A new way to steal money from ATMs. How ATMs are robbed: tricks, viruses and physical strength. This is how it all might look, and what you should be alerted to.
If you think that covering the PIN code with your hand from the people standing behind you in line is enough, then you are mistaken. V modern world this is not enough.
The ways scammers steal your money are coming up with new ones every day. Here are the main ones for today.
1. POCKET THEFT
An intruder peeps at your pin code while you withdraw money from an ATM, then your card is stolen from you in the crowd.
Counteraction: do not allow anyone to stand close behind your back, cover the pin code with your palm and body from everyone when you are typing.
2. MONEY TRAPS AND CARDS
An overlay on the ATM is used, which holds the bills or part of the bills when dispensing. Or it blocks the issuance of all money.
You think the ATM is broken, get angry and leave.
Attackers immediately after you leave remove the cover from the device and take your money.
Countermeasure: always count the money received from the ATM. If there is a shortage, call the bank employees without leaving the ATM.
Money can also disappear when depositing, watch the amount on the screen.
You will see below how to check the ATM for overlays.
Here's the simplest money blocker trap. The ATM simply “won't give out” the money.
The same can happen with the card. Do not leave the ATM, if he "chewed" on it, until the bank employee arrives. Examine the card receptacle. Fraudsters can grab your card, wait for you to leave, and then take the card.
This is what a card trap looks like. 
3. SKIMMER CARD AND VIDEO CAMERA
Attached to the card reader is a device that copies data from your card. The pin code is recorded on the video. After some time, the scammers make a complete duplicate of your card.
Sometimes they put a fake keyboard right on the ATM that remembers your code.
All devices, all ATM covers will be easily removable. Therefore, do not hesitate to tweak once again for all the places where spyware may be. If you have the slightest suspicion, look for another ATM. HERE IS HOW IT ALL LOOKS AND WHAT YOU SHOULD BE WAITING FOR: The overlay is on top, the normal keyboard is on the bottom. The headphone jack is recessed due to the thickness of the cover. 
Camcorder in a box with brochures. 
Sticker above the panel. 
Cracks on the ATM above the slots for accepting banknotes or cards. 
Fake keyboard and skimmer. 
A skimmer on top and a normal card receiving window on the bottom. 
Spy "fence" of the keyboard. 
Fake keyboard on top: The color of the button is incorrect. 
Cover plate for keyboard and skimmers. 
Skimmer and video camera glued to the screen frame. 
Skimmer and panel with video camera. 
SUMMARY: FEEL FREE TO VIEW AND TAKE EVERYTHING.
If something looks suspicious, trust your suspicion. Finding the cover on the ATM, call the police.
Indeed, ATMs have consistently attracted the attention of financial fraudsters. Usually, to steal funds, attackers use traditional methods - they open the device or take the cash along with the "packaging", taking the device away from the bank branch. But the most inventive ones come up with very unusual methods.
ON THIS TOPIC
banknote mosaic
In the Astrakhan region, criminals stole four million rubles by cutting and gluing banknotes. For their machinations, they used six five-thousandth bills and one thousandth. Each of them was cut into six pieces and glued together. As a result, one improved banknote with a denomination of five thousand rubles was obtained, one sixth of which consisted of a thousandth.
The remaining pieces of five thousandth bills were combined and turned into an "extra" banknote. The updated, but insolvent money was credited to the cards through ATMs. By cashing out the funds, the criminals were able to make the money cycle again.
With improvised means
In Saratov, a resourceful schemer cheated payment terminal using an ordinary strong thread. Having attached the thread to the five-thousandth bill, he repeatedly lowered it to be credited to the account, and then pulled it back out. Before the arrest, the offender managed to steal 200 thousand rubles.
In Moscow, attackers tried to steal money by pumping gas into an ATM from a cylinder for portable gas stoves. They glued an electric motor from a Chinese toy to the cash dispenser and pressed a button on the remote control. The explosion damaged not only the ATM, but also the lobby of the bank branch. And the unlucky criminals were forced to retire empty-handed.
Creativity
Another unusual method of theft was invented by three malefactors from Udmurtia. They installed fake ATMs of a non-existent bank in Moscow, the Moscow region and Sochi. Gullible citizens tried to use the apparatus to commit monetary transactions... As a result, the scammers managed to find out the passwords of more than a thousand bank cards.
