This research aims to examine the agreement between banks and creditors in issuing electronic-based Debit (ATM) cards, how banks are responsible for customers who have been harmed by card skimming crimes, and how to prevent card skimming crimes in bank transactions. Some of the legal bases for this writing include Law Number 10 of 1998 concerning Banking, Law Number 19 of 2016 concerning Information and Electronic Transactions (ITE), Law Number 8 of 1999 concerning Consumer Protection, Article 1367 of the Civil Code and Bank Regulations Indonesia PBI 11/11/PBI/2009. In this research, the author uses a type of normative legal research, namely a form/type of research that relies on data and information about the law, both primary legal materials, secondary legal materials, and tertiary legal materials.