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If fraudsters get your PIN, they may try to swap your card to access your money immediately. They may use distractions to swap your card. Once they have your PIN and card, your account can become compromised.
Tips to protect yourself from card swapping
Never accept help from anyone at the ATM.
Never give your card or PIN to anyone.
Always pay attention to your surroundings. If you feel uncomfortable, leave and go to another ATM.