In Ufa, hackers penetrated the computer system of an ATM, cracked the service code and "set" the dollar exchange rate at 1.5 thousand rubles. As a result, they managed to exchange 800 dollars for 1.2 million rubles. Within a month, one of the hackers was arrested.
money just sticks
In the Ukrainian Dnieper, resourceful thieves stole more than 40 thousand hryvnias from ATMs using adhesive tape. The criminals installed a special overlay on the device - a plastic panel identical in color to the one intended for issuing money. Sticky tape was glued to its back, which held up the bills during the dispensing of the machine.
The panel was attached in such a way that the money got stuck when exiting through the ATM bill validator. The device turned out to be blocked, information about an error was displayed on the screen. The client, taking the card, went in search of another ATM. And resourceful thieves removed the pseudo-panel along with the adhesive tape and took the money attached to it.
Frenzied ATMs
Kaspersky Lab specialists managed to uncover yet another scheme of theft of funds from banks.Representatives financial institutions have repeatedly complained aboutthat ATMs spontaneously dispensed funds to people who did not perform any action with them.As a result of the check, it turned out that no malware was installed on the devices themselves. However, such a program was found on a computer that was part of a single network with ATMs.
Thus, hackers gained access to the PCs of bank employees. Then they used legal methods of withdrawing funds: transferring money using SWIFT systems or cashed out through ATMs.
The criminals have not yet been caught. Meanwhile, the victims of their illegal actions were 30 financial institutions, most of which are located in Russia, the USA, Germany, China and Ukraine. Individual thefts reached $ 10 million, and the total financial losses of all affected banks have already approached a billion dollars, reports.
Meanwhile, Sberbank told about the emergence in Russia of a relatively new method of stealing money from ATMs. It has been reported that this drilled box theft can only be used on certain types of devices.
First, the criminals drill a small hole in the ATM case, and then connect a special bus to it and use it to pump money out of the device. Like Days.Ru, fraudulent scheme disclosed about five months ago. However, the ATM maker has not yet responded to the problem.
Let us remind you that the theft of funds on the territory of Russia is a criminal offense. Depending on its severity, the Criminal Code provides for punishment under Article 159 in the form of fines ranging from 80 to 200 thousand rubles, forced labor for up to two years, or imprisonment from one to six years.
In this review, PaySpace Magazine will talk about how ATMs are robbed and what tricks are most often used by criminals.
How ATMs are robbed Photo: businessinsider.com.au
There are many ways to rob an ATM. For some, you will need a freight transport and a hammer drill. And for others - sleight of hand and a piece of plastic. The former are more worried about the bank's security service. And the second - ordinary owners of payment cards who withdraw cash from an ATM. Also, hackers cannot be ignored. A few lines of code - and the ATM will not only give out the money itself, but also give the fraudster the details of the users' cards.
How ATMs are robbed: tricks targeting cardholders
The ATM is no longer for payment scammers. Nevertheless, criminals quite often use this device to empty the payment cards of citizens. Let's consider the basic techniques that are applied to ATM.
- - installation of special overlays on the ATM that allow you to copy data credit card, as well as "spy" a PIN-code from a hidden camera or fake keyboard. Fraudsters use this data to make fake cards and cash out from victims' bank accounts.
- - installation of a special strip with adhesive tape on the cash slot, which blocks the withdrawal of money. The goal of the scammer is to make the customer think that the ATM has run out of money or an error has occurred. Then the victim will take the card and leave. And the criminal will be able to move the cover and take the funds
- - installation of special equipment on the slot for accepting the card to block the credit card inside the device. The goal of the fraudster is to force the cardholder to move away from the ATM, and then to pull out his credit card with a special tool.
How are ATMs robbed with viruses?
- allow a fraudster to remotely obtain technical information and PIN codes bank cards that end up at the ATM
- infect the ATM with a virus that gives them access to the banknote vault.
How is the ATM secured against physical hacking?
Fraudsters who do not want to tinker with linings and other tools to steal payment card details are trying to steal the entire box. Or open it on the spot.
