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Poland solved this problem pretty neat. I don't even remember using my credit card with ATM.

You open your mobile bank app, click BLIK icon and a 6-digit code is generated. You enter the code in ATM and you choose amount to withdraw. You accept the amount on your mobile phone and money comes out.

This is how it looks: https://www.mbank.pl/indywidualny/uslugi/uslugi/blik/



That's very clever but honestly, just removing the magnetic strip seems like a really obvious first step. I know for a fact they flag magnetic strip usage on ATMs for credit cards anyway. (Then again, could be some sort of honeypot.)




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