I had read about ATM scams being a problem in Cape Town, but as we disembarked the train from Simon’s Town, exhausted and cold, I didn’t remember any of the precautions I was supposed to. The ABSA ATM looked legit enough – it was your usual bank-attached, two kiosk, ATM.
I imaged an ATM scam happening at dingier, sketchier, not as centrally located ATM. Looking back, I guess the bus/train station is a usual place for theft, so we shouldn’t be too surprised it happened there.
As we entered the ATM, another man entered after us. I stood to the back, since Will was the one taking out cash. I saw the other man was holding 40 Rand like he was going to make a deposit – which was weird because 40 Rand is about $3.50. Two other men also entered the ATM – I thought to myself “we got here just before the rush.”
Will finished his transaction, and I walked past the men to leave. As we got to the door, the first man called out “wait! You have to cancel your transaction. You left it open. You have to put your card back in, or someone can take your money.”
Will turned to look at the ATM. It was flashing two options. He tapped the screen and then went to put his card back in. “You have to hold it up, sir. You have to hold the end up and put it in. Just tap it.” The man said. Will tried to insert the card as instructed but it would not go into the machine. “Let me show you,” said the man, and he put his hand on Will’s card. Will yanked the card away.
Will went back and forth with this man for a moment, the man offering help and Will keeping his card away from him. The next man in line chimed in, “He’s right. You have to cancel your transaction. Just put your card in, but you have to hold it up.” Will tried again. “No, you will break your card. Let me show you.” The second man reached for Will’s card and Will yanked it away.
“I think it’s canceled, let’s just go.” Will said. He motioned to the next man in line to do his business. “They’re right,” the third man said. “I wanted to make a deposit, but now I can’t because you haven’t canceled your transaction.” Will tried it one more time, again unable to insert the card. The THIRD man offered to help and put his hand on the card to take it. Again, Will yanked it away, stating firmly “I don’t need help.”
Suddenly, all three men disappeared. All I heard was a flip phone hitting the glass and breaking on the sidewalk.
“You’ve been robbed!” called a short man in a trenchcoat, holding a briefcase and a walkie-talkie. He said he was police (a CCID officer), observed we were being hassled, and had just called security from around the corner. I was initially a little suspicious, because the logo on his jacket was neon green, but indeed, the CCID is an arm of law enforcement in Cape Town.
It turns out we were not robbed. If you are still in physical possession of your debit card, the thieves can’t access your money. The police assured us that the men had our PIN – apparently there are ways for cell phones to read your PIN just by being in close proximity. But without the actual debit card, the PIN is worthless.
We were lucky. Many people aren’t. We ended up at the police station later that night to fill out a report, file attempted theft charges, and ID two men who were caught. Unfortunately, there were several other tourist couples at the station filing actual theft reports – they were not as lucky as we were. Hopefully our story will help others avoid similar situations. Be careful out there, and never let anyone touch your card!
The featured photo was taken from this Southern Courier article.