How is an ATM secured against such attacks:
- CCTV Cameras, fix suspicious activity of fraudsters near the ATM. Modern technologies allow you to continue filming what is happening at the ATM, even if the device itself has already been disabled. Often there are two of them - one built into an ATM and one located not far from the facility.
- ATM case protects banknotes in the safe thanks to the thick walls made of heavy-duty metal, which are difficult to attack with a puncher.
- sensors, which react to a blow or an attempt to open an ATM. And they send a signal to the control panel of the guards, who usually arrive at the site in a few minutes.
- wall mountings, thanks to which it will be possible to pull out the ATM only with the help of a cargo vehicle- the ATM itself weighs about 4 tons
- GPS beacons are embedded in an ATM to inform the bank's security service about the exact location of the device. The main condition for the beacon to work is the presence of a satellite signal. If the ATM is placed in the basement, the device will not give a signal.
The development of this case was carried out by operatives from the police and the FSB. The siloviki managed to figure out two 30-year-old Chelyabinsk residents who had been stealing money from people's mobile phones and bank cards for two years. The hackers found out quite a lot about the decent amounts on their victims' accounts. in a simple way: all victims announced fundraising for the treatment of loved ones. To turn the scams, the defendants have established such a scheme.
A power of attorney was forged on behalf of the owner of the SIM card.
Then they went to the salon, changed their SIM card and immediately transferred money to themselves. Sometimes a person's number was connected to a "mobile bank".
Then the swindlers took money straight from the accounts. - They had their sources in various banking and telecommunication companies, - noted in the press service of the Main Directorate of the Ministry of Internal Affairs of Russia for Chelyabinsk region.
Site search
In total, they managed to steal 1 million 190 thousand rubles. Chelyabinsk citizens face up to ten years in prison for fraud in the field of computer information.
found that the ATM in the room was badly damaged. They called the police. As it turned out, unknown persons entered the building at night, opened the ATM and pulled out 1.2 million rubles. - At present, a criminal case has been initiated on this fact under the article “Theft on an especially large scale”. The search for intruders is underway, all the circumstances of the incident are established. - told the site “First. ... The police stopped the crime, but only one of the suspects was arrested.
In the village of Mezhozernoye, a major theft almost occurred.
Four masked men climbed into the store and tried to open the Sberbank ATM, which contained 9.5 million rubles. However, the police arrived at the scene on time and did not give it.
... "Magnet". Several people entered the store to open the ATM.
The number of cash thefts from ATMs is growing at an alarming rate
Recently, theft from ATMs in Europe has been growing at an alarming rate.
The technical capabilities of criminals are expanding, as a result, in 2008 the number of thefts from ATMs increased by 149%, and total cost of such crimes in Europe is about half a billion euros, the European Agency for information security(ENISA). ENISA has published a special report
"Theft from ATMs: A Look at the Situation in Europe and the Golden Rules of Prevention"
In which he urges consumers to take more careful precautions to prevent theft from bank cards.
In the Chelyabinsk Region, an investigation into a criminal case of cyber fraudsters who “cleaned” donation accounts for seriously ill children has been completed.
Per last year The number of ATMs in Europe has grown by 6%, bringing the total to 400,000, the report said. Many of these ATMs are located in remote locations such as small local department stores, airports, and gas stations.
For six months, they managed to steal more than a million rubles, reported on Thursday at the Main Directorate of the Ministry of Internal Affairs of the region.
“Two South Urals residents will appear before the court, accused of committing fraud in the field of computer information,” said Angelica Chirkova, head of the press service of the regional police chief. - It was found that from December 2013 to July 2014, they committed more than a dozen thefts from bank cards and SIM cards of parents of seriously ill children, who received donations from the population. The total damage from the illegal actions of hackers amounted to one million 190 thousand rubles.
As a rule, accounts connected to the Mobile Bank became the object of fraudulent transactions.
Stealing money from an ATM
As practice shows, the simpler, the more effective.
Below are photos of that, so with the help of ordinary adhesive tape and a simple metal strip, you can delay the issuance of bills from the dispensing tray. While you walk around and figure out what the matter is, your money will go into other skillful hands. There was an accompanying text to this material, but since I am not strong in the languages of the neighboring CIS countries, and the online translator option leaves much to be desired, the retrospectively received review will sound like this: and the PIN code becomes irrelevant.
