2. Memorise your PIN (if you must write it down, do so in a disguised manner and never carry it with your card ).

3. Never disclose your PIN to anyone, whether to a family member, bank staff or police.

4. Do not use obvious and guessable numbers for your PIN like your date of birth.

5. Change your PIN periodically, and if you think it may have been compromised, change it immediately.

6. Notice if anything looks unusual or suspicious about the ATM indicating it might have been altered. If the ATM appears to have any attachments to the card slot or key pad, do not use it. Check for unusual instructions on the display screen and for suspicious blank screens. If you suspect that the ATM has been interfered with, proceed to another ATM and inform the bank.

7. Be cautious when strangers offer to help you at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction. You should not allow anyone to distract you while you are at the ATM.

8. Avoid ATMs which have messages or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card reader.

Banks and other ATM owners will not put up messages directing you to specific ATMs , nor would they direct you to use an ATM which has been altered.

9. Check that other individuals in the queue keep an acceptable distance from you. Be on the look out for individuals who might be watching you enter your PIN. Stand close to the ATM and shield the keypad with your hand when entering your PIN ( you may wish to use the knuckle of your middle finger to key in the PIN)

10. Follow the instructions on the display screen, e.g. do not key in your PIN until the ATM requests you to do so.

11. If you feel the ATM is not working normally, press the cancel key, withdraw your card and proceed to another ATM. Report the matter to your financial institution.

12. Never force your card into the card slot.

13. Keep your printed transaction record so that you can compare your ATM receipts to your monthly statement.

14. If your card gets jammed, retained or lost, or if you are interfered with at an ATM, report this immediately to the bank/ police using the help line provided or the nearest phone.

15. Do not be in a hurry during the transaction, and carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.

16. Avoid opening your purse, bag or wallet while in the queue for the ATM. Have your card ready in your hand before you approach the ATM