Bangalore: ATM skimming, a sophisticated fraud involving capture of card information as well as the user's PIN has landed up on Indian shores and is on the rise. Be it fast-food chains, department stores or gas stations, all these have ATM machines inside their premise. Most often ATM frauds happen due to the negligence of customers, and more importantly, negligence of banks in educating their customers about the matters that should be taken care of while at an ATM. Vaibhav holds a SB account in SBI Kathua (J&K). On his visit to Jammu he used his ATM card to withdraw money from ATM at sum Plaza. His ATM card was not being accepted by the ATM machine and it said 'Invalid Card' repeatedly. A smart young boy offered him help. The boy put some saliva on the back of the card and put it in ATM machine but the machine failed to accept the card. He tried two three times and finally the card was accepted by the ATM machine. Vaibhav entered his Pin and in that process he replaced his ATM card and gave him SBI ATM card of some other person. Vaibhav did not notice any fraud at that point of time. After three days when he used the ATM card and found that the card has been blocked. The details of the card were different and the owner is Mohan. He contacted his Bank Manager of SBI Kathua, who informed him that a sum of 80,000 has been withdrawn from his account. Though he blocked the card immediately and lodged an FIR, he never got back his money back. If you have been a victim of ATM frauds. Share your experience by dropping in a comment or writing to us at editor@siliconindia.com Here are a few things to look out for to avoid getting caught in ATM frauds Choose an ATM in known surroundings As much as possible try and go to the ATM centre you are familiar with. Avoid ATM's that are located in a crowded or isolated place. If the ATM you are about to use looks suspicious in any way, i.e., damaged or tampered with, then do not use it. Find another ATM to use. Even a slow-moving ATM indicates it's been tampered. Do not use non-bank ATM machines as the risk of ATM theft scams is higher than machines at your bank.