Living here, you really depend on your cards. So just remember that some person or camera has to see you keying in the PIN in order to get access to your ATM card, so
* if the ATM you are using does not have a keyboard hood, created you own shield - like hold a wallet or book over your hand as you key in the PIN
* use multiple fingers when keying the PIN - just using the pointer finger makes it easier to read
* if you have the option used a 6-digit rather than 4-digit PIN