Starting from 2.10.2014, for the purpose of increasing the security of bank card operations and preventing possible fraud incidents, Tallinn Business Bank will refuse all ATM Fallback transactions.


ATM Fallback transactions occur when a chip card is used in an ATM intended for chip cards, but an error is encountered upon reading the chip and the transaction is performed on the basis of the data read from the card’s magnetic strip.


In fraud cases, the error is caused deliberately by using a falsified card with a so-called “broken chip” which forces ATMs to resort to the ATM Fallback mode and use the magnetic strip instead.