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The reader is very small - the width of its head is equal to the width of the magnetic tape of the card, the thickness is 2-2.5 mm. That is, even comparing, the client will not notice any difference - the skimmer is, in fact, located inside the connector. Skimmers accumulate information about the cards inside, or with the help of a transmitter via wireless channels (most often it is Bluetooth or SMS-message) they immediately transmit it to a mobile phone or a device hidden a few meters from the ATM. Carder is not at risk because he is not near the ATM. It spins nearby, or occasionally appears at the "spot" to replace the information-filled skimmer.
The second part of the skimmer is an overlay keyboard, designed to "remove" information about the PIN-code of the card. These are the same microcircuits as on the card input connectors, only hidden in the keyboard. Plus a disassembled mobile phone, configured to always send SMS. Since the ATM keyboard is metal, the invoice has to be made of the same material, but it, as a rule, stands out by 0.5-1 cm on the general plane of the ATM, and therefore is easily detected. Sometimes, so that the client does not have suspicions, the keyboard is superimposed on the entire working area of the terminal. No bulges and no suspicions. SMS is sent after pressing the Enter key on the keyboard. But there are people who press Enter not on the keyboard, but on the pencil case to the right of the screen (for example, I always do this). In this case, the PIN is not sent. However, you can configure the skimmer to send a message after pressing the fourth digit of the PIN. There are also skimmers that send SMS when you press any key.
After receiving the above information, fraudsters, as a rule, write it down on the so-called "white plastic" - that is, a plastic card with a magnetic stripe that does not have any logos and design, and with its help they receive cash at another ATM. But a full-fledged plastic card can also be produced, suitable for paying for purchases in ordinary stores. Sometimes it is safer, since in the case of an ATM, the criminal has to change his appearance dramatically, which the ATM camera will definitely fix. And, in relation to the realities of Russian reality, in the future, you will have to deal with the bank's security service, which also uses non-traditional, and, often, not entirely legal methods of work.
However, shopping in stores is also not so simple. As a rule, criminals choose a store that is farther from the place where they live. It is also desirable that the seller be a woman. Often they work in pairs, and while one is shopping, the other is on the street and insures a friend. If the buyer starts having problems, he can even enter the store and pay for the accomplice, citing the fact that they live in the same hotel and then pay off. The criminal has no more than two plastic cards with him, in case one does not work, and necessarily the amount in cash for which he plans to make a purchase. If something goes wrong, the offender quickly pays in cash and, pretending to be dissatisfied, disappears, trying to take the plastic with him. There are many nuances associated with the lack of documents, mismatch of numbers on the card and check, difference in signature, unexpected codes issued by the ATM (up to code 06 - the card is stolen). But the real criminals, if they are professionals, will bypass them all. This is work for them. Before buying something, they watch the seller, establish contact with him, have patterns of behavior for all occasions. And the seller, in general, is no less satisfied with the criminal - he sold a lot and at a high price.
The only exception is casinos. Previously, they were the favorite places for money laundering from plastic cards, as they allowed you to get up to $ 500 in cash from a card without presenting documents, or to buy chips and, after playing a little, exchange them for cash. But recently, the policy of gambling establishments has undergone changes. Now the number of cameras per square meter of premises exceeds all reasonable values, and the security services have adopted many of the methods of work of our law enforcement agencies.
Where to go to share?
Which countries do criminals choose to work in? It is clear that the country must be high-tech, fighting for the observance of human rights, have many visiting tourists (the main "bread" of carders), and not the third world. Hardly anyone will go to work in Bhutan or Iran. In these countries, even the actions of our militiamen may seem too soft to the locals. In anticipation of the holiday season, we should be especially careful in the following countries.
1) Austria and Germany. What is good for a Russian is, as you know, death for a German. But the opposite is also true. Accordingly, in order to work in these countries, the carder must thoroughly know the area. The situation in the morning and in the evening is completely different, there are a lot of police, especially after dark. The standard of living is high. It is difficult to cash out "skarden". Plus the famous German punctuality and decency. Summary - relatively safe countries in terms of carding.
