ATM Safety Tips

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Beware of scammers persuading you to transact via ATM machines.

What is ATM Fraud?

• Caller ID spoofing involves customers receiving phone call from alleged PDRM/SPRM/BNM/Customs/Court and coaxed into performing transfers at the ATM to an unknown 3rd party account. Customers are usually made to believe that legal action will be taken against them if they do not follow the instructions given.
• Alleged fraudsters may also send SMS to customers informing them that they have won some prizes in a competition. Customers are then duped into transferring money to an account in order for them to claim the said prizes. Fraudsters will then immediately siphon the transferred funds from the  fraudulent beneficiary account or 'mule account' via immediate cash withdrawal or 3rd party transfer.

What would you do if you received a scam call or SMS?

• DO NOT reveal your details such as; IC, PIN No, Account details etc
• DO NOT follow any instruction from the caller
• BE VIGILANT of any calls requesting you to transfer any funds to unknown account
• REMEMBER! Banks will not call you to reveal your details over the phone
• DO CALL our contact centre at 1300-88-66-88 immediately in case of doubt
• BE VIGILANT of any SMS that may come from fraudster. SMS from the bank does not contain contact number

What is SMS Notification for Transactions via ATM (“SMS Alert”)?

• Service offered to all Maybank debit cardholders who have registered for this facility to receive alerts on excessive ATM withdrawals made from their accounts.
• SMS notification will be sent to customers’ mobile phone when their ATM transactions met the parameter set by the bank.
• Customers will not be charged for this service.
• All Maybank debit cardholders are strongly advised/recommended to register for this service.

SMS Alert Registration

• The SMS will be sent to the mobile phone number registered with the bank.
• Customers to update their latest Malaysian-registered mobile phone number to the bank.
• Registration can be made at any Maybank ATM.
• Step-by-step process flow for the registration:
  
  

Alerts received for unrecognised transactions

• Contact Maybank Group Customer Care Hotline (number stated at the back of the Debit card) and report to our Customer Service Executive immediately for immediate measures.

SMS Alert for “Joint Account”

• Customers with a Joint Account may receive SMS Alert provided both account holders have their own debit cards linked to the account and both have registered their mobile phone numbers for the service.
• Cardholders will receive SMS alerts for transactions performed using their respective cards.Example: Customer A and Customer B maintain a joint account and both have debit cards linked to the account. Both customers registered their mobile phone number for SMS notification.
  
  Customer A
  Card number:  4283 **** **56 2101
  Mobile number: 011 **** 123
  
  Customer B
  Card number:  4283 **** **57 2102
  Mobile number: 012 **** 456
  
  Customer A will receive SMS to the mobile number 011 **** 123 for transactions using card number 4283 **** **56 2101 and Customer B will receive SMS for transactions performed using 4283 **** **57 2102 to mobile number:  012 **** 456

SMS Alert while travelling overseas

• SMS will only be sent to Malaysian-registered phone numbers.
• Customers must activate the “roaming” facility when they are overseas.

Overseas ATM withdrawal

• Customers travelling overseas may perform ATM withdrawal upon the activation of ATM overseas withdrawal service (overseas debit card activation)
• Activation can be done via M2U and ATMs located at Maybank Malaysia, Maybank Cambodia and Brunei only.
• Maximum period allowed for activation is 12 months, however customers are advised to minimise the risk exposure by activating the overseas flag when they need to use the ATM while they are overseas and deactivate it immediately after they perform the transactions.
• Step-by-step process flow for the activation via M2U and ATM:
  M2U
  Log in to M2U > Settings > Cards > Manage Debit Card > Overseas Debit Card Activation > Slide the button to ON > Click Activate > Approve the activation request via secure2u or TAC number.
  
  ATM
  

Opt out from receiving SMS Alert?

• The service is offered to customers with the objective to alert customers on suspicious transactions from their accounts. Thus why it is advisable for customers to opt for the service.
• Nonetheless, customers may de-register for the SMS Alert via ATMs by following the steps as shown below:
  
  

Customers need to be mindful and take the necessary precautions to protect themselves when performing cash withdrawal transactions at the ATM/SRM (dual function machine –withdrawal & cash deposit).

