Scam in GuatemalaCards and ATMs
BI ATM debit without cash in Guatemala
How it works
Some MasterCard users report being charged for a withdrawal without receiving the cash. This may be a machine or transaction fault.
Warning signs
- You are using a MasterCard at this BI ATM.
How to avoid it
- Consider the BAC Bank teller service in Santa Elena instead.
- Keep the receipt and check your account after withdrawing.
- Avoid repeating a failed withdrawal before checking whether you were charged.
If it happens to you
Record the ATM location, time and amount. Keep any receipt and ask your card issuer to investigate the missing cash.
- Get to a safe, staffed place. If someone threatens you with a weapon, do not resist.
- Check whether anyone is injured. Seek medical help if needed.
- Freeze stolen cards and contact your card issuer about disputed withdrawals. Lock a stolen phone remotely and contact your mobile provider.
- Write down what happened, including the time, location, vehicle details and amounts. Save receipts and screenshots without confronting the person involved.
- Report the incident to police. In Antigua, ask the Tourist Police for help. Request a report or reference number.
- Contact your insurer. If your passport is missing or you need serious assistance, contact your embassy or consulate.
What travellers report
Posts about this scam on other sites, summarised in our words. Open one to read the original.
- TripadvisorAntigua ForumWhat should I do about ATMs in Antigua? - Antigua Forum - TripadvisorA traveller reports that a Banco Industrial ATM debited their account without dispensing cash and that their own bank subsequently refunded the money.Read on Tripadvisor
- TripadvisorAntigua ForumATM usage in Antigua, Guatemala - Antigua Forum - TripadvisorA commenter reports a malfunctioning BI ATM debiting Q2,000 without dispensing cash, with reimbursement obtained through their home bank.Read on Tripadvisor
Questions
What is the bI ATM debit without cash scam in Guatemala?
Some MasterCard users report being charged for a withdrawal without receiving the cash. This may be a machine or transaction fault.
How can I spot it early?
You are using a MasterCard at this BI ATM.
How do I avoid bI ATM debit without cash in Guatemala?
Consider the BAC Bank teller service in Santa Elena instead. Keep the receipt and check your account after withdrawing. Avoid repeating a failed withdrawal before checking whether you were charged.
What should I do if it happens to me?
Record the ATM location, time and amount. Keep any receipt and ask your card issuer to investigate the missing cash.
Where in Guatemala does this happen?
A BI ATM sharing a shop with a 5B ATM on Flores island It has been reported in Flores.
How much can it cost me?
The ATM's reported transaction fee is about Q30. The amount of any missing withdrawal is not specified.
How common is this scam in Guatemala?
Occasional. The main risks in Guatemala are theft, armed robbery, unsafe taxi rides and inflated fares. Phone theft is especially common, while some cash machines in Flores have reported fee and withdrawal problems. Risk varies by place: Antigua's centre is safer in daylight, and Flores island is described as very safe.
Are there similar scams in Guatemala?
Yes: 5B ATM fees and withdrawals after cancellation.
Who can I report it to?
Police: report robbery, theft, kidnapping or fraud once you are safe. Ask your accommodation to help you reach police and request a written report or reference number. Tourist Police in Antigua: ask for help with an incident in Antigua. Your accommodation can help you find them. Card issuer or bank: use the contact details in your banking app or on your card. Freeze stolen cards and report ATM debits without cash or other disputed transactions. Taxi Amarillo / Amarillo Express: for a complaint about a booked ride, contact 1766 or servicioalcliente@amarilloexpress.com. Keep your booking and trip details. Embassy or consulate: contact your country's embassy or consulate if your passport is stolen, someone is being held or you need serious assistance. Travel insurer: use your policy's assistance or claims contact. Keep police reports, receipts and evidence of losses.
Reviewed by @snuck