There are much simpler solutions, and the more unexpected they are, the more effective. In fact, what will you think when the ATM does not dispense money?
How to steal money?
Theft of funds on the territory Russian Federation is a criminally punishable crime, depending on the severity of which punishment is provided under Article 159 of the Criminal Code of the Russian Federation in the form of fines from 80 to 200 thousand.
You will go to solve the problem with its owner.
rubles, forced labor for up to 2 years or imprisonment for a period of one to 6 years. Despite the harshness of the legislation regarding these crimes, theft and fraud do occur. In order not to become a victim of fraudsters and thieves, we suggest that you familiarize yourself with the techniques they use to embezzle other people's money.
Today cash can be of two types: cash and non-cash. We will start considering the methods of stealing money with the theft of non-cash funds.
You need to be especially careful when shopping online as modern technologies allow attackers to use spyware and duplicate sites through which they obtain personal information on any card.
Stealing money from an ATM article
Sarov policemen discovered the loss of money from an ATM, forgotten in the bill acceptor of one of the bank's clients. The man found on the video will be prosecuted under the article “theft”, since he managed to spend the funds taken.
According to the press service of the Internal Affairs Directorate, on February 2, 2014, a 35-year-old woman from Sarov turned to the police station on duty with a request to find her money, which had been left at an ATM the day before. During the investigation, it turned out that the day before, citizen P.
came to the store "Plaza", located on the street. Moscow and decided to withdraw 4,000 rubles for personal needs. However, after the Sberbank of Russia ATM gave her cash, she took the SB card, and forgot to take the money from the bill acceptor.
I remembered this only the next day. The police officers carried out a number of operational-search activities related, in particular, to inquiries to Sberbank about the recipient of the money.
And the ATMs keep rattling: (
On Tuesday night, an unknown criminal opened an ATM installed in a store on People's Street, house 8, in St. Petersburg, and stole 2.2 million rubles from it. The intruder entered the store, picking up the keys to the doors.
Then the offender drilled out the lock on the back wall of the ATM belonging to Promsvyazbank and stole 2.2 million rubles, according to the Operative Cover.
According to available information, the store is not guarded.
The alarm signal from the ATM came to the bank's security console at 6.30 am.
By the time the police arrived, the offender had disappeared.
As noted in law enforcement agencies, the attacker was clearly aware of the lack of security and alarm in the store itself. He slowly smoked a few cigarettes, and got rid of the ATM in a matter of minutes.
Stealing money from an ATM
Visitors legal advice asked 67 questions on the topic "".
On average, the answer to a question appears in 15 minutes, and to a question we give a guarantee of at least two answers, which will begin to arrive within 5 minutes! Good evening. I'm doing retail I hired a salesman on March 28, 2013. I paid salary for March and April by agreement.
The salary is paid from 1 to 01.06.2013 Theft of money from the cash desk of the enterprise by conspiracy, they confessed, wrote a paper that they would return the money. An audit was appointed, they demand money for its work. Is that correct?
03/27/2014 Theft of money from a bag, a confession and full refund Money.
The victim wrote that she has no complaints. What to expect a court decision? 02/03/2015 I work as a bartender in one cafe, at the end of the shift, as usual, I calculated the proceeds and put all the money in the cashier, since we do not have a safe!
Despite the fact that theft is a criminal offense and you can get a considerable prison term, this does not stop criminals.
They come up with new ways of citizens. To know what methods of taking money away are used by cybercriminals most often and how to protect their savings - read on.
How is money stolen from ATMs?
Thieves are very creative and use a variety of ways to steal your money. But the most common are two types of illegal withdrawal of funds from payment terminals:
- Skimming
A special device is installed on the ATM card collector, which reads information from the magnetic strip of a plastic card. Attackers can only use it.
- Lebanese Loop
To carry out this scam, a kind of "pocket" is glued to the terminal, where the money you withdraw goes. The ATM signals the disbursement of funds, but in fact you do not receive them. As soon as you step away from the device to complain to the bank or call support, the scammers calmly take the money and leave.
Most often, money is stolen from an ATM using special devices that read information from a card.
Bank clients
To steal funds from plastic cards scammers often use different devices:
- Additional keyboard
A special pad is attached to the real ATM keyboard, which fixes the combinations of entered PIN codes.
