Yes a scam. Distraction theft. Version 1. Has previously watched you enter your PIN. Your card presents before your cash. By interrupting you she takes your card discreetly from the machine. You are concerned for your cash and take it, and having been unsettled by the interruption forget you haven't taken your card. She goes to another nearby machine and attempts several withdrawals at the maximum limit. Version 2. She says "Is that your money on the floor?" There is a note on the ground and you bend down to investigate. She or a second person takes your cash which is waiting to be removed. They disappear and you wonder where you're at (which stage) on the ATM transaction. ALWAYS BE AWARE IF ANYONE (OR TWO) IS HANGING AROUND THE MACHINE. DON'T RESPOND TO ANY DISTRACTIONS.