Safety guidelines for using an ATM

• Use ATMs that are familiar or that are in well-lit locations where one feels comfortable. If the machine is poorly lit or is in a hidden area, use another ATM.
• Have card ready before approaching the ATM. Avoid having to go through the wallet or purse to find the card.
• Do not use ATMs that appear to have been tampered with or otherwise altered. Report such condition to the bank.
• Memorize ATM personal identification number (PIN) and never disclose it to anyone. Do not keep those numbers in your wallet or purse. Never write them on the cards themselves. And avoid using easily available personal information like a birthday, etc.
• Be mindful of “shoulder surfers” when using ATMs. Stand close to the ATM and shield the keypad with hand when keying in the PIN and transaction amount.
• If the ATM is not working correctly, cancel the transaction and use a different ATM. If possible, report the problem to the bank.
• Carefully secure card and cash in the wallet, handbag, or pocket before leaving the ATM.
• Do not leave the receipt behind. Compare ATM receipts to monthly statement. It is the best way to guard against fraud and it makes record-keeping easier.
• Do not let other people use your card. If card is lost or stolen, report the incident immediately to the bank.

Guidelines for ATM users by State Bank of Pakistan (SBP)

• Guidelines for account holders using Visa Debit Cards by SBP
• Guidelines for account holders using Visa Debit Cards by SBP - Urdu