2) Hungary, Romania - the countries of the Roma, there are many poor and illiterate people, the locals do not like Russians in advance. Hungarians consider themselves illegitimate Germans, but the situation in the country is very different from that of Germany. There are many tourists all year round, many ATMs, a lot of stupidity in the actions of the police. Summary - Be very careful, carding is booming.
3) Spain, Italy - there are not so many ATMs (even in comparison with Russia), the average level of income, there are many tourists all year round. There are a lot of police, but in the eyes of a policeman a tourist is a respected and almost inviolable person. For some reason, there are almost no external cameras around ATMs. Summary - be very careful, carding is booming;
4) Cyprus - the first impression - a resort where friendly, friendly, unconcerned people live. A couple of years ago, due to the abundance of tourists, the income from carding on the island exceeded the income from tourism. However, now the fight against him is going on almost at the state level. All local residents know what skimmers look like (staff instruct them every time they visit the bank), check ATMs, if a skimmer is found, they immediately call the police, and they themselves guard the find. Everyone knows each other, and when the carder tries to repulse the equipment by force, they come to the aid of their own. The police work very well and quickly. And in general, this is an island. It is difficult to hide from it. Summary - you can safely go to sunbathe and not think about anything.
5) Monaco - Porsche is considered a cheap car in this country. There are not very many ATMs, there are just a huge number of CCTV cameras (even in elevators). There are many police in the center, almost none in residential areas. There are a lot of tourists all year round, the terrain is mountainous. Carders live well here not with tourists, as elsewhere, but with the local population. Summary: if you climbed somewhere away from the center - be very careful. You can feel calm in the center;
6) The UAE is a country rich in oil, sheikhs and wealthy tourists. And there is also the world's only seven-star hotel. There are also so-called "neighborhoods of the rich", fenced off by triple fences and patrolled by guards with automatic weapons. However, with such personal security, ATMs receive very little attention. Cash out is easy with high daily limits. However, the visiting carder will not be able to get lost among the local population. And to smear your face with shoe polish so that the ATM camera fixes it in this form - mauvais ton. Summary - be careful, carding is common.
7) Thailand, Turkey - countries are not rich, tourists visiting them are not oligarchs either. There are few ATMs, the daily limit is small, but it is very easy to cash out. The police are stupid, and the local population will do anything for you for the opportunity to get a dollar. Nobody monitors ATMs, there are practically no outdoor cameras. Summary - use only ATMs at hotels. Then you can rest in peace if the carder does not live in your hotel. If you need to use an "ownerless" ATM somewhere in the city, be very careful.
8) France - the level of wealth is slightly less than in Germany. There are many rich tourists, many ATMs, the range of ATMs seems to have been specially created for the skimmers that Russian carders have. The police and gendarmerie cannot share responsibilities, which creates a lot of confusion. Summary - Be very careful, carding isn't just thriving, it's thriving.
Vigilant note
How to protect your own savings? Of course, banks are improving their equipment, and they also care about our safety. ATMs appeared with special protection against skimmers - they first pull the card into the receiving device, then partially push it out, and only then finally absorb it in their gut. Such a procedure knocks down the sequence of reading information by the skimmer and makes it unsuitable for further use. Try to choose such an ATM, although it is not a panacea - some skimmers are configured to read information when the card is removed from the ATM. It is advisable to choose an ATM near the bank, look around for outdoor cameras - the more, the better. Be sure to carefully examine the ATM, if anything suspicious is found, refuse to use it. The best time to use ATMs is from 9:00 to 11:00 - this is the time when they are checked by the police and monitored and serviced by bank employees. And this period of time is recognized by carders as the most dangerous and not recommended for the installation of skimmers. If there are any people with telephones in the vicinity of the ATM, stop using ATMs.
