ATM a wɔhyɛ obi ma wɔtwe ne ho bere tiaa mu a wɔkyere nkurɔfo sie¶

An express kidnapping (known across Latin America as secuestro exprés and in South Africa, Europe, and North America as a forced ATM abduction or mobile banking holdup) is a hybrid crime that combines street robbery with short-term hostage-taking. Instead of simply grabbing a victim's wallet and running away, one or more armed perpetrators intercept a victim at an automated teller machine (ATM) vestibule, parking garage, rideshare/taxi pickup, or street corner and hold the victim captive for 15 minutes to several hours. During that window, the abductors either march or drive the victim from ATM to ATM to drain daily cash withdrawal limits, force the victim to unlock their smartphone with FaceID/TouchID or a passcode to execute instant peer-to-peer bank transfers (such as PIX, Zelle, Revolut, or crypto transfers), or hold the victim inside a vehicle past midnight so the bank's 24-hour ATM withdrawal limit resets for a second round of cash withdrawals.

Surviving a forced ATM robbery or express abduction requires understanding two distinct tactical phases. First, before an attacker ever gets you inside a vehicle or closed room, your highest priority is avoiding confined transport by dropping your wallet, unlocked cash, or car keys on the ground and escaping at the public primary scene if a gap exists. Second, if you are already surrounded, cornered inside an ATM vestibule, or held at gunpoint inside a moving vehicle, your survival depends on active, calm, choreographed compliance: convincing the nervous armed abductors that you are cooperating 100 percent to give them the money as fast as possible so they release you unharmed, while avoiding internet myths (like the false "reverse PIN" urban legend) that can get you killed.

--- .

Yɛ eyi mprempren¶

If an armed assailant confronts you at an ATM right now, demands your PIN and smartphone passcode, or forces you to withdraw cash or transfer funds, execute these six steps immediately:

1. Raise both hands with open palms visible, lower your gaze slightly, and state immediately that you will cooperate completely: Keep your hands at chest level where the robber can see your fingers, avoid staring directly into their eyes (so you cannot be accused of memorizing their face), and speak in a calm, slow, steady tone: "I am not going to fight you. You can have the cash and the phone. Tell me what you want me to do and I will do it slowly."
2. Announce every single hand movement BEFORE reaching into a pocket, purse, or jacket: Armed robbers during an ATM holdup are terrified that you are reaching for a concealed handgun or activating a police panic button. Before moving a hand toward your wallet or phone, narrate the movement out loud: "My wallet and debit card are in my front left pants pocket. I am going to reach in slowly with two fingers right now."
3. Give your real ATM PIN and real smartphone unlock passcode immediately (NEVER attempt the fake "Reverse PIN" internet myth): If the robber demands your PIN or orders you to type it into the keypad, enter your true PIN cleanly on the first try. Do not type your PIN backward hoping it will silently summon the police (no bank or ATM network on earth has a "reverse PIN" alarm feature; entering a backward PIN simply triggers an "Incorrect PIN" error screen on the ATM monitor, which convinces an armed robber that you are lying to them and provokes immediate violence).
4. If the robber only wants your wallet, cash, or phone on the street, toss it away from yourself and never enter a vehicle if you have an escape path: If an assailant on a sidewalk or parking lot demands that you get into a car to drive to an ATM, do not get into the vehicle if there is any way to run. Pull out your cash, cards, and phone, drop or toss them onto the pavement toward the attacker's feet, say "Here is my card and my PIN is [XXXX], take the car and everything," and sprint toward a crowded street, store, or traffic.
5. If already held captive inside a vehicle or taken to multiple ATMs, become a "Low-Friction, High-Transparency" hostage: If you are already trapped inside a car with armed abductors, do not argue, do not lecture them, and do not try to hide a second bank card in your shoe (if they search you and find a hidden card after you claimed you had none, they will assume you are deceiving them). Show them your actual mobile banking screen if your daily limit is reached so they can see with their own eyes that the bank system, not you, is blocking further withdrawals.
6. Keep your head down and walk away without looking back when released, then enter a staffed building to call emergency dispatch: When express kidnappers release a victim on a dark road or street corner, they always order the victim to keep their eyes on the ground and not turn around to read the license plate. Obey that instruction completely until the car is out of sight, then run inside the nearest staffed business or residence and call your local emergency number (911 in the United States and Canada, 112 across the European Union, 999 in the United Kingdom) or check our nɔma ahorow a egye ntɛmpɛ directory.

--- .

