Travelers are at risk of having their ATM cards stolen while overseas. They are also in danger of having their withdrawn funds stolen. Sensitive information, such as PIN and bank account numbers, are vulnerable when using foreign ATM machines. It's important to carry and withdraw a minimal amount of cash. A good rule of thumb is to only carry amounts that will be needed for one day. Travelers' checks present less risks because they can be replaced if lost or stolen and don't draw as much attention from thieves.
Physical assault -- including rape and kidnapping -- is a risk of carrying ATM cards overseas. Though the ultimate goal is to obtain access to a traveler's money, thieves may subject travelers to battery and intimidation in order to gain access to bank accounts. Kidnapping is possible in certain countries where the targeting of American citizens is high. People are more vulnerable to attacks when traveling alone. If an ATM withdrawal is necessary, make it inside of a bank, major hotel or shopping center. It's also advised that withdrawals from ATM machines be done during daytime hours.
Using ATM machines in foreign countries may provide thieves with the opportunity to liquidate travelers' bank accounts. Any machine that doesn't issue a receipt after attempting to make a withdrawal should be regarded as suspicious. Some ATM machines may make it appear as though the card is stuck, prompting users to re-enter PIN numbers. Other machines might purposely reject withdrawal transactions. Travelers should be aware of any suspicious people who are in the area while this occurs. They should especially be wary of anyone who stands by and attempts to assist. Bank accounts tied to ATM cards should be checked as often as possible for unauthorized activity.
Some ATM's dispense counterfeit money when withdrawal requests are made. Some issue receipts that say funds were taken out of the cardholder's account, but no cash comes out. Notify the card issuer as soon as possible in these situations. Many banks provide ATM cardholders with protection against fraudulent and unauthorized activity. Depending upon the bank's policy, replace funds if the unauthorized activity is reported within a certain time.
