It’s early morning in Lagos (Friday, 20 February 2026, 3:42 AM). Many people withdraw cash before the workday starts, but ATM fraud remains a common risk across Nigeria. Knowing what mistakes to avoid and what steps to take can save you from losing money or exposing your card details.
Step-by-Step Safety Checklist for Using ATMs in Lagos
1.Choose the right ATM
Use machines located inside banks or well-lit areas with security presence.
Avoid standalone ATMs in dark or isolated spots, especially at night.
2.Inspect the machine before use
Check for loose card slots, hidden cameras, or strange attachments.
If the keypad feels bulky or raised, it may be a skimmer device.
3.Protect your PIN
Cover the keypad with your hand while entering your PIN.
Never share your PIN with anyone, even “helpful” strangers.
4.Be alert to distractions
Fraudsters may try to engage you in conversation or cause confusion.
If anyone loiters too close, cancel the transaction and leave.
5.Limit cash withdrawals
Withdraw only what you need to reduce exposure.
Consider using mobile transfers or POS agents in trusted shops instead.
6.Check your account balance regularly
Use your bank’s mobile app or USSD code to confirm transactions.
Report suspicious deductions immediately to your bank.
COMMON MISTAKES TO AVOID
Using ATMs late at night in poorly lit areas.
Accepting help from strangers who claim the machine is “faulty.”
Ignoring small unauthorized deductions (they often escalate).
Key Takeaway
In Lagos today, the safest way to withdraw cash is to stick to ATMs inside banks during daylight hours, shield your PIN, and inspect machines before use. If anything feels off, trust your instincts—cancel and walk away.