- Miniature camcorder
It is fixed next to the ATM keypad so that you can see which PIN-code numbers you are dialing.
- "Pockets" for banknotes
This has already been discussed above. These are ordinary plastic envelopes that cover the cash dispenser slot.
- Fake ATMs
Installed in crowded places to get information about the maps of future victims. Naturally, they don't work.
- Malicious programs
Payment terminals are infected with a virus that transmits to scammers information about all used bank cards.
If you see a suspicious device on the ATM, do not use it and call the technical support service.
Online theft is also actively developing now - hacking of bank accounts without the use of physical force.
Criminals don't even need to leave their homes to gain access to your e-wallets and accounts. They use the following methods:
- Phishing
Attackers send a letter or SMS with a virus to your e-mail. It comes on behalf of a well-known brand or the bank itself ( payment system). As soon as you open the email, you "infect" your PC with malware. It will collect information about your passwords, logins, payment card numbers, and then transfer the data to the sender or automatically transfer money from your wallets to the hacker's details.
- Vinlocker introduction
Winlocker is malicious computer program which blocks the Windows operating system. In this case, a notification will appear on your screen stating that the computer cannot work. To unlock it, you need to enter a special password. Of course, you need to pay a certain amount for it to the specified number. After the funds are transferred, the scammers send a code, but the problem may arise again.
Theft from bank cards and e-wallets made over the Internet.
At the bank
A new way to instantly pump money out of an ATM is called a drilled box. Everything is ingenious and simple - the criminals drill a hole in the ATM and connect a special device (bus). It is she who pumps out funds from the terminal.
However, third-party vendors have invented a device that controls the connection to the information bus of the ATM and helps prevent such attacks. At external connection The ATM simply stops responding to commands from fraudsters.
Most modern terminals are well protected from hacking and viruses.
Recently, many ATMs in our country have come under the attack of a dangerous new virus. First, it breaks into the outer loop of the bank's network and the device administration server in the closed network, and then attacks ATMs directly.
To prevent such incidents, it is necessary to implement specialized information security programs, involve third-party contractors to reduce the risk of security gaps.
Withdrawal problems arise for banks that have not updated their software to the required level.
New ways to steal money from bank cards
Thieves never stop there. Only recently have several new ways of stealing money from ATMs been discovered.
Here are some examples:
- "Cutting"
Not so long ago, fraudsters stole several million rubles by cutting and gluing together bills of different denominations. The "renewed" money was credited to bank cards attackers through terminals. After cashing out the funds, the criminals made the money cycle again.
- "Guiding thread"
Another swindler attached a strong thread to the five-thousandth bill and, with the help of this simple device, robbed an ATM for 200 thousand rubles. He dropped the bill into the terminal many times, and after the funds were credited to his account, he pulled it back.
- "Own course"
Also known is the case when hackers infiltrated the computer system of an ATM and "raised" the dollar rate to 1.5 thousand rubles. They exchanged 800 dollars for 1.2 million rubles.
Kaspersky Lab specialists recently revealed another interesting scheme. Employees of financial institutions began to complain about the arbitrary distribution of money to people who did not even try to withdraw it.
During the scan, malware was found on computers associated with terminals. The hackers gained access to the computers of bank employees, after which they transferred money to their accounts or cashed them through ATMs. More than 30 banks around the world have suffered from their actions, but they have not yet been found.
New products in the world of fraudulent devices also include shimmers - flexible metal plates thinner than a human hair. They are inserted into an ATM card reader and reads data from plastic cards. This method can be called modernized skimming.
How to protect your funds from theft?
To secure your savings as much as possible, you need to follow a few simple rules:
- try to withdraw cash from ATMs located in financial institutions rather than in stores or malls;
- examine the terminal for suspicious devices;
- if the ATM does not see your card or does not give it back after the operation is completed, do not leave the terminal and call the support service;
- connect SMS notifications to keep abreast of changes in your account. If you did not make any transactions, and the money was debited, immediately call the bank and block the card.
Be vigilant, and then you will not fall into the "clutches" of scammers.
And if a misfortune does occur, do not sit idly by - contact a competent lawyer. He will tell you what can be done to recover the stolen funds and punish the intruders.