ATM Skimming in Urban Areas
Skimming Devices on Bank ATMs
In Estonia, scammers attach hidden skimming devices to ATMs in busy city centers like shopping districts or near train stations, capturing card details when tourists withdraw euros. These devices are often placed on ATMs in SEB or Swedbank machines, with common reports in areas like Tallinn's Viru Keskus mall or Tartu's central square, where the average withdrawal is around 50-100 EUR. Scammers may also use shoulder surfing to note PINs, exploiting the high trust in digital banking.
- Use ATMs inside bank branches during business hours to avoid tampered machines, as Estonian banks like LHV offer secure indoor options.
- Cover the keypad when entering your PIN, especially in public areas, and opt for contactless payments under 50 EUR to minimize exposure.
- Regularly check your bank statements via the bank's mobile app, as Estonian services like Mobile-ID provide real-time alerts for suspicious transactions.
Phishing Emails from Fake Estonian Authorities
Scammers send emails pretending to be from Estonian government entities like the Tax and Customs Board or e-Residency program, claiming issues with a tourist's visa or digital ID and requesting personal details or bank information. These often reference local specifics, such as problems with a 20-50 EUR e-Residency card fee, and target travelers who have recently applied for services online, leveraging Estonia's reputation for digital innovation.
- Verify any official communication by contacting the agency directly through their verified website, such as eesti.ee, rather than replying to emails.
- Avoid clicking links in unsolicited emails and use Estonia's official ID-card or Mobile-ID for secure logins to government portals.
- Be cautious of requests for sensitive information; Estonian law requires two-factor authentication for most services, so demand it if in doubt.