How to Use ATMs Safely Abroad: A Complete Guide

Choose the Right ATM - ATMs inside bank branches are the safest — they are maintained regularly and monitored by security cameras - ATMs in hotel lobbies are generally safer than street machines - Standalone ATMs in tourist areas, convenience stores, and exchange bureaus carry the highest risk of skimming devices

Check the Machine Before Using It - Wiggle the card slot — it should be firmly attached with no movement - Cover the keypad with your hand while entering your PIN, even if no one is watching - Look for any additional plastic that appears attached to the machine — anything that looks like it was added rather than built in - If the machine looks different from others at the same bank, use a different machine

Dynamic Currency Conversion (DCC) When using a foreign ATM, the machine may offer to convert the transaction to your home currency at "today's rate." Always decline and pay in local currency. DCC rates are typically 3–7% above the interbank rate — your home bank's rate will almost always be better.

Withdrawal Habits That Reduce Risk - Withdraw larger amounts less frequently to reduce the number of transactions - Enable real-time transaction notifications on your card so unauthorized charges appear immediately - Use a separate travel card (Wise, Revolut) for ATM withdrawals, keeping your main account insulated - Keep your daily withdrawal limit set low and raise it only when needed

What to Do If Your Card Is Compromised Call your bank immediately, freeze the card through your banking app if possible, and dispute any unauthorized transactions. Acting within 24 hours maximizes recovery chances.