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Phuket German Expat Loses Bt600K To Skimmers


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I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

It does sound useful, but I'm genuinely wondering how much good it would do? I guess you can immediately cancel the card from further withdrawals to avoid the whole account being emptied - but what about that first withdrawal?

Is there anything SCB would do about that?

I found SCB totally useless when I had my card stolen and used fraudulently to take 20k out of my account - thankfully that's all that was in there - 2 years ago. Had a police report to prove my wallet was stolen before the transactions were made but SCB refused to cancel my card when I went into the branch the moment it opened as I couldn't give them my account number (I was on Samui and didn't take my Bangkok branch bank book on holiday) and they "couldn't find me" on the system!!

The thief even made 2 transactions at stores on Koh Samui and Koh Phangnan within 5 minutes of each other - SCB couldn't tell me how the thief managed that either. Never got any money back. UK credit cards were also stolen and used in the same way, money was instantly refunded after a phone call. The fraud department were supposed to 'work together' with Samui police....obviously that was futile.

So, just wondering if notifying them as soon as you get the SMS would help? Honest question, no hint of sarcasm (I know what people are like on here!)

My ATM card is purely an ATM card. It is not a credit or a debit card for the exact reasons you illustrate.

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JetsetBkk, on 17 May 2013 - 13:31, said:

I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

that service is free with bkk bank and has been operating for years,excellent system never failed me once.

It is? I use BB and only get an SMS when money goes into my account, but not withdrawn.

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JetsetBkk, on 17 May 2013 - 13:31, said:

I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

that service is free with bkk bank and has been operating for years,excellent system never failed me once.

Dämn Krung Thai bank charging me for what is free elsewhere! mad.gif

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The bank is responceble for your money, they should keep it safe. But there is soemthing to say, this is not Germany, you have to be careful where you use your card. When people skim your card, they also need your pincode. OR somebody know your pincode and have it skimmed later. They bad thing or Thailand is, that you can pay large amounts of money at the ATM. There must be video recordings of it. Usually those people get caught, because living of 5000 a month for years and suddenly a new truck or expensive holiday?

However I feel sorry for you, good luck.

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Another proof that bank cards are not save in Thailand. NEVER use a bank or credit card in Thailand, bring along Traveller's Cheques instead, more save and easy to change. Higher rate than cash and only 33 Baht handling fee per cheque.

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<snip>

I spent considerable time putting together a substantial complaint to the Office of Consumer Complaints Board that KasikornBank breached the Act for their false advertising. I can see you all ROFL at the response..... KBank attempted to justify their documented service standards, including their non answering of telephones so aptly described in the article. I copied Bank of Thailand, and they were kind enough to twice/three times enquire of progress.

As for the Office of Consumer Complaints Board........... yes, you are quite correct..... zilch, zero, nothing

This poor gentleman's and Phuket News' experiences with KBank strike me as normal for KasikornBank, and far from "Service Excellence", striving or not.... or did I miss something in translation???

Experience Amazing Thailand.

Did you go to the right place? It is the Office of the Consumer Protection Board (OCPB) in Bangkok that dealt with the problem here: http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out

And, in that particular case, they had a picture of the guy withdrawing the money who was not the account holder.

It also helps if you go to the OCPB in person, which is what happened in the case above.

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JetsetBkk, on 17 May 2013 - 13:31, said:

I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

that service is free with bkk bank and has been operating for years,excellent system never failed me once.

Dämn Krung Thai bank charging me for what is free elsewhere! mad.gif

SCB have just started alerting me by email when my account is accessed. It seems to be a free service. The email comes in before I've even logged out of my account. At first I thought it was a bit of a nuisance but it's really quite a good idea. Especially as the online security isn't up to much with just username and password needed to access the account.

Do any Thai banks use card readers like we do in the UK to access online banking? They should. And the daily withdrawal limits are very low in the UK. My bank in the UK only permits 300 UKP a day (around 13500 baht).

