Subscribe via E-Mail

Get all of our news delivered fresh to your inbox every morning! Just tell us your name and where to send it using the form below.

PS – We hate spam too. We don’t sell or share our list with anyone, and we never send commercial email.

Friday, January 29th, 2016  |  USD: Buy 531.29 / Sell 543.92
20 years

Be on the lookout for this scam, it could cost you thousands of dollars

July 16th, 2014 ( While not a new problem in Costa Rica, credit and debit card fraud through the use of electronic devices called ‘skimmers’ is becoming ever more common as the skimming devices become ever easier to obtain.


The devices do their work after a criminal inserts the thin plastic device into an ATM machine’s card reader.  The device than reads and stores every ATM users’ card information the moment they insert the card into the machine.  The criminal returns later in the day and retrieves the device, which may by then have the full data of hundreds of cards stored on it. That information is later used to create clones of the users’ cards, or for online purchases.


Most of the devices allow the ATM machine to function like normal, and as a result many users have no idea that their card information has just been stolen.


Inside Costa Rica first reported on a rash of such scams in March 2013.  Recent reports by readers indicate that the scam is back and claiming more victims.


One reader reported to Inside Costa Rica that criminals nabbed $600 from her account and $2,000 from two other friends’ accounts earlier this month using ATM skimming devices, one of which was apparently installed at the Banco Costa Rica branch location in Grecia.


Upon notifying their banks (both U.S. and Costa Rican cards were cloned), the reader’s friends were directed to file a report at the courthouse, where she reportedly learned that a rash of clonings have occurred in recent weeks in six cities across the country.


Francisco Segura of the Judicial Investigation Organization (OIJ) said last year that many cardholders have no idea that they have become victims, and that many times it is instead the banks that alert judicial authorities to possible fraud.


In an operation last year, the OIJ conducted 13 raids in various locations, collecting evidence such as payment receipts, skimming devices, and computers.


The skimmers are also sometimes placed in the credit card terminals at retail establishments, restaurants, and other places that accept credit cards.


The skimming devices used by criminals can be found for sale on certain web sites in Costa Rica, sometimes carrying a price tag of nearly 1 million colones ($2,000).


To avoid becoming the victim of these fraudsters, it is suggested to check closely the area on ATM machines where you insert your card for anything that may look like a hidden our out of place device, and also to not allow retail clerks, gas station attendants, and others to take your card out of sight.


Image courtesy of Banco de Costa Rica.

Image courtesy of Banco de Costa Rica.


costa rica news

ATTENTION: If you are seeing this message,


Get our news delivered fresh to your inbox every morning.

Click here to subscribe to our email list. We hate spam too and never send commercial email.

Like us on Facebook and receive our news in your timeline

  • duke ster

    Wow-Thanks for this super important information Inside Costa Rica! The skimmer is hard to see in the photos provided by the bank so I personally can’t see the device or tell the difference. But that scares the heck out of me. Now I will have to try to figure out how to be safe using my card. The banks won’t allow you to open a 2nd account so you could put spending money in a separate account so how do we fix this problem? This is why we love “Inside Costa Rica” all the important news…. FAST!

    • Timothy Williams

      Most banks will allow you to have a “colon account” and a “dollar account,” that are technically seperated though under the same general account. They usually link both accounts to the same card (funds coming from your colon account if you take colones out of the ATM, funds coming out of the dollar account if you take dollars out – or given a choice, depending on the ATM), but you can request that only one of the two accounts be linked to the card. Granted, you may lose a bit of money on the exchange rate shuffling money between the two currency accounts all the time, but if you want that degree of safety and your bank won’t give you a totally separate account, it can be done.

      • duke ster

        Isn’t it possible to see this card reader if you look closely at the bank machine? I usually look closely and try to see if anything has been added or looks out of place. I can’t imagine any device, no matter how thin, to be invisible to a close look. But if you have any more information as to what to look for and where, please tell us. I mean if I were to add something to an existing bank withdrawal machine-I would tend to believe it could be detected. Maybe I am wrong-.

  • duke ster

    Thanks for the information all around!!!!

    • Timothy Williams

      No problem. I work for Inside Costa Rica as the executive editor, just for disclosure, if it wasn’t clear from the comment system.

  • Tony Lafayette.

    The bank security should check the ATMs a couple of times a day?

Popular Content