Card skimming is a form of theft where criminals attach a hidden device — a "skimmer" — to a legitimate card reader to secretly capture your card information when you pay or withdraw cash.
Where skimmers turn up: ATMs, gas pumps, and sometimes store checkout terminals. Skimmers are often paired with a hidden camera or a fake keypad overlay to capture your PIN at the same time.
How to spot a skimmer:
- Inspect the reader before you use it — look for parts that seem loose, bulky, mismatched, or newer than the rest of the machine.
- Tug gently on the card slot and keypad. Skimming overlays can feel loose or come away.
- Look for hidden cameras pointed at the keypad, or a keypad that feels thick or spongy.
How to protect yourself:
- Cover the keypad with your hand when entering your PIN.
- Prefer contactless ("tap") payments or chip insertion over swiping — they are harder to skim.
- Use ATMs in well-lit, secure locations, such as inside an RMO Retail Center.
- Monitor your account and turn on transaction alerts so you catch unauthorized charges fast.
If you think your card was skimmed: report the card and report suspected fraud to RMO immediately.