ATM Overlays

An ATM overlay is a device that is placed over the keypad of an ATM. It is often disguised to look identical to the original keypad. Overlays allow thieves to capture your PIN number as you enter it, while still allowing the original keypad to receive the PIN number as well.

How Big a Threat are ATM Overlays?

By itself, an ATM overlay is not a tremendous source of identity theft. However, when combined with a mechanism that obtains your card information – such as a skimmer, loop, camera, or other device located at the ATM – a skimmer now allows the identity thief to have access to your bank account, including both your PIN and your debit or credit card number.

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What does ATM Overlay Theft Cost Consumers?

As a component of ATM theft, ATM Overlay theft contributes to the estimated $1 billion in annual losses banks experience from ATM skimming.1

Information thieves can collect:

  • PIN Number


What thieves can do with this information:

  • Identity theft
  • Bank fraud


ATM Overlay Statistics:

  • Contributes to the estimated
    annual $1 billion bank loss due
    to ATM skimming.1


Federal Trade Commission. “Consumer Sentinel Network Data Book For
January – December 2011.” February 2012.

Javelin Strategy & Research. "2012 Identity Fraud Report: Social Media and Mobile Forming
the New Fraud Frontier." February 2012.

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