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Fraud with debit cards

Fraudsters use different methods to gain access to your debit card and security details. This can happen via email, phone calls, at the door, or at an ATM. By understanding how these scams work, you can recognise them more easily and prevent fraud.

What fraudsters often do

Fraudsters
use various techniques to trick you into handing over your debit card or security codes. They may:

  • Contact you by email, letter or phone and ask you to send your debit card, for example because it is about to expire.
  • Call you while pretending to be a bank employee (safe account scam). They may even manipulate the phone number shown on your screen (spoofing) to make it look like the bank is calling.
  • Tell you there is an urgent problem, such as suspicious transactions on your account.
  • Ask you to transfer money to a so-called “safe account” or “secure account” (please note: these do not exist).
  • Ask you to share your PIN or other security codes.
  • Use personal information, such as your address or account details, to gain your trust.

Combinations of scams

Fraudsters often combine different scam techniques. For example, they may first call you pretending to be a bank employee. Instead of asking you to act immediately, they might say that a colleague will visit your home to resolve the issue. When this person arrives, they may:

  • Ask you to hand over your debit card
  • Ask for your PIN or other security codes
  • Ask you to log in to your online banking or banking app and transfer money

This can seem convincing, but it is a scam.

Fraud at ATMs

Be extra careful when withdrawing cash. Fraudsters may:

  • Install devices or small cameras on or near the card slot (skimming)
  • Distract you while you are withdrawing cash to see your PIN
  • Swap or steal your debit card

Tips to prevent debit card fraud

  1. Never send or hand over your debit card to anyone. We will never ask you to do this!
  2. Never share your security codes, such as your PIN or the 5-digit identification code for the ABN AMRO app.
  3. Do not transfer money to a “safe” or “secure” account. These do not exist.
  4. Do not use an ATM if it looks unusual, for example if you see a device attached to the card slot.
  5. Do not use an ATM if you feel unsafe. For instance, if someone is standing too close to you.
  6. Do not let anyone distract you when withdrawing cash.
  7. Do not accept help from strangers at an ATM. 
  8. If an ATM swallows your card, do not leave the machine. First, block your card via the ABN AMRO app or by calling us.

What we will never ask you

Always keep the following in mind. We will never ask you to:

  • Share your security codes, such as your PIN or app identification code.
  • Hand over your debit card, not even if we visit you at home.
  • Send your debit card by post.
  • Transfer money to another account to “keep it safe”.
  • Log in and transfer money while following our instructions.

If you are unsure, end the conversation and contact the bank yourself.

Is your debit card about to expire?

Well before your debit card expires, we will automatically send you a new card. You do not need to ask for a new card. 

If you have received and activated a new debit card, cut up your old debit card. Cut the chip into pieces as well. Your old card will then be unusable.

Think something is wrong with a Geldmaat ATM? Report it right away by calling 088 2274 100

Other forms of fraud