Payment Card Fraud Statistics
Verified statistics on payment-card fraud losses — unauthorised use of debit and credit card details — from the UK Finance Annual Fraud Report 2025 (2024 data).
Last reviewed: 7 July 2026
Payment card fraud covers the unauthorised use of debit and credit card details, including remote (card-not-present) purchases, lost-and-stolen card use, and counterfeit cards. Unlike authorised push payment fraud, card fraud is generally unauthorised, and consumers are often protected by chargeback and liability rules.
The figures below come from the UK Finance Annual Fraud Report 2025, covering 2024. They reflect losses on UK-issued cards and are specific to the UK market and that year.
Key figures
£594.9 million in 2025, a very slight increase from £592.5 million in 2024
Total fraud losses on UK-issued cards
Source: UK Finance Annual Fraud Report 2026 (2025)
£149.8m of the total occurred on transactions outside the UK
UK card fraud committed abroad
Source: UK Finance Annual Fraud Report 2026 (2025)
Remote purchase (card-not-present) fraud cases rose 13 per cent to a record 3,196,962, with a total value of £423.5 million
Direction of card fraud
Source: UK Finance Annual Fraud Report 2026 (2025)
$282,670,235
Credit Card/Check Fraud losses (US, FBI IC3)
Source: FBI Internet Crime Complaint Center (IC3) 2025 Annual Report (2025)
18,774
Credit Card/Check Fraud complaints (US, FBI IC3)
Source: FBI Internet Crime Complaint Center (IC3) 2025 Annual Report (2025)
$736.9 million
Credit cards/payment apps — top scam payment method (US, FTC 2025 update)
Source: FTC Consumer Sentinel Network (2025 data, reported via AARP) (2025)
£158 in 2025, down from £410 in 2015
Average loss per card fraud case
Source: UK Finance Annual Fraud Report 2026 (2025)
£1.33bn of attempted card fraud prevented in 2025
Card fraud prevented by the industry
Source: UK Finance Annual Fraud Report 2026 (2025)
449K
Credit card identity-theft reports, new & existing accounts (US, FTC)
Source: FTC Consumer Sentinel Network Data Book (2024 Data) (2024)
Key takeaways
- UK card fraud losses rose 4% to £572.6 million in 2024, bucking the slight fall in authorised push payment fraud.
- £154.2 million of card fraud took place on transactions abroad.
- Card fraud is generally unauthorised, so chargeback and liability protections more often apply than with APP fraud.
- Remote, card-not-present purchase fraud is the growing pressure point as in-person card security improves.
Frequently asked questions
Is card fraud easier to recover than other fraud?
Often, yes. Because card fraud is usually unauthorised, card scheme chargeback rules and statutory protections frequently allow banks to refund the victim. Authorised push payment fraud, where you sent the money yourself, historically had weaker protection — though dedicated reimbursement rules now exist in some markets.
What is card-not-present fraud?
Card-not-present (CNP) fraud is the unauthorised use of stolen card details for online, phone, or mail-order purchases where the physical card is not needed. It is the dominant form of card fraud as chip-and-PIN has made counterfeiting harder.