Forced ATM robbery and express abduction survival decision tree¶

Use this tactical flowchart to navigate an armed confrontation at a cash machine, street holdup, or short-term vehicular abduction.

flowchart TD
    Encounter["Armed Assailant Confronts You at ATM, Parking Lot, or Rideshare/Taxi"] --> LocationType{"1. Where is the confrontation happening right now?"}
    LocationType -->|"A. At an ATM Walk-Up or Drive-Thru (Assailant Demands Cash/Card)"| ComplyATM["Raise Open Hands; Avert Direct Eye Contact; Narrate Reaching for Card; Enter REAL PIN Cleanly"]
    LocationType -->|"B. On Foot in Public & Assailant Orders You Into a Car to Drive to an ATM"| RefuseCar["NEVER Enter Vehicle if Escape Path Exists: Drop Wallet/Phone, State PIN Aloud, and Sprint to Crowd/Traffic"]
    LocationType -->|"C. Already Trapped Inside Moving Vehicle or Surrounded by Armed Crew"| HostageMode["Adopt Calm, Low-Friction Compliance: Keep Hands Visible on Knees; Speak Slowly; Never Argue"]
    ComplyATM --> CashOut["Withdraw Requested Cash; Hand Over Cash/Card/Phone Without Sudden Moves; Step Back and Let Them Flee"]
    HostageMode --> DemandType{"2. What is the abductor demanding inside the vehicle?"}
    DemandType -->|"ATM Cash Withdrawals"| ShowScreen["Give Real PIN; If Daily Limit Blocks Withdrawal, Show ATM Receipt or App Limit Screen So They Know You Are Not Lying"]
    DemandType -->|"Smartphone App Transfer (Zelle, PIX, Revolut, Crypto)"| UnlockApp["Bue Telefon no mu Dwo; Kyerɛkyerɛ Bank Security Delay Timer Biara mu pefee Enti Assailant Rento Wo Sobo"]
    ShowScreen --> ReleasePhase["3. Bere a Woregyae: Ma W’ani Si fam Sɛnea Wɔahyɛ no; MMFA NHYƐ NHWEHWƐ NHYEHYƐE NHWEHWƐ Kar no Krataa Kosi sɛ Kar Befi"]
    UnlockApp --> ReleasePhase
    CashOut --> SafeReport["Hyɛn Ɔdan a Adwumayɛfo Te mu; Frɛ 911 / 112 / 999 Di kan, Afei Frɛ Bank Fraud Desk na Freeze Accounts"]
    RefuseCar --> SafeReport
    ReleasePhase --> SafeReport

--- .

Sɛnea nkurɔfo a wɔkyere nkurɔfo sie ntɛmntɛm ne mobile-banking adwowtwa a wɔhyɛ no yɛ adwuma wɔ wiase nyinaa¶

Sɛ wote nsɛmmɔnedifo mfiridwuma a ɛfa nnipa a wɔkyere wɔn sie bere tiaa bi ho ase a, ɛboa wo ma wuhu nhyehyɛe no ansa na wɔabɔ wo wɔ kɔntɔnkrɔn na wote nea wɔn a wɔyɛ saa no rebɔ mmɔden sɛ wɔbɛyɛ sɛnea ɛbɛyɛ a wubetumi anya nkwa wɔ nhyiam no ase.

--- .

Psychological and physical survival if held captive during an express abduction¶

Sɛ wowɔ kar mu dedaw anaasɛ wɔn a wɔkyere nkurɔfo sie ntɛmntɛm de atuo akyerɛ wo a, simma 3 a edi kan no na ɛyɛ nea ɛyɛ basaa sen biara. Ɛkame ayɛ sɛ bere nyinaa na wɔn a wɔkyere nkurɔfo sie ntɛmntɛm no yɛ adwuma wɔ bere nhyɛso a emu yɛ den mu, polisifo a wɔwɛn hɔ no ho adwenem naayɛ, na mpɛn pii no wɔnom nsa a ɛkanyan obi. Di suban ho mmara asia yi a wɔn a wɔyɛ nnommum nkwagye ho abenfo a wɔwɔ U.S. Ɔman Dwumadibea a Ɛhwɛ Amannɔne Ahobammɔ Ho Afotufo Bagua (OSAC) ne amanaman ntam polisifo akuw a wɔkyere nkurɔfo sie no kyerɛkyerɛ no akyi:

