Among the most used methods are fake readers, placed in the card slot, capable of copying magnetic information. These are joined by cameras disguised in frames or leaflet holders, positioned to capture the code entered by the user. In some cases, fake keyboards are even applied over the original, recording every movement.
The main warning sign is often in the appearance of the machine itself. If the card slot or keyboard feels different, loose, or protruding, the case may be compromised. A plastic frame that moves when touched or a keyboard that is higher than usual are signs of possible tampering.
More sophisticated techniques
In recent years, scams have become more difficult to detect. Europol warns against the use of “deep insert skimming” devices, placed inside the card slot and practically invisible. In these cases, the only clue may be greater difficulty inserting the card.
The same entity also refers to the use of devices with a Bluetooth connection, which allow data to be transmitted in real time to nearby accomplices. Another technique consists of the so-called “overlay”, in which a complete structure is placed on the machine, imitating the original appearance.
Cases in Portugal
Portuguese authorities reported occurrences in several areas of the country, including Lisbon, Porto and the Algarve. In many cases, victims only realize the fraud days later, when they see suspicious movements in their accounts.
These groups act quickly, installing devices for short periods and removing them before they are detected.
How to prevent
To reduce risk, recommendations include always observing the machine before using it. If the card entry or keyboard appears abnormal, it is best to opt for another ATM.
It is also recommended to cover the keyboard when entering the PIN, check that the card slot is secure and give preference to cashiers located in bank branches or busy places.
According to Banco do Portugal, activating movement alerts via SMS or app can help quickly identify unauthorized transactions.
The financial impact
Europol data indicates that skimming continues to generate hundreds of millions of euros per year in Europe. In Portugal, although the numbers are lower, cases have increased, often associated with international networks.
A seemingly insignificant detail can therefore be the first sign of danger. If the machine looks different than usual or the card doesn’t go in easily, the safest thing is not to take any chances.
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