Some key pointers to practice:

• Keep focused and vigilant on your surrounding and while performing transactions at the ATM/SRM
• Do not record any videos or take any photos which may distract you during your transaction at the ATM/SRM
• Always remember to take your card and collect your cash before leaving the ATM/SRM
• Ensure that cash collected is as per intended withdrawal amount  

Below are some additional measures to be undertaken in order to safeguard yourself when performing a cash deposit transaction at SRM (dual function machine –withdrawal & cash deposit).

Safeguard Your Cash in Public Areas

• Count your cash before entering the Self Service area
• Ensure that notes deposited are not folded/crumpled or contain any foreign objects (paper clips, staples, rubber band)
• Recheck and reconfirm the recipient’s name displayed on the screen
• Recheck and reconfirm the amount displayed on the confirmation screen
• Do not deposit ‘foreign currency notes’ into the machine.
• Ensure that you press the ‘confirm deposit’ button to complete your transaction
• Wait until the deposit transaction is fully completed and retrieve your receipt before leaving the SRM.

Do not insert any foreign objects into the SRM

• Do not deposit/insert foreign objects into the machine i.e. rubber band, paper, parking ticket, clips
• Do not insert soiled/torn/unfit notes into the machine
• Do not insert crumpled/folded notes into the machine

Are you currently using social media or dating apps to meet new people? If yes, then please read on. If that person you’ve just met online is asking for financial help, BEWARE! They might just be a LOVE Scammer.

Find out on how to spot a LOVE Scam situation:

• Scammers will create fake online profiles and post in legitimate dating sites
• Scammers will coax the victims to gain their trust quickly and profess their love
• They fabricate sob stories to convince victims to transfer monies to them
• Sadly, the amount will never be enough and the victims will be asked to give more
• They will always give excuses for not meeting in person or even refused to go on a video chat

REMEMBER! Scammers are not romantic. Don’t let them break your heart or your bank account. Protect yourself from a love scam by:

• Being very vigilant and careful about what you post in public. Scammers can use details shared on your social media accounts to better understand their targets.
• Always be curious and ask questions. Take your time to get to know your new found friend or love interest. Look for inconsistencies in their stories they tell you. Don’t allow a scammer to rush you into a relationship.
• Getting a second opinion by talking about it with your family or friend. A second pair of eyes can help you spot scammers a lot easier.
• Being aware of any money requests. Never send money over or give your banking details to an online love interest.

Always BE ALERT and BE EXTRA SUSPICIOUS when something is too good to be true. Check sources with the proper authorities, and do not rush to transfer money without proper verifications! Stay vigilant and protect your bank account by registering to Maybank SMS Alert to receive notifications!

If you receive a call from someone who claims to be a law enforcement agency officer and informs that you have committed a criminal act, you may be in the early stages of a Macau Scam.

MACAU Scam modus operandi:

• The scammer will call and pretend to be an officer from a bank or enforcement agencies
• The scammer will claim that the victim is currently under an ongoing investigation for a crime/have committed a criminal act e.g. unpaid summons or taxes
• The scammer will warn the victim that the process is confidential and that the victim is not allowed to tell anyone about the call
• The scammer will ask for personal information and requests for payment/money transfer into unverified bank accounts
• The scammer will urge the victim to transfer the fund quickly so that the victim will have no time to think

If you or someone you know have been or are in the above situation, DO NOT PANIC. Below are some dos and don’ts for your guidance:

Do

• Slow down and take steps to verify caller ID and information i.e. validate with the authorities
• Hang up immediately if you are asked to send/transfer money or reveal your personal details
• Consider a call blocking app to filter unwanted calls
• Share with your family and friends as scams only work on people who don’t know about them

Do Not

• Feel pressured to make a decision over the phone
• Blindly follow instructions
• Transfer funds to an unverified account
• Disclose your personal/banking details to a third party

Always BE ALERT and BE EXTRA SUSPICIOUS when something is too good to be true. Check sources with the proper authorities, and do not rush to transfer money without proper verifications! Stay vigilant by registering to the Maybank SMS Alert!

Immediately call Maybank's 24/7 Fraud Hotline at 03-5891 4744 or the National Scam Response Centre at 997.