1. Dwumadie "Total Submissive Predictability" wɔ Sekan 60 a Edi Kan no mu¶

• Ma wo nsa nhu wɔ wo nkotodwe anaa w’asen atifi: Sɛ wɔhyɛ wo ma ɔtra kar bi akyi nkongua anaa fam kyerɛwpon so a, fa wo nsa abien no nyinaa to wo nsateaa so anaa wo nsateaa so wɔ wo nkotodwe atifi baabi a ɔwɛmfo a okura akode no betumi ahu a ɔmmɔ mmɔden.
• Ma w'ani nkɔ fam ("Chin-Down, Eyes-on-Floor" Mmara): Nnipa a wɔkyere nkurɔfo sie a wɔyɛ adwumaden ne wɔn a wɔnyɛ adwumaden no yɛ basabasa bere a wogye di sɛ obi a wɔafa no dommum rehwɛ wɔn anim, wɔayɛ tattoo, anaa abɔnten so nsɛnkyerɛnne a ɛwɔ mfɛnsere akyi de ahu wɔn akyerɛ polisifo akyiri yi no. Fa brɛoo hwɛ fam kyerɛwpon, anim nkongua no akyi, anaa w’ankasa wo nsa. Sɛ wɔka kyerɛ wo sɛ twe wo jacket hood no fa w’anim anaasɛ fa ahwehwɛ tuntum hyɛ wo a, di so ntɛm ara.
• Hwɛ wo home ne wo nne nne so: Ehu, nteɛteɛm, anaa mframa a ɛboro so ma obi a okura akode a okura tuo fi wo ti so wɔ sɛntimita 30 (nsateakwaa 12) no kanyan. Fa wo hwene mu home sikɔne 4 na fa w’ano home brɛoo sikɔne 6, na fa nne a ɛyɛ komm, obu, tiawa bua asɛmmisa biara.
• Memorize passive sensory clues without moving your head: Bere a wode w’ani si wo nkotodwe anaa fam board no so no, wubetumi ahyɛ forensic clues a ɛnyɛ nea wotumi hu a ɛboa polisifo ma wodi wɔn a wɔkyeree sie no akyi dwoodwoo bere a wɔayi wɔn afi afiase: kar no mu nneɛma a wɔayɛ ne emu kɔla, sɛ́ ebia kar no wɔ manual anaasɛ automatic transmission, radio stations anaa dispatch chimes a ɛrebɔ, ɔkwan no ani a ɛsakra (highway expansion nkwaa, aboɔden abo, abotan, keteke kwan, anaa dɔn a wɔde tow tow), abodin anaa nnyigyei a adwumayɛfo no de di dwuma, ne dɔn no bere nsɔano pɔtee a ɛwɔ ATM screen ahorow so bere a wɔayi sika no.

2. Sɛnea Wobedi "Daily Limit Reached" anaa "Insufficient Funds" ho dwuma a Wɔmmɔ Wo Sobo sɛ Woadi Atoro¶

Mmere a ɛyɛ hu sen biara wɔ bere a wɔkyere nkurɔfo sie ntɛmntɛm no mu biako ne bere a wɔn a wɔkyere nkurɔfo sie no hwehwɛ \(5,000 fi ATM hɔ, wode wo debit card ne nokware PIN ma wɔn, na ATM no pow sika a wobeyi no efisɛ wo kaad no wɔ **\)500 da biara da ATM sika a wobeyi** anaasɛ $300 pɛ wɔ checking account no mu. Nsɛmmɔnedifo a wokurakura akode taa fa no sɛ nea wɔayɛ no bɔne no de atoro PIN maa wɔn anaasɛ ɔde sikakorabea krataa a ɛkari pɛ resie.

Fa Visual Proof Transparency di dwuma de kyerɛ sɛ woreka nokware:

1. Bɔ wɔn kɔkɔ wɔ sikakorabea no automated machine anohyeto ho ANSA na kaad no akɔ ATM no mu:
2. Ka no brɛoo sɛ: "Me PIN yɛ [1234]. Sɛnea ɛbɛyɛ a wubehu ansa na wode kaad no ahyɛ mu ara kwa no, me sikakorabea de sika afiri anohyeto a ɛyɛ adwuma da biara da $500 si hɔ wɔ saa debit kaad yi so, na bɛyɛ $1,200 wɔ checking account no mu. Mepɛ sɛ wunya ne nyinaa, enti sɛ afiri no pow $1,000 a, sɔ $500 anaa $400 hwɛ."
3. Kɔkɔbɔ a wode bɛma nea ɔkyeree no ansa na ATM no bɛhyerɛn "Transaction Declined" no kyerɛ sɛ worekyerɛkyerɛ wɔn ma wɔadi nkonim sen sɛ wobɛdaadaa wɔn.
4. Fa ma sɛ wobɛkyerɛ ATM sika a aka ho nsɛmmisa krataa a wɔatintim anaa mobile banking screen:
5. If the captors suspect you have more money hidden in the account, say: "You can press 'Balance Inquiry' on the ATM screen or look right here at my bank app screen so you can see the exact balance and the daily card limit yourself."
6. Never hide a second wallet or high-value phone if they ask if you have anything else:
7. While carrying a low-limit "decoy wallet" works well in a 10-second street mugging where the mugger grabs the wallet and runs, during a 60-minute express kidnapping inside a car, the abductors will thoroughly pat down your pockets, jacket lining, ankles, and bag. If you hand over a decoy wallet and they find your real wallet or phone three minutes later during a pat-down, they will punish you for deceiving them. If searched inside a vehicle, surrender everything cleanly and explain which card has available funds.

3. If Forced to Call a Family Member for a Quick "Express Ransom" Transfer¶

In some express kidnappings, if the victim's ATM card has a low limit, the abductors tell the victim to call a spouse, parent, or business partner on speakerphone to wire or drop off $1,000 to $5,000 within an hour.