And the last thing. Check your balance more often, and if any amounts, even very small ones, start disappearing, call the bank. By the way, in many countries, some street telephones accept plastic cards. You insert, call, and the money is debited from the account. And this method is recognized by carders as one of the most reliable and safe for checking the "validity" of cards.
The second part of the skimmer is an overlay keyboard, designed to "remove" information about the PIN-code of the card. These are the same microcircuits as on the card input connectors, only hidden in the keyboard. Plus a disassembled mobile phone, configured to always send SMS. Since the ATM keyboard is metal, the invoice has to be made of the same material, but it, as a rule, stands out by 0.5-1 cm on the general plane of the ATM, and therefore is easily detected. Sometimes, so that the client does not have suspicions, the keyboard is superimposed on the entire working area of the terminal. No bulges and no suspicions. SMS is sent after pressing the Enter key on the keyboard. But there are people who press Enter not on the keyboard, but on the pencil case to the right of the screen (for example, I always do this). In this case, the PIN is not sent. However, you can configure the skimmer to send a message after pressing the fourth digit of the PIN. There are also skimmers that send SMS when you press any key.
After receiving the above information, fraudsters, as a rule, write it down on the so-called "white plastic" - that is, a plastic card with a magnetic stripe that does not have any logos and design, and with its help they receive cash at another ATM. But a full-fledged plastic card can also be produced, suitable for paying for purchases in ordinary stores. Sometimes it is safer, since in the case of an ATM, the criminal has to change his appearance dramatically, which the ATM camera will definitely fix. And, in relation to the realities of Russian reality, in the future, you will have to deal with the bank's security service, which also uses non-traditional, and, often, not entirely legal methods of work.
However, shopping in stores is also not so simple. As a rule, criminals choose a store that is farther from the place where they live. It is also desirable that the seller be a woman. Often they work in pairs, and while one is shopping, the other is on the street and insures a friend. If the buyer starts having problems, he can even enter the store and pay for the accomplice, citing the fact that they live in the same hotel and then pay off. The criminal has no more than two plastic cards with him, in case one does not work, and necessarily the amount in cash for which he plans to make a purchase. If something goes wrong, the offender quickly pays in cash and, pretending to be dissatisfied, disappears, trying to take the plastic with him. There are many nuances associated with the lack of documents, mismatch of numbers on the card and check, difference in signature, unexpected codes issued by the ATM (up to code 06 - the card is stolen). But the real criminals, if they are professionals, will bypass them all. This is work for them. Before buying something, they watch the seller, establish contact with him, have patterns of behavior for all occasions. And the seller, in general, is no less satisfied with the criminal - he sold a lot and at a high price.
The only exception is casinos. Previously, they were the favorite places for money laundering from plastic cards, as they allowed you to get up to $ 500 in cash from a card without presenting documents, or to buy chips and, after playing a little, exchange them for cash. But recently, the policy of gambling establishments has undergone changes. Now the number of cameras per square meter of premises exceeds all reasonable values, and the security services have adopted many of the methods of work of our law enforcement agencies.
Where to go to share?
Which countries do criminals choose to work in? It is clear that the country must be high-tech, fighting for the observance of human rights, have many visiting tourists (the main "bread" of carders), and not the third world. Hardly anyone will go to work in Bhutan or Iran. In these countries, even the actions of our militiamen may seem too soft to the locals. In anticipation of the holiday season, we should be especially careful in the following countries.
1) Austria and Germany. What is good for a Russian is, as you know, death for a German. But the opposite is also true. Accordingly, in order to work in these countries, the carder must thoroughly know the area. The situation in the morning and in the evening is completely different, there are a lot of police, especially after dark. The standard of living is high. It is difficult to cash out "skarden". Plus the famous German punctuality and decency. Summary - relatively safe countries in terms of carding.
