Criminal network using ‘card switch’ scam dismantled by Guardia Civil

Fraudulent group targeted elderly ATM users across Spain

by Lorraine Williamson
‘card switch’ scam

The Guardia Civil has dismantled a criminal group specialising in stealing bank cards using the so-called “card switch” scam method. The operation, named “Tarpuy,” revealed the group’s strategy of targeting elderly or isolated individuals at cash machines. The investigation linked the suspects to a series of offences spanning multiple provinces.

The probe began in May when a 65-year-old woman in Rivas-Vaciamadrid (Madrid) reported her bank card stolen. Using the card, fraudsters withdrew €2,500 from her account. The crime was quickly connected to similar incidents across the country. Investigators uncovered at least ten related cases, leading to the identification of a group consisting of three men and one woman, each with specific roles.

How the “card switch” scam worked

Two members conducted surveillance, selecting victims—usually older individuals—at ATMs. Once a target was identified, another member approached the victim under the pretext of helping with an “incomplete transaction.” During this interaction, the thief would swap the victim’s card for a counterfeit one, memorising the PIN in the process.

The stolen card and PIN were then used to withdraw cash and make purchases until the card was cancelled. The group retained the stolen card to replicate the scam with other victims, particularly those banking with the same financial institution.

Targeting the vulnerable

While any crime against an individual is reprehensible, the deliberate targeting of elderly or isolated individuals is particularly cruel. Such crimes exploit those who may already feel vulnerable or lack the physical ability to respond quickly in stressful situations. This behaviour not only causes financial harm but also leaves victims with lasting emotional and psychological distress.

By preying on the elderly, the perpetrators of these crimes show a disregard for the fundamental rights of some of society’s most vulnerable members, compounding the severity of their actions.

Nationwide activity

The group operated across Spain, committing multiple crimes in a single day. So far, they have been linked to offences in Rivas-Vaciamadrid, Tres Cantos, Becerril de la Sierra, Torrejón de la Calzada, Madrid city, Parla, Tobarra (Albacete), and Alguazas (Murcia).

Arrests and evidence seized

The Guardia Civil carried out searches at properties in Manzanares el Real and Madrid, arresting all four members. Authorities recovered several stolen bank cards, fraudulently obtained mobile phones, and €1,850 in cash.

The suspects, aged between 40 and 50, face charges of theft, fraud, and membership in a criminal organisation. They have been placed in judicial custody and are currently in prison.

Public awareness

The Guardia Civil urges ATM users to remain vigilant, particularly when approached by strangers offering unsolicited assistance. Always protect your PIN and report any suspicious activity immediately.

By highlighting the group’s methods and impact, authorities hope to prevent further incidents and raise awareness of this increasingly common scam.

Also read: No ATM or bank branch? This is how elderly people can get money in Spain

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