• Keep your family member calm on the phone: Speak clearly and evenly to your spouse or parent: "Listen to me carefully and stay calm. I am safe right now, and I need you to transfer [Amount] to [Account] right away so I can come home. Please do exactly what they ask and do not argue."
• Follow the captors' script: Never try to speak obvious theatrical code words if the captor is holding the phone at your mouth and listening to every syllable.

4. The Release Moment: Avoiding Injury in the Final 30 Seconds¶

Statistically, the overwhelming majority of express kidnappings end with the victim being dropped off unharmed along a dark road, industrial park, or highway shoulder once the ATM cards and banking apps are drained.

1. Fi kar no mu brɛoo a wo nsa da adi: Mfa bolt anaa mmɔ ɔpon no mu ansa na wɔaka akyerɛ wo sɛ kɔ.
2. Di "Nantew Kɔ Ɔfasu no So na Kan Kodu 50" Ahyɛde no so: Ɛkame ayɛ sɛ wɔn a wɔkyere nkurɔfo sie no ka bere nyinaa sɛ: "Fi adi, hwɛ saa ɔfasu no mu / nantew kɔ saa nnua no mu, ma w'ani ntra fam, na nsan nkɔ fam simma abien." Di akwankyerɛ yi akyi kosi krataa no so. Sɛ wodan wo ti wɔ sikani 3 akyi bere a woafi kar no mu akɔ anim ahwɛ wɔn akyi tumi krataa a ɛwɔ breki akanea ase no yɛ ɔkwan a ɛyɛ ntɛm sen biara a wɔfa so kanyan obi a wakyere nkurɔfo a ehu aka no ma watow tuo a ɛbɛma watetew mu afi mfɛnsere mu.
3. Twɛn kosi sɛ wobɛte sɛ kar no retu mmirika koraa afi aso mu, afei nantew ntɛmntɛm kɔ pɛtro adwumayɛbea a ɛbɛn hɔ a kanea wom, ahɔhodan, sotɔɔ a wɔtɔn nnɔnhwerew 24, anaa ofie a akanea asɔ mu na frɛ 911 / 112 / 999.

--- .

Drive-thru ATM holdups vs. nantew-kɔ ATM vestibule afiri¶

Sɛ́ ebia wode ATM a wɔde kar fa mu fi wo ofirikafo nkongua so bedi dwuma anaasɛ wobɛkɔ sikakorabea abrannaa so ATM a ɛwɔ dan mu mu no, nsɛmmɔnedifo de mfiri pɔtee bi a ɛma anifurae di dwuma wɔ sikɔne 45 a w’ani da screen a ɛhyerɛn no so no mu.

Sɛnea wode Drive-Thru ATM bedi dwuma a worenkɔ adaka mu¶

Mpɛn pii no, wɔde kɔnkrit apon atenten, akwan teateaa a ɛwɔ abɔnten so, ne adan a ɛsensɛn ATM ahorow a wɔde kar fa mu no ho ahyia a ɛma ɛyɛ mmerɛw sɛ adwowtwafo a ɔnam fam anaa ɔte kar a ɛto so abien mu sɛ ɔbɛkyere wo kar bere a sika a wɔde ma no rebɔ gyegyeegye no ara pɛ:

1. Scan ATM supɔw no ne afã ahwehwɛ ANSA na wobɛtwe akɔ kɔnkrit chute no mu: Sɛ wuhu sɛ obi a ɔnam fam no rekyinkyin wɔ baabi a ɛbɛn ATM no ntwea so anaasɛ ɔte ɔkwan a ɛda fam a kar biara nni mu so, anaasɛ kar bi a ɛnyɛ adwuma wɔ sikakorabea no ntwea a ɛyɛ sum a nnipa pii rehwɛ kwan no so a, ntwe nkɔ drive-thru lane no mu. Kɔ so fa kar kɔ sotɔɔ a wɔtɔn nnuan anaa baa dwumadibea awiabere.
2. Siesie wo kaad wɔ wo nsam ANSA na wobɛbɛn afiri no: Mma ntwe nkɔ ATM mfɛnsere no so da, dan kɔ Park, na fa sikɔne 60 hwehwɛ wo sika kotoku anaa mfinimfini console no mu a wo ti akɔ fam. Fa wo kaad no hyɛ wo nsa benkum mu ansa na woahyɛne kwan no so.
3. Ma wo transmission no nkɔ DRIVE mu na wo nan si breki pedal so denneennen: Mfa wo kar no nkɔ Park mu da wɔ drive-thru ATM so. Sɛ wode transmission no kɔ Drive mu a woato w’apon mu na woabobɔw akwantufo mfɛnsere koraa a, ɛkyerɛ sɛ sɛ obi de akode fi ATM bollard no akyi fi adi a, nea ɛsɛ sɛ woyɛ ara ne sɛ wobɛma wo nan so afi breki no so na woamia accelerator no so na woaka kar no afi chute no mu tẽẽ (wogyaw wo $3 debit card no wɔ afiri no mu).
4. Twe bɛn no nkutoo sɛnea ɛbɛyɛ a wode wo nsa benkum betumi adu ho, na gyaw stia no kwan: Mfa kɔnkrit bollard no atuu denneennen araa ma w’afã ahwehwɛ no ne ɔfasu no ntam kwan yɛ sɛntimita 2; gyaw baabi a ɛyɛ sɛntimita 45 (nsateakwaa 18) wɔ nkyɛn na ma wo kar no hwene nkɔ baabi a kar biara a ɛwɔ w’anim no nkɔ.

