Marc:

My guess is that it happened at that machine that didn't work correctly. There are all sorts of gadgets that can be put into place from hi-tech to that very low tech guy with the binoculars!

Some tips and suggestions to any and all who may be traveling:
1. remember that in Europe your PIN must be only 4 digits
2. remember your PIN by the numbers not the letters. The letters are in different places on Europe ATMs
3. Security is often better inside a bank than on the street. Inside your hotel is good, too.
4. Take a good look around before using the machine. Something doesn't look right, move on.
5. Have your travel partner act as a block to cover your transaction from prying eyes.
6. Open your wallet in some safe place away from the machine to get your atm card and don't make a big production of putting the card (or your cash) away. Pickpockets watch ATMs also.
7. Tell your bank that you will be away & when you are returning. If they know that you are due back on the 10th, any transaction on the 12th will look fishy. (Do this for your credit cards, too. Otherwise your card may get blocked!)
8. Do not use private ATMs. Just don't. Here or abroad. Just too risky.
9. Have your bank's contact phone number. AND if you deal with a bank that has branches in the country you are visiting.. carry a local contact number.
10. Always, always,always... check your accounts when you get home. Your credit cards as well as your deposit accounts.

Doug..... a traveler who is a banker in his spare time