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Thing is, I'm in Turkey, where you can't actually use debit cards for online transactions. It was my Turkish lira account, the only one attached to the card and the one that was running low anyhow, because it was the end of the month and I hadn't bother exchanging foreign currency for lira recently. There was no way to access the other accounts via the card at an ATM.

A conversation with a banker revealed that the common trick here is for thieves to attach cameras to ATMs to grab details, and then build mimic cards to drain accounts. The bank was pretty cooperative in processing my claim, and said they should have the money back to me in about 45-180 days. So, that's kinda lucky.

I'm going to be extra observant at ATMs from now on though.



Yeah, they're called ATM skimmers, they've been a pretty big problem in the US too. Kerbs has some nice articles about how they work:

http://krebsonsecurity.com/all-about-skimmers/




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