Sɛnea wode Walk-Up anaa Enclosed Vestibule ATM bedi dwuma dwoodwoo¶

1. "Nnipa Baanu Vestibule" Mmara: Glass bank vestibules a ɛhwehwɛ sɛ wɔde card swipe na ɛbue abɔnten pon no ma wonya ahobammɔ ho atoro efisɛ ɔsɛmmɔnedifo biara a okura bank card a ne bere atwam, akyɛde card a magnetic stripe wɔ so, anaasɛ ɔkyere ɔpon no ara kwa wɔ w'akyi no betumi anantew akɔ mu pɛɛ Sɛ wo nkutoo wɔ ATM vestibule a wɔato mu mu na ɔhɔho bi twe ɔpon no bue na ɔde ne nan hyɛ mu a w'akyi, mia CANCEL safoa kɔkɔɔ no so ntɛm ara, twe wo kaad no san kɔ wo kotoku mu, ka sɛ "Kɔ w'anim, afiri no nyinaa yɛ wo dea," na nantew fi adi tẽẽ kɔ kwan no so ansa na woakyerɛw wo PIN.
2. Hwɛ Card Slot ne Keypad no mu sɛ Skimmers ne Shimmers: Ansa na wode wo card no bɛkɔ ATM biara mu no, fa wo nsateaa kɛse ne wo nsateaa a ɛkyerɛ sɛnea wopɛ no fa plastic ahabammono anaa dwetɛ card-reader bezel no na ma no twe denneennen. Wɔde bank card slot a ɛfata abɔ dade chassis no mu denneennen; nsɛmmɔnedifo card skimmer a wɔde gluu abɔ slot no so no bɛwosow anaasɛ ɛbɛpue wɔ wo nsam, na wɔtaa de atoro pinhole camera bar bi teyp so wɔ screen no atifi pɛɛ de kyere wo nsateaa a ɛrekyerɛw wo PIN no. Bere biara a ɛwɔ hɔ no, fa Contactless NFC Tap Symbol (bɔ wo honam fam kaad anaa Apple/Google Pay fon no so tia NFC akenkanfo no) sen sɛ wode wo honam fam kaad no bɛhyɛ baabi a wɔde mfiri ayɛ no mu, na ɛmma ɛnyɛ yiye sɛ afiri no anaa skimmer bi bɛmene anaasɛ ɔbɛma wo kaad no ayɛ clone.

--- .

Digyital ne sikasɛm mu nkyekyɛmu a wɔde di dwuma ansa na wɔretu kwan ("Express Kidnapping Proofing")¶

Sɛ wote nkurow akɛse mu, woyɛ adwuma wɔ hɔ, anaa wotu kwan kɔ nkurow akɛse mu, titiriw wɔ mmeae a ATM adwowtwa, moped telefon a wɔfa, anaasɛ nkurɔfo a wɔkyere nkurɔfo sie ntɛmntɛm no dodow kɔ soro a, wubetumi asiesie wo smartphone ne sikakorabea akontaabu wɔ simma 15 mu wɔ fie sɛnea ɛbɛyɛ a sɛ wɔwia wo na wɔhyɛ wo sɛ wubue wo fon ne debit card a wode tuo kyerɛ mpo a, sika a wode sie wo nkwa nna mu ɔha biara mu nkyem 95 bɛkɔ so ayɛ nea wontumi nhu koraa na nea wontumi nka ho.

