Payment Fraud Rises By 30%: What You Need to Know

30% Increase in Payment Fraud By 2025

8 July 2026 on 07: 55

Reading time: 2 minutes

In the year 2025, the number of fraudulent transactions in Dutch payment traffic will have increased by 30% to approximately 658.000, while the total amount of fraud rose by 22% to €198 million. This information comes from the latest figures from De Nederlandsche Bank, which is publishing this data in this format for the first time.

Relative increase in payment fraud

Although the increase is significant, payment fraud remains relatively limited compared to total payment traffic. Of the approximately 27 million transactions that take place daily in the Netherlands, only 1.800 are fraudulent on average, which corresponds to seven fraudulent payments per 100.000 transactions.

Largest increase in European bank transfers

The largest increase was observed in European bank transfers. The number of fraud cases rose by 55% to 129.000 transactions. The amount of fraud also increased, from approximately €121 million in 2024 to €148 million in 2025. According to the DNB, consumers and businesses are increasingly being misled into transferring money themselves. The most common forms of this are bank helpdesk fraud, fraud involving false payment requests, investment fraud, and scams perpetrated by individuals posing as family members or acquaintances.

Increase primarily in instant payments and international transfers

The increase is particularly visible in instant payments and international transfers. These transactions are processed quickly (within ten seconds) or go to foreign accounts, making fraudulent transactions more difficult to cancel.

Despite strong growth in transfers, payment card fraud remains the most common type of payment fraud. In 2025, DNB recorded approximately 514.000 fraudulent card transactions, more than a quarter more than a year earlier. The amount of fraud rose from €36 million to approximately €41 million during the same period.

Fraud involving cash withdrawals also increased. This form of fraud is primarily linked to the misuse of lost or stolen debit cards. The number of fraudulent cash withdrawals rose from approximately 12.000 in 2024 to 15.000 in 2025. The associated fraud amount increased from €6 million to approximately €10 million.

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