Safeguard your Debit Card and PIN
- As soon as you receive your debit card, ensure that the card in the envelope has your name, and that it is spelt accurately. If there is any error, inform the Bank immediately.
- Sign on the reverse of the debit card immediately. This helps comparing your signature when you make payments at shops, hotels etc. Unsigned debit cards are more prone for fraud transaction in case of loss of the card.
- Keep the debit card in a safe place like your wallet or purse, where you can quickly notice if it is missing. Many times it is too late by the time debit cardholder come to know that the card is missing.
Note the contact numbers of the bank (like call centre number, your RM number, your branch service number). Make a diary note of your debit card numbers for any time reference.
- Do not hand-over your debit card to anyone, even if they claim to be representatives from your Bank.
Card skimming occurs when devices known as skimmers are used to copy card data. These are placed near the ATM's actual reader or at purchase terminals and used to capture data stored on the card. Such information is used to create a new cloned card, which is then used for purchases. The customer is unaware of any fraud till the transactions occur, as the customer still possesses the original card.
- The card should always be used / swiped with trusted merchants only. If you aren't sure of a merchant's credibility, make cash payments.
- If the debit card is to be cancelled, cut it in four pieces diagonally across the magnetic stripe and discard.
- This will ensure that the cancelled or expired card cannot be misused for counterfeit / skimming.
- Do not use a replacement debit card before the Primary Card is blocked.
- Don't expose the debit card to excessive heat or keep close to a magnetic field.
- Memorize your Personal Identification Number (PIN) and do not reveal it to anyone, not even your banker.
- Never write the PIN down on anything in your wallet or on the debit card itself.
- Consider using a different PIN or Password for different cards.
- In case someone else knows your PIN or other security information, we will, on your notifying us, take immediate steps to try and prevent these from being misused.
- When selecting a PIN, avoid numbers and letters that relate to your personal information. For example, don't use your initials, birthday and telephone number.
- Please change your ATM PIN once every 3 months.
- Deutsche bank will never ask your debit card & PIN as a collateral while sanctioning the loans.
Lost or Stolen Debit Cards
- If you observe any fraud transactions done on your debit card, inform the Bank immediately, we will block it.
- Block your debit card instantly by simply sending an SMS in the following format: <BLOCK> <last 4 digits of card>
to 561615. In case <BLOCK ALL> keyword is sent, all the linked debit cards will be blocked.
- You can also report the loss immediately by calling the Bank. The card will be blocked instantly. On the same call, you can also request for a new card to be sent to you.
- You will need to submit following self attested documents with your branch to raise insurance claim for any fraudulent transactions observed on your debit card
1. Completely filled Insurance Claim Form (this form can be obtained from your branch service team)
2. Copy of your Photo Identity Proof
3. Copy of FIR filed for loss of debit card and fraudulent transactions
4. Covering Letter, it should cover a brief on how you come to know about loss of your debit card, time and place of loss, what actions you have taken when you first observed loss of card / unknown transactions on your debit card
5. Bank statement showing fraudulent transactions attested by branch (this can be obtained from your branch service team).
Safe POS & Online Transactions
- When you use your debit card for purchases in shops, ensure it is swiped in your presence and not swiped on multiple devices.
- Ensure that your debit card number, card-expiry date and the three-digit security code on the back of the card (popularly known as CVV number) are not captured in writing anywhere. This can be done if you ensure debit card is swiped in front of you at all times. Ensure that the debit card you got back after a transaction is indeed yours, before putting it in the wallet. Many times, cards get exchanged at crowded merchant locations like petrol pumps and malls or busy restaurants.
- Make sure you are using a secure site while making payments through the Internet. Look for a lock icon in the status bar of your web browser. This icon indicates that a site is employing an encryption technology during the transmission of your sensitive data.
- For all your online Deutsche Bank Debit Card transactions you will receive one-time password (OTP) on your mobile number registered with the bank for verification purpose. Ensure that you keep your mobile number updated with the bank at all times.
- Avoid using your debit card for online transactions on unsecure public computers (e.g. internet cafes)
- Once you have completed your online transactions, remember to log-off by clicking on the "log-off" option.
- Close your browser and lock your computer if it is left idle.
Track your Account
- Register your mobile number and email id for alerts and remember to update it in the Bank's records, in case it changes.
- Check your bank account regularly. If you notice any transactions you do not remember having carried out, report the same immediately.
- Inform change of address to the Bank promptly.
Withdrawing Cash with Your ATM / Debit Card
- Deutsche Bank ATMs accept the following cards – Visa / Master / Cashnet / Rupay.
- All Deutsche Bank Debit Cards are Visa. Please check that the ATM accepts Visa/ Cashnet / Rupay issued cards, if you are using a non Deutsche Bank ATM.
- Insert your card and select a language. Many ATMs offer a variety of languages. Deutsche Bank ATMs by default use the English language only.
- Enter your Personal Identification Number (PIN). Follow the instructions displayed on the ATM screen to choose your account and the amount you wish to withdraw.
- Take care to ensure that no-one can see you enter your PIN when you use your card at ATMs or at Points of Sale (POS) counters.
