Protect Yourself From EBT Scams

If you’re getting SNAP (Supplemental Nutrition Assistance Program) benefits, you already know your EBT card looks and acts just like a debit or credit card when you buy groceries. Unfortunately, so do scammers.

To help you avoid getting scammed out of your benefits, AARP Foundation answers your questions on how EBT theft works, how you can protect yourself, plus how to recover your SNAP benefits if they are stolen.

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How do scammers get access to my EBT card?

Each month your benefits are deposited onto your EBT card for you to spend at the grocery store and other stores that accept EBT. When you swipe your card as payment, you enter a PIN number. Scammers try to steal your PIN number by attaching a hidden device or camera that “skims” your PIN from the card reader at checkout. Scammers may also try to trick you into giving out your PIN over text, email, or phone — this is called phishing. Once they have your pin, they can access your account and remove the funds stored there.

How do I keep my EBT card safe?

Because EBT cards don’t automatically monitor suspicious activity for you like credit cards, it’s up to you to keep track of your EBT balance, so you can report charges you don’t recognize. Remaining aware and trusting your gut will also help you avoid getting scammed.

In addition to familiarizing yourself with your state’s benefits website and logging in yourself instead of following any links you receive, experts recommend you:

Never share your PIN with anyone — state or country representatives will never ask for it in person, via text, over the phone, or through email
Change your PIN often by calling EBT customer service, visiting the card’s online portal, or using the app, if available
Cover the keypad when entering your PIN to reduce the chance of your PIN being recorded
Check card readers for signs of a skimming device: gently tug to ensure it’s securely attached.
Avoid using certain card readers — ones with signs of damage or hard-to-push buttons may have been tampered with.
Assume it’s a scam if you receive a text, an email, or a phone call urging you to share personal information.

Can I get my stolen SNAP benefits back?

Yes, report the EBT theft immediately — you may be eligible to get replacement benefits. Call the customer service line on your EBT card. You may also have to fill out forms with your local county benefits office.

Consider reporting the theft to local law enforcement as well. Buying, selling, or otherwise misusing SNAP benefits is a federal crime — you can help build a case against scammers and stop them from stealing again.