Fraud Statistics Jul 15 - Jun 16

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

The data tables covering 1 July 2015 - 30 June 2016 are provided below. For further information on this data release, please see the accompanying Media Release.

Fraud Statistics Jul 2015- Jun 2016

Summary Table Debit Card Fraud

Cheque Fraud Scheme Credit, Debit and Charge Card Fraud

Fraud Perpetrated on Australian Cheques and Cards

1 July 2015 - 30 June 2016 (Revised April 2017)

	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	1,145	$9,370,983	126	$1,198,748	0.00%	0.00%
Australian-issued cards^	2,671,158	$522,180,657	7,666	$703,103	0.03%	0.07%
Proprietary debit cards	64,045	$22,216,115	N/A	N/A	N/A	N/A
Scheme credit, debit and charge cards	2,607,113	$499,964,542	N/A	N/A	N/A	N/A
Total	2,672,303	$531,551,640	7,793	$1,901,851	0.03%	0.03%

^ = Figures have been revised.

Cheque Fraud Perpetrated in Australia

1 July 2015 - 30 June 2016

Category	Actual	Exposure	Recoveries*

On-Us Fraud	Transactions	Value ($)	Transactions	Value ($)	Value ($)
Valueless	3	736,921	477	50,525,793	744,594
Fraudulently Altered	409	3,260,417	670	9,940,916	750,261
Stolen Blank Cheque / Book	452	2,439,714	1,496	11,750,984	285,323
Originated Counterfeit Cheques	178	1,014,855	250	4,354,065	142,300
Non-originated Counterfeit Cheques	61	813,952	151	6,002,420	74,291
Breach of Mandate	26.00	974,358	23	1,134,645	57,107
On-Us Total	1,129	9,240,217	3,067	87,708,823	2,053,876

Deposit Fraud
Valueless	9	30,005	290	29,171,031	70,565
Valueless - Kite Flying	2	8,000	35	1,056,856	2,750
Third Party Conversion	5	92,761	31	530,502	89,666
Deposit Total	16	130,766	356	30,758,389	162,981

Total	1,145	9,370,983	3,423	114,467,212	2,216,857

* 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 2015 - 30 June 2016

Category	Transactions	Value

Debit Card Fraud – PIN Used:
Lost/Stolen	10,156	2,594,502
Never Received	3,694	1,454,666
Counterfeit/Skimming	45,912	16,840,961
Other	3,129	1,082,144
PIN Used Total	62,891	21,972,273

Debit Card Fraud – PIN Not Used:
Lost/Stolen	518	55,321
Never Received	107	22,295
Counterfeit/Skimming	498	109,971
Other	31	56,255
PIN Not Used Total	1,154	243,842

Total Debit Card Fraud	64,045	22,216,115

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