- The terminal will immediately process the transaction, and money will be dispensed in the local currency. Depending on the services available at the ATM, you could choose to debit your account in your home currency and get cash in the local currency, while travelling abroad.
- Take your receipt if you have chosen to print one. Leaving your receipt at the ATM could give unintended access to your personal account information.
- The transaction amount will be automatically deducted from the selected savings / current account.
- Don’t forget to retrieve your ATM card from the machine after you are finished with your transaction. Please note all Deutsche Bank ATMs are dip card* machines.
- Know your daily withdrawal limit of funds.
*A dip card machine is where the card just needs to be dipped into the slot provided. The card does not get swallowed into the machine for processing. A non dip card machine will swallow the card for processing and once the transaction is over, the card will be ejected out of the machine.
Safety tips while using an ATM
- Be aware of your total environment and what is going on around you. Criminals tend to avoid people who have this type of demeanor.
- Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.
- Never accept offers of assistance with the ATM from strangers; ask the bank for help.
- During evening hours consider taking a companion along, park close to the ATM in a well lit area and lock your car. If the lights around the ATM are not working properly, do not use it.
- Do not wear expensive jewelry or take other valuables to the ATM. This is an added incentive to an assailant.
- Consider using an ATM in a well-lit location and preferably inside a bank branch or lobby or closer to the center of a building rather than the corner or back of a building where there may be blind spots.
- ATM freezing is when fraudsters resort to ATM keypad tampering. Due to this, the customer trying to withdraw cash is unable to do so as the machine has frozen. After the customer leaves, the fraudsters again tamper with the ATM and receive the cash meant for the customer.
- Maintain a supply of deposit envelopes at home or in your car. Prepare all transaction paperwork prior to your arrival at the ATM. This will minimize the amount of time spent at the machine.
- Have your card out and ready to use. Waiting until you get to the machine causes you to become distracted looking for the card. Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount. Ensure your transaction is complete and the card slot light is blinking green again.
- When you have completed your transaction, do not count your cash out in the open and be sure to put your card out of sight immediately. Never walk away from an ATM with cash still in hand. If you are going to count your money, do so at the ATM.
- When leaving an ATM location make sure you are not being followed. If you are being followed, drive immediately to a police station, crowded area, well-lit location or open business. Flash your lights and sound your horn to bring attention to your situation.
- When using an enclosed ATM that requires your card to open the door, do not let strangers follow you inside the ATM area.
- While many ATMs are available 24 hours a day, some may be open only during local business hours. To be on the safe side, plan your withdrawals ahead of time.
Recommendation from Regulator
- While making online transactions with debit card, user must only use card at established and reputed sites as there are less chances of card fraud on a reliable website
- Always ensure that the address of the website where transactions to be done, starts with "https://" and not "http://"
- Always perform online financial transactions from a secure computer system updated with latest security updates / patches, anti-virus and antispyware software and personal firewall
- Change your card PIN (Personal Identification Number) periodically
- Do not disclose any personal information online like your date of birth, billing address, etc., on the Internet because that can be misused in order to unlock your account password
- Never share card details over the phone or with anyone in person as it is easier way for others to get access to your debit card confidential information and make the online transactions
- Do not send card and account details through e-mail to prevent from malicious use by others
- Regularly check account statement related to the card and notify the card company in case of any discrepancy
- Ensure whether your card is enabled / disabled for International use, disable if it not necessary. Check with your bank for any additional options such as restricting the usage of cards on different payment channels viz., PoS / ATM / E-Commerce or Domestic / International usage time-to time through bank's own interface / app
- Never leave your card unattended
- Keep card help line phone numbers with you for any kind of assistance
Identity Scams - Be aware!
Criminals are well informed. Given below the different fraudulent methods practiced to steal money / account related information. Being prepared and knowing what to look for can help keep you from being a victim.
Skimming: Skimmers are devices used by criminals to capture data stored on the magnetic stripe of the ATM card. These devices are placed on or near the ATM’s actual card reader and are often difficult to detect. If anything about the card reader looks different or unusual, or if you see a sign asking you to swipe your card in a second reader, don’t use it. Notify police or your financial institution immediately.
Shoulder Surfing: This scam involves standing near or beside an ATM user in an effort to obtain a user’s personal identification number (PIN). Be aware of your surroundings and shield your PIN from onlookers view.
Fake PIN Pad Overlays: Fraudsters will use fake PIN pads placed over the actual keypad to capture your PIN as it is entered. Inspect the PIN pad on the ATM before you enter your PIN for anything unusual or if it appears to be easily removed. Alert bank personnel and/or police immediately if the PIN pad does not look correct.
Card Theft: Thieves use card trapping devices to obtain ATM cards. Fraudulent devices that may look like part of a card reader can be placed over the original card reader to trap the card for removal after you have left the ATM. If your card is not returned in case of a non dip card* machine after you have completed your transaction, do not re-enter your PIN number. Contact your bank immediately.
Cash Trapping: Criminals place false fronts on the cash presenter or the entire ATM to trap cash that is dispensed or deposited. Inspect the ATM for anything that seems unfamiliar and report any foreign objects found on the ATM to the bank and/or police.
Reporting fraudulent activity to the police and your bank will help deter criminal activity.