TL;DR: Skimming steals your card's magnetic stripe data using a device attached to a card reader; shimming does the same for chip cards using a thin device inserted into the card slot itself. Use ATMs at bank branches, cover the keypad when entering your PIN, and check your statements regularly for unfamiliar transactions.
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Skimming steals your card's magnetic stripe data using a device attached to a card reader; shimming does the same for chip cards using a thin device inserted into the card slot itself.
How Skimming vs Shimming Works
A skimmer sits on top of or over a real card reader to copy stripe data as you swipe. A shimmer is a much thinner device inserted directly into the slot, designed to read chip card data — both are usually paired with a hidden camera to capture your PIN.
Warning Signs to Watch For
A card reader that feels loose or looks different from the rest of the machine (skimming), or unusual resistance when inserting a chip card (shimming).
How to Protect Yourself
Use ATMs at bank branches, cover the keypad when entering your PIN, and check your statements regularly for unfamiliar transactions.
If this looks similar to something else you've seen, it's worth reading What Is Smishing? How It Works and How to Protect Yourself.
This pattern shows up elsewhere too — see What Is Spear Phishing? How It Works and How to Protect Yourself.
Frequently Asked Questions
What is Skimming vs Shimming?
Skimming steals your card's magnetic stripe data using a device attached to a card reader; shimming does the same for chip cards using a thin device inserted into the card slot itself.
How does Skimming vs Shimming typically work?
A skimmer sits on top of or over a real card reader to copy stripe data as you swipe. A shimmer is a much thinner device inserted directly into the slot, designed to read chip card data — both are usually paired with a hidden camera to capture your PIN.
What are the warning signs of Skimming vs Shimming?
A card reader that feels loose or looks different from the rest of the machine (skimming), or unusual resistance when inserting a chip card (shimming).
How can I protect myself from Skimming vs Shimming?
Use ATMs at bank branches, cover the keypad when entering your PIN, and check your statements regularly for unfamiliar transactions.
What should I do if I think I’ve encountered Skimming vs Shimming?
Stop responding immediately, do not click any links or share information, and report it to the appropriate authority. If money or personal information was already shared, act quickly to secure your accounts and report the incident.