What is card skimming UK?

Card Skimming in the UK

Card skimming refers to the illegal practice of cloning or stealing card information using modified card readers. This method targets the magnetic stripe or chip on a payment card, extracting data that can be used to create counterfeit cards or make fraudulent transactions.

Unlike ATM skimming, which involves a broader range of techniques, card skimming typically utilizes compromised card readers at point-of-sale (POS) terminals or self-service kiosks. The modified readers capture card details as the card is swiped or inserted, along with any PIN numbers that may be entered.

Typically, criminals will install a small device known as a “skimmer” over the original card reader, either by using a glue or a magnetic strip. The skimmer is designed to blend in with the surrounding environment, making it difficult to detect.

Once the card is swiped or inserted, the skimmer captures the magnetic stripe or chip data and stores it on a hidden device. This data can then be transferred to a blank card, allowing the criminals to use it for fraudulent purchases.

In recent years, card skimming has become increasingly prevalent in the UK. According to the UK’s National Fraud & Cyber Crime Reporting Centre (NFCCRC), over £2 million was lost to card skimming in the first half of 2023.

To protect yourself from card skimming, it is important to be vigilant when using your card. Pay attention to the card reader and look for any suspicious features, such as loose components or unusual add-ons. If you notice anything suspicious, do not use the card reader and report it to the business or bank immediately.

Additionally, consider using contactless payment methods, such as Apple Pay or Google Pay. Contactless payments do not require the card to be inserted into a reader, reducing the risk of card skimming.

If you believe you have been the victim of card skimming, contact your bank immediately. You should also report the incident to Action Fraud, the UK’s national fraud reporting centre.