5-Anamɔn "Clean Street Phone & Vault Akontaabu" Nhyehyɛe no¶

• 1.1. Kyekyɛ Wo Sika mu yɛ no "Abɔnten so Nhwehwɛmu Akontaabu" ne "Vault Sikakorabea/Brokerage Akontaabu" a Ahintaw:
• Bue sikakorabea a ɛnyɛ den, a wontua hwee wɔ sikakorabea a ɛyɛ soronko (anaasɛ akontaabu ketewa a ɛto so abien a wobetumi de asie wo mobile dashboard so) na fa $300 kosi $800 pɛ sie saa "Abɔnten Akontaabu" no mu, a ɛne honam fam debit kaad biako a wode gu wo sika kotoku mu no wɔ abusuabɔ.
• Fa w’asetena mu sikakorabea titiriw, sika a wode sie ntɛm, ofie sika a wode tua ho ka, ne sika a wode bɛto mu no sie wɔ sikasɛm asoɛe a ɛtetew koraa a ne debit cards da so ara wɔ sikakorabea wɔ fie na WƆNNHYƐ ne mobile app wɔ wo da biara da smartphone so (kɔ wo sikakorabea titiriw no fi laptop anaa tablɛt a wɔde asie wɔ fie nkutoo so).
• Nea enti a eyi yɛ nkwaseasɛm: Sɛ obi a ɔkyere wo sie hyɛ wo sɛ fa tuo bue wo fon no na obue wo sikakorabea app no ​​a, wohu checking account ankasa a ɛyɛ nnam a $650 wɔ mu na wɔmmɔ wo sikakorabea titiriw no ho asɛm biara. Sɛ mpo wɔhwɛ wo email anaa text messages a, yi email/SMS alerts dedaw a ɛka wo vault bank ho asɛm no fi hɔ.
• 2.1. Ma "Mfiri a Woawia Ahobammɔ" (iPhone iOS 17.3+) ne Biometric App Locks (Android) nyɛ adwuma:
• Wɔ iPhone so: Kɔ Nsiesiei > Face ID & Passcode > Stolen Device Protection na dan no ON (wɔde si "Bere nyinaa" bere a woretu kwan no). Wei de dɔnhwerew 1 ahobanbɔ a ɛkyɛ a ɛyɛ ahyɛde ka ho ne biometric scan a ɛto so abien sɛ obi bɔ mmɔden sɛ ɔbɛsesa wo Apple ID password, adum Find My, anaasɛ ɔbɛpopa wo ahobammɔ safe no afi fie a.
• Wɔ Android so: Ma Theft Detection Lock, Offline Device Lock, ne Private Space nyɛ adwuma wɔ Settings > Security & Privacy mu ma enti wɔde apps a ɛho hia asie wɔ encrypted container a ɛyɛ soronko a ɛnpue wɔ wo app drawer titiriw no so.
• 3.1. Fa Wo Daa ATM & Instant Transfer Limits no to fam wɔ Wo Banking App mu:
• Aman pii (sɛ nhwɛso no, Brazil Central Bank mmara a ɛfa PIX, UK sikakorabea apps, ne U.S. sikakorabea dashboards) ma wo kwan ma wode Nighttime Transfer Limit a wɔahyɛ da ayɛ (sɛ nhwɛso no, wobɛto sika a wode bɛkɔ 8:00 PM ne 6:00 AM ntam no ano wɔ $200) ne anohyeto a ɛfa sika a wode bɛkɔ ATM da biara da ho.
• 4.1. ATM Vestibule Tebea Ho Nsɛm Ho Mmara:
• Fa ATM ahorow a ɛwɔ nnwuma a wɔabue mu MU nkutoo (te sɛ sikakorabea baa dwumadibea a adwumayɛfo wɔ mu awiabere, wɔ aguadidan kɛse a nnipa pii fa mu mu, anaa ahɔhodan bi abrannaa mu), na fa ATM a ɛhwɛ abɔnten a wotumi nantew kɔ hɔ anaa ahwehwɛ a wɔato mu da anadwo dasum.
• Fa wo nsa a wode ma kwa no kata keypad no so bere biara a wobɛkyerɛw wo PIN no de asiw pinhole cameras ne shoulder-surfers kwan.
• Fa wo sika no to wo kotoku mu ANSA na wobɛkan na twe wo ho fi afiri no ho ntɛm ara; wunnyina kwan ho da nkan $20 sika a ɛwɔ wo nsam.

--- .

Nea ɛsɛ sɛ woyɛ wɔ simma 30 a edi kan bere a woaguan anaasɛ wɔagyae wɔn no mu¶

Sɛ wokɔ ɔdan a adwumayɛfo wom mu dwoodwoo a polisifo wɔ kwan so pɛ a:

