Fraud Statistics Jul 12 - Jun 13

We publish payments fraud data twice-yearly to help public understanding of fraud trends and prevention measures.

The data tables covering 1 July 2012 - 30 June 2013 are provided below. For further information on this data release, please see the accompanying Media Release.

Fraud Statistics Jul 2012 - Jun 2013

Summary Table Debit Card Fraud

Cheque Fraud Scheme Credit, Debit and Charge Card Fraud

Fraud Perpetrated on Australian Cheques and Cards

1 July 2012 - 30 June 2013 (Revised December 2015)

	Fraud Transactions		Total Transactions		Fraud Rates
	Number	Value	Number (millions)	Value (millions)	as % of total no. of transactions	as % of total value ($) of transactions

Cheques	770	$9,884,467	209	$1,196,996	0.0004%	0.0008%
Australian-issued cards^	1,378,007	$281,024,123	5,871	$607,863	0.0235%	0.0462%
Proprietary debit cards	52,098	$18,213,277	N/A	N/A	N/A	N/A
Scheme credit, debit and charge cards	1,325,909	$262,810,846	N/A	N/A	N/A	N/A
Total	1,378,777	$290,908,590	6,080	$1,804,859	0.0227%	0.0161%

^ = Figures have been revised.

Cheque Fraud Perpetrated in Australia

1 July 2012 - 30 June 2013

Category	Actual	Exposure	Recoveries*

On-Us Fraud	Transactions	Value ($)	Transactions	Value ($)	Value ($)
Valueless	5	13,654	675	4,047,663,846	674
Fraudulently Altered	193	1,671,246	388	5,154,460	219,310
Stolen Blank Cheque / Book	442	1,931,749	837	8,216,999	764,928
Originated Counterfeit Cheques	54	604,956	231	6,815,654	124,453
Non-originated Counterfeit Cheques	35	268,247	161	5,129,741	36,719
Breach of Mandate	27	5,281,780	53	3,334,735	5,513
On-Us Total	756	9,771,632	2,345	4,076,315,435	1,151,597

Deposit Fraud
Valueless	6	37,374	332	2,090,678,353	25,911
Valueless - Kite Flying	1	19,750	28	1,601,793	49,350
Third Party Conversion	7	55,711	34	852,095	7,492
Deposit Total	14	112,835	394	2,093,132,241	82,753

Total	770	9,884,467	2,739	6,169,447,676	1,234,350

* Data on the 'transactions' of recoveries is not collected.

“Actual” losses can relate to “Exposure” during an earlier period. This explains why, in some reporting periods,actual losses may exceed exposure.

Proprietary Debit Card Fraud Perpetrated in Australia

1 July 2012 - 30 June 2013

Category	Transactions	Value

Debit Card Fraud – PIN Used:
Lost/Stolen	15,731	3,376,563
Never Received	3,429	1,400,472
Counterfeit/Skimming	31,120	12,509,708
Other	1,609	849,198
PIN Used Total	51,889	18,135,941

Debit Card Fraud – PIN Not Used:
Lost/Stolen	139	33,601
Never Received	1	1,000
Counterfeit/Skimming	56	31,688
Other	13	11,047
PIN Not Used Total	209	77,336

Total Debit Card Fraud	52,098	18,213,277

Note: For fraudulent transactions initiated at ATMs, POS terminals and other devices, the above statistics incorporate all transactions where either "cheque" or "savings" was selected, regardless of the type of card used (that is debit card, 'combo’ card, scheme card etc). The number of fraud transactions does not represent the number of cards or consumers affected. Typically, multiple fraud transactions are made on a single card.

Scheme Credit, Debit and Charge Card Fraud
Perpetrated in Australia and Overseas on Australia-issued Cards

1 July 2012 - 30 June 2013 (Revised May 2014)

Category	In Australia	Overseas	Total

	Transactions	Value ($)	Transactions	Value ($)	Transactions	Value ($)
Lost / Stolen	127,508	17,448,697	24,122	9,627,658	151,630	27,076,355
Never Received	33,492	7,176,515	1,307	465,230	34,799	7,641,745
Fraudulent Application	3,582	2,375,904	326	117,280	3,908	2,493,185
Counterfeit / Skimming	27,678	11,787,946	41,489	13,565,620	69,167	25,353,566
Card Not Present (CNP)	421,307	82,225,443	640,359	117,011,437	1,061,666	199,236,881
Other	3,461	631,253	1,278	377,863	4,739	1,009,116
Total	617,028	121,645,758	708,881	141,165,089	1,325,909	262,810,847

Note: The number of fraud transactions does not represent the number of cards or consumers affected. Typically, multiple fraud transactions are made on a single card.

Fraud Perpetrated in Australia on Cards issued Overseas

Category	Transactions	Value ($)

Lost / Stolen	12,508	4,008,478
Never Received	412	59,439
Fraudulent Application	268	82,669
Counterfeit / Skimming	47,650	9,374,028
Card Not Present (CNP)	107,094	31,254,925
Other	1,657	473,860
Total	169,589	45,253,399