Consumer Corner
Cash Trapping: How to Protect Yourself from This Sneaky ATM Scam
Cash trapping is a growing ATM scam where criminals block cash from dispensing and steal it later. Learn how to spot a cash trap, protect yourself with simple safety steps, and what to do if you’re a victim
Last Updated on September 8, 2025 by Daily News Staff
ATMs make accessing your cash fast and convenient—but they can also be a target for criminals. One of the more common, yet often overlooked, ATM scams is cash trapping. Knowing how it works, how to spot it, and what to do if it happens can save you both money and stress.
What is Cash Trapping?
Cash trapping is a type of ATM fraud where a criminal prevents your cash from being dispensed, then later collects it themselves. Unlike card skimming, which steals card information, cash trapping targets the physical cash in the machine.
Criminals attach a small device or flap to the ATM’s cash slot. When you attempt to withdraw money, the ATM thinks the transaction was completed, but the cash is “trapped” inside the device. Later, the criminal retrieves the money, leaving you empty-handed.
How to Spot a Cash Trap
Before using an ATM, it’s important to inspect the machine carefully:
Look for unusual attachments around the cash dispenser or card slot. Wiggle the cash slot and card reader gently—a loose part could indicate tampering. Check for sticky residue, scratches, or glue marks that may suggest someone has attached a device. Be observant of your surroundings. Suspicious people loitering near an ATM may indicate a higher risk.
Safe ATM Practices
Following these tips can drastically reduce your risk:
Use secure, well-lit ATMs inside banks, stores, or high-traffic areas. Shield your PIN with your hand or body when entering it. Inspect the ATM carefully before inserting your card. Confirm your cash before leaving. If the machine doesn’t dispense it, cancel the transaction. Report any problems immediately to your bank.
What to Do If You’re a Victim
If cash trapping happens to you, act quickly:
Contact your bank immediately, giving details of the transaction: ATM location, time, and amount. Provide receipts or confirmation slips if available. The bank will usually review ATM logs and security footage to confirm the issue. Once confirmed, banks typically refund the trapped cash, sometimes within a few days.
💡 Pro Tip: Always monitor your account after using an ATM, and report any unusual activity promptly.
Cash trapping may seem rare, but it’s more common than most people realize. By staying vigilant and following a few simple safety steps, you can protect yourself and your money. Always trust your instincts—if something seems off at an ATM, walk away and find another machine.
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