1. Frɛ 911 / 112 / 999 kan: Ma dispatcher no wo mprempren beae a ahobammɔ wɔ, beae pɔtee ne bere a wɔkyeree wo, mmeae a ATM biara a wɔde wo kɔɔ (ATM biara wɔ high-resolution timestamped pinhole face cameras ne abɔnten so mfoninitwa mfiri a ɛkyere wɔn a wɔkyeree wo ne kar no), ne nkyerɛkyerɛmu a ɛfa wɔn a wosusuw sɛ wɔkyeree wo ne kar no ho.
2. Frɛ wo sikakorabea no Nnɔnhwerew 24 Fraud & Emergency Duress Hotline ntɛm ara:
3. Ka kyerɛ sikakorabea ananmusifo no pefee sɛ: "Ná meyɛ obi a wɔde akode kyeree me kɛkɛ / wɔhyɛɛ me ma wɔfow me ATM wɔ honam fam nhyɛso ase. Yɛsrɛ sɛ fa me akontaabu, kaad, ne intanɛt so sikakorabea kwan nyinaa nhyɛ nwini ntɛm ara, na fa frankaa nhyɛ ATM sika a woyi ne wire/P2P a wɔde kɔ baabi foforo a wɔayɛ wɔ [Bere a Wɔde Fi Ase] ne [Bere a Ɛba Awiei] ntam no nyinaa ho sɛ Akode a Wɔhyɛ no Nsisi."
4. Nya Police Report / Crime Reference Number a ɛyɛ mmara kwan so de na fa kɔma wo sikakorabea no nsisi nhwehwɛmu adwumayɛbea. Wɔ sikakorabea ho mmara a ɛfa adetɔfoɔ sikakorabea ho wɔ aman dodoɔ no ara mu (te sɛ Mmara E a ɛwɔ Ɛlektrɔnik Sika a Wɔde Kɔma Mmara a ɛwɔ United States, UK Katua Dwumadibea Mmara, ne EU PSD2 nhyehyɛeɛ) ase no, kɔmputa so sika a wɔde kɔ amannɔne a wɔmma ho kwan, a nnwuma a wɔhyɛɛ adetɔfoɔ bi honam fam wɔ tuo anaa sekan mu sɛ ɔmfa kaad mma anaa ɔmfa PIN nkɔhyɛ mu wɔ nhyɛsoɔ mu ka ho no, fata sɛ wɔtua no ntɛm ara nsisi ho ka berɛ a wɔde afiri a wɔagye atom gyina akyi polisifo adwowtwa ho amanneɛbɔ.
5. To wo SIM card no mu na sesa account passwords fi kɔmputa a ɛho tew so: Sɛ wɔn a wɔkyeree wo no faa wo smartphone a, bisa wo mobile carrier no sɛ ɔnhyɛ wo fon nɔma / eSIM no freeze ntɛm ara sɛnea ɛbɛyɛ a akorɔmfo no ntumi nnya 2FA SMS codes mfa nsan nsiesie wo email anaa bank passwords, na fa telefon no to Lost Mode mu denam iCloud anaa Google Find My Device so.

--- .

Nsɛm a wɔtaa bisa¶

So me ATM PIN a mɛkyerɛw akɔ akyi no frɛ polisifo komm ankasa sɛ wɔrewia me a?¶

Dabi, "reverse PIN" afiri no yɛ intanɛt anansesɛm a edi mũ a enni sikakorabea anaa ATM ntam nkitahodi biara mu wɔ wiase baabiara. Ɛwom sɛ obi a ɔyɛɛ adwene no nyaa adwene no ho tumi krataa wɔ 1990 mfe no mu de, nanso sikakorabea mmarahyɛfo ne mmarahyɛ baguafo powee efisɛ wɔn a wɔayɛ wɔn basabasa no yɛ mfomso wɔ keypad so, palindromic PIN ahorow (te sɛ 2552) yɛ pɛ wɔ akyi, na sɛ wɔtwɛn polisifo wɔ ATM a, ɛde wɔn a wɔafa wɔn nnommum bɛto asiane mu. Sɛ ɔkorɔmfo bi a okura akode hyɛ wo sɛ fa wo PIN hyɛ ATM mu na wokyerɛw no kɔ akyi a, afiri no bɛbɔ bip kɛkɛ na ada "PIN a ɛnteɛ" adi, na ɛno ma ɔkorɔmfo a okura akode no gye di sɛ woredi atoro akyerɛ wɔn na ɛde wo nkwa to asiane kɛse mu. Kyerɛw wo PIN ankasa no yiye bere nyinaa wɔ akode nhyɛso ase, na ma polisifo ne wo sikakorabea no nsisi dwumadibea no nnye sika no bere a woanya ahobammɔ no.

Sɛ adwowtwafo bi a okura akode wɔ abɔnten so anaa baabi a wɔde kar sisi hyɛ me sɛ memfa kar nkɔ ATM bi mu a, dɛn na ɛsɛ sɛ meyɛ?¶

Sɛ woda so ara wɔ abɔnten wɔ abɔnten, kwan ho, anaa baabi a wɔde kar sisi na wowɔ honam fam kwan biara a wobɛfa so atu mmirika a, ntra kar a wo ne obi a ɔde akode tow hyɛ wo so da. Sɛ wokɔ kar a ɛretu a apon a wɔato mu mu pɛ a, nea ɔkyere wo sie no tumi di wo so koraa nnɔnhwerew pii na obetumi de wo akɔ beae a ɛto so abien a atew ne ho. Mmom no, twe wo sika kotoku, debit card, ne telefon, tow gu fam kɔ ​​ɔtowhyɛfo no nan so, teɛm pefee sɛ: "Me kaad ni na me PIN yɛ [XXXX], fa biribiara," na tu mmirika ntɛm ara kɔ sotɔɔ a nnipa ahyɛ hɔ ma, abɔnten a nnipa pii fa so, anaa kar a ɛreba so bere a woteɛm sɛ "OGYA."

