Photo: Informative sign, Kep National Park.

Although the only real worry a tourist has when they come to Cambodia is which island to visit, you should also be concerned about the safety of your ATM card.

Money talks... but don't let it tell anyone your secret pin code!

Recently there have been several reports of ATM fraud in Phnom Penh and Siem Reap. The people who make up names for this sort of thing call it “skimming” — it’s when fraudsters fit an unauthorised device over the card slot on an ATM machine that makes a copy of your card when you insert it. Cameras, sometimes hidden in pamphlet holders, record your pin number as you type it in. It’s all very high-tech, in fact almost too much so to believe that it’s happening in Cambodia, but the American Embassy released a warning a few days ago confirming it.

Others in town have reported ATM machines eating their cards and being unable to immediately get them back — whether this is an attempt at fraud or just the to-be-expected leisureliness on the part of the bank is unclear.

The Australian Embassy also warns that tourists coming out from ATMs have been the target of some robberies.

Here are a few tips to prevent ATM card fraud while you are in Cambodia:

Make copies of your ATM card before you leave. This way if you lose it, you’ll have the details and contact number for your bank.

Look at the ATM that you are using carefully — make sure that everything looks right. If anything looks like it may have been added after the fact, for example, if the color of the slot seems to not match the rest of the machine, find another ATM.

Cover the number pad with your hand when you are typing in your pin. I always used to think my friends back home who did this were ninnies, but apparently this really can stop your information from being compromised.

Use ATMs that are well-lit or in central locations. You’re less likely to be the victim of a robbery or fraud with an ATM that is out in the open and harder to tamper with.

Be aware of your surroundings and watch your bag.

And, lest my obsession with safety makes you nervous, let me assure you that Cambodia is probably a lot safer than wherever you are coming from, where they have probably already been pulling this ATM scam for years.

Last updated on 28th November, 2011.

Top of page

Further reading

Art & culture

Put your hand up if you just have no idea what you're doing. No idea where to go, when to go or even how to go. Should you be travelling independently or is an organised tour the better way to go. Where are some of our favourites? Read on.

Festivals & events

You know when you're going and you know when you're coming back. In between there is a big gap. How do you fill it? Here are some quick pointers.

Food & drink

General ideas

Health & safety

Money & costs

Phones & technology


Volunteering & work

Do’s & dont’s

Top of page


How long have you got? Here are some of our favourites ...

Top of page