12004 Forged bank-notes and bancomats

All was going quite well with our money management in Italia: the ponderous, terminally slow (but often entertaining) Cassa di Risparmio for our big withdrawals/renovation payments and the exceptionally good (no charges) Nationwide card for our normal monthly outgoings ... until today, when a bancomat dished us up a forged 50 Euro note - serial number not in braille and the silver square behaving like a lottery scratch card. The implications are very alarming, given that all our monthly outgoings are either bancomat or the Nationwide card, where cards are accepted. Does anyone have any ideas on what to do when this happens? You can't exactly tell a machine that you won't accept the notes issued because they're forged can you?

Category
Cost of living - Utility Services

This is bad news. My first thought was did you go into the bank and complain - but thinking about this it wouldn't have worked because there would be no way you could prove that the note had come out of the machine. It seems commoner than I would have believed, if the following quote is accurate.

"Adusbef viene contattata più frequentemente di quanto non si creda, da concittadini che denunciano problemi relativi a banconote false. Per lo più, si denunciano rinvenimenti di banconote false distribuite dagli sportelli del Bancomat. In tali casi consigliamo comunque di fare “due chiacchiere” con il Commissariato o con la Stazione dei carabinieri più vicini. Non si può infatti procedere ad una denuncia formale contro la banca visto che, di norma, non è possibile produrre prove concrete del rinvenimento del falso tra le banconote distribuite dal Bancomat."

(Adusbef is the Associazione difesa utenti servizi bancari e finanzari)

So you should go to the Carabinieri. You should not try to pass on the forgery, if you do this you lay yourself open to a charge (though I expect the authorities would have to prove you knew it was false).

Bad news indeed and you seem to think what we think; If it happens again ... and again ... How can we prove that such forgeries were issued by the bank's machine?

Difficult, as you cannot prove that that note came from the bancomat machine. Before going to the carabinieri it may be worth, rather than complaining or demanding a replacement note, going into the bank and explaining the situation and ask their advice. It may be part of a larger problem they have experienced or they may be unaware. If they can't/won't help then go to the carabinieri for advice. Either way they should be able to tell you how to deal with a forged note. I can't remember the figures but apparently the problem with forged € notes is huge with most going undetected.

Think Italian on this one....what does a bank clerk do if he spots a forged bank note???....nudge nudge wink wink say no more.

Just a wee follow on from this one. I work in a supermarket and last week we were told to be on the look out for false €20 notes. So beware when you get any 20s in your change.
Auds

I think Noble was referring to the issue that Bancomat machines are filled (manually) by the bank tellers. Now, having seen personally, the disdain which bank tellers in Italy show to deposits (quite unlike the attention that they pay to withdrawals), I find it very difficult to believe that there is any deliberate intention to deceive here. Though - at the same time - if a teller has been 'duped' by a depositor...

If I throw a few thousand Euros at a bank teller, they will count it mechanically, and credit my account. The automated 'bank note counters' are simply mechanical thumbs (without, and this is a minus, the capacity to spot a forgery). That goes for deposits. However, if you withdraw a few thousand euros, first the mechanical thumb will check it, then the teller will count it out manually before your very eyes, and if you spot something dodgy you should say 'Alt'.

When I responded to lupo's first post (after doing a bit of research) I'm now thinking I must live a charmed life - having depended on Bancomats for about twenty years, I've never been unfortunate enough to get a 'banconote false'. If I got even a €50 forgery today I guess I'd put it down to experience....but certainly I'd be into the bank that issued it pretty damn quick, and to hell with any advice from bank regulators.....vengeance!! Also, I don't think banks have any upside to these situations, and if you make them aware (even though, of course, they won't admit to any fault) they might just alert their personnel to be a little more observant - on deposits.

i had one of those and got called on it a couple of days later when I tried to use it. I took it back to the bank where it was issued (where I had an account) and they changed it immediately with no fuss, no incredulity, no panic, in fact it all passed off so smoothly it was certainly not the first time they had encountered this problem!

Good for you timwills. It makes a refreshing change to hear of something going so smoothly here.