Mɛyɛ dɛn ama wɔn a wɔkyere nkurɔfo sie ntɛmntɛm no agye adi sɛ menni atoro sɛ me ATM kaad pow sika kɛse a wobeyi esiane da biara da anohyeto nti a?¶

Ɔkwan a ahobammɔ wom sen biara ne proactive transparency ansa na asɛm no adi nkogu: ka wo PIN ankasa kyerɛ wɔn a wɔkyere nkurɔfo sie no na di kan bɔ wɔn kɔkɔ nea wo sikakorabea no automatic daily ATM machine limit yɛ (sɛ nhwɛso no, "Me PIN yɛ 4812, na me sikakorabea caps mfiri a wɔde yi sika $500 da biara, enti yɛsrɛ wo kyerɛw $500 sɛnea ɛbɛyɛ a afiri no rempow"). Sɛ afiri no pow sika a ɛboro so a, ka sɛ wobɛtintim krataa a ɛkyerɛ sɛ woabisa sika a aka anaa wobɛkyerɛ wɔn wo mobile banking app screen no sɛnea ɛbɛyɛ a wɔde wɔn ankasa ani betumi ahu sɛ sikakorabea no kɔmputa anohyeto, sen sɛ wobɛyɛ nnaadaa, na esiw sika a wobeyi afi mu no kwan.

Mɛyɛ dɛn atumi abɔ sika a mede asie wɔ m’asetra mu no ho ban ansa na matu kwan anaasɛ makɔ baabi a wɔhyɛ nkurɔfo ma wɔfow mobile-banking?¶

Fa sikakorabea abien kyekyɛ nhyehyɛe ansa na woafi fie: fa honam fam debit card biako a ɛbata "Street Checking Account" a ɛkura $300 kosi $800 pɛ, na fa saa sikakorabea no app nkutoo sie wo da biara da smartphone so. Fa wo nkwa sika a wode asie titiriw, sika a wode asie ntɛm ara, ne sika a wode asie no sie "Vault Bank" a ɛyɛ soronko koraa a ne kaad ahorow no da so ara wɔ fie na wɔapopa ne mobile app afi wo smartphone so koraa. Sɛ wɔhyɛ ɔkorɔmfo no ma ɔde tuo bue wo fon no mu a, wo mmɔnten so akontaabu a ɛkari pɛ no nkutoo na odwowtwafo no hu bere a sika a wode asie ankasa no da so ara yɛ nea wontumi nhu na wontumi nkɔ hɔ no.

--- .

Sources a wɔhwɛɛ mu¶

• United States Ɔman Dwumadibea, Amannɔne Ahobammɔ Afotufo Bagua (OSAC) ne Amanaman Ntam Ahobammɔ Dwumadibea (DSS, United States): Nkwagye Ho Akwankyerɛ a Ɛfa Nnipa a Wɔkyere Wɔn Sie Ntɛmntɛm ("Secuestro Exprés") Nkwa Ho Akwankyerɛ, ATM Ahobanbɔ wɔ Amannɔne, ne Nnipa a Wɔfa Wɔn Nnommum Abrabɔ Ho Nhyehyɛe.
• Federal Bureau of Investigation (FBI) ne Federal Trade Commission (FTC, United States): ATM Adwowtwa a Wosiw Ano, Ɛlektrɔnik Sika a Wɔde Kɔma Mmara (Mmara E) Nhyɛso Ahobammɔ, ne Reverse-PIN Atosɛm a Wɔbɛbɔ no Bun.
• South Africa Sikakorabea Asiane Ho Amanneɛbɔbea (SABRIC) ne South Africa Polisifo Dwumadibea (SAPS): ATM Nsɛmmɔnedi a Wosiw Ano, Mobile Banking App Kidnapping a Wɔhyɛ Wɔn Ma Wɔn a Wɔko tia, ne Digital Limit Controls.
• Ɔman Polisifo Panyin Bagua (NPCC) ne UK Sikasɛm (United Kingdom): Abɔnten so Adwowtwa, Biometric Smartphone Unlock Coercion, ne Sikakorabea Adetɔfo Nhyɛso Reimbursement Gyinapɛn.
• Inter-American Development Bank (IDB) ne Amanaman Nkabom Dwumadibea a Ɛhwɛ Nnubɔne ne Nsɛmmɔnedi So (UNODC): Nneyɛe Pa a Wɔde Ko Tia Kidnapping Nhoma: Bere Tiaa mu Abduction ne Express Kidnapping De-Escalation.

--- .

Akwankyerɛ ahorow a ɛfa ho¶

• Nnommum ne akode a wɔkyeree sie a wonya nkwa
• Adwowtwa ne korɔnbɔ a wonya nkwa
• Kar a wɔwia ho banbɔ: tebea ho nimdeɛ, nkwagye ho akwan horow, ne mmofra a woyi wɔn fi mu ho nhyehyɛe ahorow
• Rideshare a ahobammɔ nnim anaasɛ taksikafo guankɔbea
• Apoobɔ, atirimɔdensɛm, ne agyede ho nsisi a ɛte sɛ nea wɔkyere nkurɔfo sie
• Emergency nɔma ahorow ho kyerɛwtohɔ