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All talk about the bad Service from the Kras Bank.

Why everybody use it?

I use the Bangkok Bank an the Service is very great. They care and support me really good.

I never have trouble or problems at the Bank. All Accounts available and lot of ATM Machines to.

Money by wire trans is no problem to from Europe.

So realy I don't understand why all use this Bank?

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This is the reason I only keep a small amount in my Thai Bank Account. I use it to make my truck payment once a month. I don't trust the banking system here.

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Here's a #protip for you all. Always set-up 2 bank accounts. 1 account, with the majority of your funds with an ATM card you never take outside. The other with only funds you need for a particular day connected to the ATM card you carry on you. If you ever need more funds, just simply transfer via your bank Smartphone app (or online banking) from the main account to the "outside" secondary account, and then use the secondary account ATM to withdraw immediately.

A) If your "outside" ATM card gets skimmed, you'll never lose much.

cool.png If you ever get held up or robbed outside, they'll never get much from forcing you to withdraw off that card you have on you.

Exactly! I've done the same method for years here, I've never had a problem with this method using Bangkok Bank. It does seem like Kasikorn Bank has the biggest problem with skimming of all the Thai banks.

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I suggest he reads this story and sees if his situation is similar:http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

Worth considering....but that SMS arrives AFTER the low life has already skimmed your money....

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A friend once told me that if the ATM doesn't accept your PIN, take the card out and DON'T try again. Could be some good advice there.

I put the bulk of my money into an account with no ATM access. And keep a small amount in another account to use with an ATM card. I make small transfers from one to the other when needed.

Still makes me nervous though...

+1

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JetsetBkk, on 17 May 2013 - 13:31, said:

I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

that service is free with bkk bank and has been operating for years,excellent system never failed me once.

JetsetBkk, on 17 May 2013 - 13:31, said:

I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

that service is free with bkk bank and has been operating for years,excellent system never failed me once.

I agree. Also get notifications when money deposited in the New York brank is available here.

I almost always use ATMs that are attached to a bank facility rather than free standing ATMs. I suppose the crooks can still fiddle with ATMs at the bank, but it seems more likely they'd screw around with one that's in an out of the way place and serviced less frequently.

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I suggest he reads this story and sees if his situation is similar:

http://www.thaivisa.com/forum/topic/528145-phuket-atm-scams-even-professionals-get-caught-out/

PS. For 10 baht a month, I get an SMS message when any money is removed or added to my account.

For another 10 baht, I get an SMS message when ever my Internet banking account is logged in.

It does sound useful, but I'm genuinely wondering how much good it would do? I guess you can immediately cancel the card from further withdrawals to avoid the whole account being emptied - but what about that first withdrawal?

Is there anything SCB would do about that?

I found SCB totally useless when I had my card stolen and used fraudulently to take 20k out of my account - thankfully that's all that was in there - 2 years ago. Had a police report to prove my wallet was stolen before the transactions were made but SCB refused to cancel my card when I went into the branch the moment it opened as I couldn't give them my account number (I was on Samui and didn't take my Bangkok branch bank book on holiday) and they "couldn't find me" on the system!!

The thief even made 2 transactions at stores on Koh Samui and Koh Phangnan within 5 minutes of each other - SCB couldn't tell me how the thief managed that either. Never got any money back. UK credit cards were also stolen and used in the same way, money was instantly refunded after a phone call. The fraud department were supposed to 'work together' with Samui police....obviously that was futile.

So, just wondering if notifying them as soon as you get the SMS would help? Honest question, no hint of sarcasm (I know what people are like on here!)

My ATM card is purely an ATM card. It is not a credit or a debit card for the exact reasons you illustrate.

I have too, since that moment - a lesson learnt the hard way. But I'm still wondering what good the alert would do about that initial fraudulent transaction? Anything?

Or is it to stop more from happening?

Once the money's gone there seems to be little hope of getting it back in Thailand

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