South Africa faces a pervasive issue of fraud and scams, with criminals employing increasingly sophisticated methods to target unsuspecting individuals and compromise their financial security. As online banking and ATM usage become more prevalent, safeguarding against such threats has become a crucial concern. To protect yourself, here are valuable tips to avoid falling victim to fraud and scams at ATMs and online in South Africa.

ATMs:
Choose Safe ATM Locations: Opt for ATMs located in well-lit, busy areas with high foot traffic. Avoid isolated or dimly lit locations that may be more susceptible to criminal activity.
Check for Skimming Devices: Fraudsters often install skimming devices on ATMs to capture card information. Always inspect the ATM for any suspicious devices, loose parts, or signs of tampering on the card slot or keypad.
Cover Your PIN: Shield your PIN from prying eyes when entering it on the keypad. This prevents criminals from gaining access to your account by observing your PIN.
Beware of Distractions: Criminals may work in pairs, with one attempting to distract you while the other steals your card or withdraws money from your account. Stay vigilant and protect your card and cash from potential distractions.
Regularly Monitor Your Account: Routinely review your account activity to identify any unauthorised transactions. If you detect any suspicious activity, promptly notify your bank to take appropriate action.

Online:
Use Strong Passwords: Utilise strong passwords that are challenging to guess, incorporating a combination of uppercase and lowercase letters, numbers, and symbols. Avoid easily guessable information, such as personal details like your name, birthdate, or phone number.
Exercise Caution with Phishing Emails: Beware of phishing emails, a prevalent scam where criminals pose as legitimate entities, such as banks or government agencies, to extract your personal information. Always verify the sender’s authenticity before clicking on links or sharing personal data.
Implement Two-Factor Authentication: Enhance your online security with two-factor authentication, requiring an additional verification method, such as a code sent to your phone, in addition to your password.
Shop on Secure Websites: When making online purchases, ensure that the website is secure before providing any personal or financial information. Look for the padlock icon in the address bar and verify that the URL starts with “https” for a secure connection.
Exercise Caution with Public Wi-Fi: Public Wi-Fi networks can be insecure, making it easier for criminals to steal your personal information. Avoid accessing sensitive data, such as online banking, while connected to public Wi-Fi networks.

Additional Help:
It’s important to note that if you ever feel unsafe at an ATM or witness an incident, the Groote Schuur Community Improvement District (GSCID) is available to assist you. GSCID is dedicated to enhancing safety and security in the Groote Schuur area of Cape Town.
They provide security patrols, CCTV monitoring, and other services to ensure community safety.
In conclusion, safeguarding against fraud and scams at ATMs and online is crucial in South Africa’s current landscape. By following these tips and staying vigilant, you can protect yourself and your finances from potential threats. Additionally, knowing that organisations like the GSCID are available for assistance can provide further peace of mind. Prioritise your financial security and take proactive measures to mitigate.