2) Hungary, Romania - the countries of the Roma, there are many poor and illiterate people, the locals do not like Russians in advance. Hungarians consider themselves illegitimate Germans, but the situation in the country is very different from that of Germany. There are many tourists all year round, many ATMs, a lot of stupidity in the actions of the police. Summary - Be very careful, carding is booming.
3) Spain, Italy - there are not so many ATMs (even in comparison with Russia), the average level of income, there are many tourists all year round. There are a lot of police, but in the eyes of a policeman a tourist is a respected and almost inviolable person. For some reason, there are almost no external cameras around ATMs. Summary - be very careful, carding is booming;
4) Cyprus - the first impression - a resort where friendly, friendly, unconcerned people live. A couple of years ago, due to the abundance of tourists, the income from carding on the island exceeded the income from tourism. However, now the fight against him is going on almost at the state level. All local residents know what skimmers look like (staff instruct them every time they visit the bank), check ATMs, if a skimmer is found, they immediately call the police, and they themselves guard the find. Everyone knows each other, and when the carder tries to repulse the equipment by force, they come to the aid of their own. The police work very well and quickly. And in general, this is an island. It is difficult to hide from it. Summary - you can safely go to sunbathe and not think about anything.
5) Monaco - Porsche is considered a cheap car in this country. There are not very many ATMs, there are just a huge number of CCTV cameras (even in elevators). There are many police in the center, almost none in residential areas. There are a lot of tourists all year round, the terrain is mountainous. Carders live well here not with tourists, as elsewhere, but with the local population. Summary: if you climbed somewhere away from the center - be very careful. You can feel calm in the center;
6) The UAE is a country rich in oil, sheikhs and wealthy tourists. And there is also the world's only seven-star hotel. There are also so-called "neighborhoods of the rich", fenced off by triple fences and patrolled by guards with automatic weapons. However, with such personal security, ATMs receive very little attention. Cash out is easy with high daily limits. However, the visiting carder will not be able to get lost among the local population. And to smear your face with shoe polish so that the ATM camera fixes it in this form - mauvais ton. Summary - be careful, carding is common.
7) Thailand, Turkey - countries are not rich, tourists visiting them are not oligarchs either. There are few ATMs, the daily limit is small, but it is very easy to cash out. The police are stupid, and the local population will do anything for you for the opportunity to get a dollar. Nobody monitors ATMs, there are practically no outdoor cameras. Summary - use only ATMs at hotels. Then you can rest in peace if the carder does not live in your hotel. If you need to use an "ownerless" ATM somewhere in the city, be very careful.
8) France - the level of wealth is slightly less than in Germany. There are many rich tourists, many ATMs, the range of ATMs seems to have been specially created for the skimmers that Russian carders have. The police and gendarmerie cannot share responsibilities, which creates a lot of confusion. Summary - Be very careful, carding isn't just thriving, it's thriving.
Vigilant note
How to protect your own savings? Of course, banks are improving their equipment, and they also care about our safety. ATMs appeared with special protection against skimmers - they first pull the card into the receiving device, then partially push it out, and only then finally absorb it in their gut. Such a procedure knocks down the sequence of reading information by the skimmer and makes it unsuitable for further use. Try to choose such an ATM, although it is not a panacea - some skimmers are configured to read information when the card is removed from the ATM. It is advisable to choose an ATM near the bank, look around for outdoor cameras - the more, the better. Be sure to carefully examine the ATM, if anything suspicious is found, refuse to use it. The best time to use ATMs is from 9:00 to 11:00 - this is the time when they are checked by the police and monitored and serviced by bank employees. And this period of time is recognized by carders as the most dangerous and not recommended for the installation of skimmers. If there are any people with telephones in the vicinity of the ATM, stop using ATMs.
And the last thing. Check your balance more often, and if any amounts, even very small ones, start disappearing, call the bank. By the way, in many countries, some street telephones accept plastic cards. You insert, call, and the money is debited from the account. And this method is recognized by carders as one of the most reliable and safe for checking the "validity" of cards.
