Card skimming, cloning and card-not-present fraud
Hidden devices at ATMs and shops copy your card. Learn how to spot them and control your card usage.
4 min read
What you need to know
Skimmers are thin devices fixed over ATM slots or handheld card readers, often paired with a hidden camera or fake keypad to capture your PIN. The data is used to create cloned cards or for online purchases.
International websites that do not require OTP are a common route for card-not-present fraud. RBI rules let you switch international, online and contactless usage on or off and set limits in your bank app.
Cover the keypad when entering the PIN, avoid handing your card out of sight, and keep international and online usage disabled until you need it.
If you have lost money, call the National Cyber Crime Helpline 1930 immediately and file a complaint at cybercrime.gov.in. Inform your bank at once: under RBI's customer-liability rules, reporting an unauthorised electronic transaction within three working days generally limits your liability to zero when the fault lies with a third party. In Mumbai, Thane and Navi Mumbai you can also visit the nearest police station or cyber police cell with your bank statement and screenshots.
Continue your research
Use this guide alongside our product details and eligibility criteria before choosing a lender.
Key points and practical checks
- Inspect ATM slots for loose or bulky attachments
- Shield your PIN with your hand
- Turn off international and online usage when not needed
- Enable instant transaction alerts
Frequently asked questions
What is the main takeaway from “Card skimming, cloning and card-not-present fraud”?
Hidden devices at ATMs and shops copy your card. Learn how to spot them and control your card usage.
What should I check before acting on this banking & finance fraud guide?
Start with these checks: Inspect ATM slots for loose or bulky attachments; Shield your PIN with your hand; Turn off international and online usage when not needed. Your final eligibility, pricing and approval still depend on the lender’s assessment.
Can the information in this guide guarantee loan approval?
No. It is general educational information. A bank or NBFC makes the final decision after checking your credit profile, repayment capacity, documents and the applicable product policy.
How can iFINTRUST help after I read this guide?
An iFINTRUST advisor can review your requirement, explain the documents normally requested and help you compare suitable lending options before you apply.