Key takeaways from the EBA and ECB joint 2025 report on payment fraud

On 15 December 2025, the European Banking Authority (EBA) and the European Central bank (ECB) published their joint 2025 report examining payment fraud trends across the EU/EEA from H1 2022 to H2 2024. The report reveals that total fraud reached €4.2 billion in 2024 — a 17% increase over the previous year in terms of total value— primarily driven by fraudulent credit transfers (€2.5 billion, up 24%) and card payments (€1.3 billion, up 4%)….
By: A&O Shearman