{"id":2277,"date":"2015-03-17T20:59:00","date_gmt":"2015-03-17T19:59:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=2277"},"modified":"2026-08-07T02:48:46","modified_gmt":"2026-08-07T00:48:46","slug":"online-banking-fraud-losses-halved","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/online-banking-fraud-losses-halved\/","title":{"rendered":"Online banking fraud losses halved"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">Losses caused by fraud in Dutch payments almost halved in 2014 compared with the previous year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The percentage decline was almost the same for every electronic payment method, including debit cards, credit cards and online banking. Since 2012, total losses had fallen consistently from \u20ac81.8 million in 2012 and \u20ac33.3 million in 2013 to \u20ac17.3 million in 2014. Debit card skimming had been virtually eliminated. The Dutch Payments Association and the Dutch Banking Association announced the payment fraud figures.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"468\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Schade-algemeen-768x468-1.gif\" alt=\"Chart showing total payment fraud losses falling from \u20ac81.8 million in 2012 to \u20ac17.3 million in 2014.\" class=\"wp-image-2278\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"anti-skimming-measures-prove-effective\">Anti-skimming measures prove effective<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As expected, debit card skimming was reduced sharply in 2014. Skimming losses fell by 82%, from more than \u20ac6.8 million in 2013 to less than \u20ac1.3 million in 2014. The introduction of EMV chips on all debit cards, geoblocking for debit card use outside Europe and additional anti-skimming measures at unattended payment terminals and ATMs had made skimming unattractive to fraudsters. The last case of skimming at a staffed point-of-sale terminal had occurred in 2012, while the last case at an ATM occurred in late 2013. As skimming had almost disappeared in the Netherlands, the National Skimming Point was disbanded at the end of 2014. Skimmed debit cards could now only be used to obtain money outside Europe.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The largest source of debit card fraud losses was stolen or lost cards, accounting for \u20ac3.3 million in 2014. Criminals often observed the PIN being entered before stealing the card. The banks would therefore increase their communication about this type of fraud in 2015. Contactless payments without a PIN for small amounts and <em>dip &amp; go<\/em> at parking terminals could help reduce opportunities to observe PINs.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"457\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Schade-betaalpassen-768x457-1.gif\" alt=\"Chart comparing debit card fraud losses, including the sharp fall in skimming and \u20ac3.3 million in losses from stolen or lost cards in 2014.\" class=\"wp-image-2279\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"very-low-malware-losses\">Very low malware losses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the continued strong growth of online banking, fraud losses there also more than halved, from \u20ac9.6 million in 2013 to \u20ac4.7 million in 2014, a decline of 51%. As Dutch banks became increasingly effective at automatically detecting and preventing malware fraud, malware losses fell by as much as 90% to less than \u20ac500,000. Phishing caused the largest losses in 2014, at \u20ac3.9 million, down from \u20ac4.7 million in 2013.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"456\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Schade-giraal-768x456-1.gif\" alt=\"Chart showing online banking fraud losses falling from \u20ac9.6 million in 2013 to \u20ac4.7 million in 2014, including phishing and malware.\" class=\"wp-image-2280\"\/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cooperation-is-key-to-success\">Cooperation is key to success<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The banks emphasised that effective cooperation was the key to keeping payments secure. \u201cThe joint efforts of the banks and other organisations are bearing fruit. Public-private partnerships, such as the <a href=\"https:\/\/www.ncsc.nl\/\">National Cyber Security Centre <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> and the Electronic Crimes Task Force, make an important contribution, as do interbank detection systems such as Cybercrime Monitoring &amp; Investigation Services,\u201d said Piet Mallekoote, director of the Dutch Payments Association, and Chris Buijink, chair of the <a href=\"http:\/\/www.nvb.nl\/\">Dutch Banking Association <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (link in Dutch).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Online banking fraud losses fell by 51% in 2014, while total payment fraud losses dropped to \u20ac17.3 million.<\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20,22],"btv_subject_tax":[30,10],"class_list":["post-2277","post","type-post","status-publish","format-standard","hentry","category-news","category-press-release","btv_subject_tax-account-to-account-payments","btv_subject_tax-digital-identity"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Fraude in het betalingsverkeer: Cijfers van 2014 - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"In 2014 ligt de schade door fraude in het betalingsverkeer op een historisch laag niveau. Lees meer over deze belangrijke ontwikkeling.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/news\/online-banking-fraud-losses-halved\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Online banking fraud losses halved\" \/>\n<meta property=\"og:description\" content=\"In 2014 ligt de schade door fraude in het betalingsverkeer op een historisch laag niveau. Lees meer over deze belangrijke ontwikkeling.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/online-banking-fraud-losses-halved\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2015-03-17T19:59:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-07T00:48:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Schade-algemeen-768x468-1.gif\" \/>\n\t<meta property=\"og:image:width\" content=\"768\" \/>\n\t<meta property=\"og:image:height\" content=\"468\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/gif\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Online banking fraud losses halved\",\"datePublished\":\"2015-03-17T19:59:00+00:00\",\"dateModified\":\"2026-08-07T00:48:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/\"},\"wordCount\":397,\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/Schade-algemeen-768x468-1.gif\",\"articleSection\":[\"News\",\"Press release\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/\",\"name\":\"Fraude in het betalingsverkeer: Cijfers van 2014 - Dutch Payments Association\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/Schade-algemeen-768x468-1.gif\",\"datePublished\":\"2015-03-17T19:59:00+00:00\",\"dateModified\":\"2026-08-07T00:48:46+00:00\",\"author\":{\"@id\":\"\"},\"description\":\"In 2014 ligt de schade door fraude in het betalingsverkeer op een historisch laag niveau. Lees meer over deze belangrijke ontwikkeling.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/online-banking-fraud-losses-halved\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/Schade-algemeen-768x468-1.gif\",\"contentUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/10\\\/Schade-algemeen-768x468-1.gif\",\"width\":768,\"height\":468,\"caption\":\"Bar chart \u201cdamage overall\u201d compares damage 2012\u20132014 for account-to-account, debit card, credit card, and cash; highest damage in 2012, especially for debit card. 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Lees meer over deze belangrijke ontwikkeling.","breadcrumb":{"@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/online-banking-fraud-losses-halved\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.betaalvereniging.nl\/en\/news\/online-banking-fraud-losses-halved\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.betaalvereniging.nl\/en\/news\/online-banking-fraud-losses-halved\/#primaryimage","url":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Schade-algemeen-768x468-1.gif","contentUrl":"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Schade-algemeen-768x468-1.gif","width":768,"height":468,"caption":"Bar chart \u201cdamage overall\u201d compares damage 2012\u20132014 for account-to-account, debit card, credit card, and cash; highest damage in 2012, especially for debit card. 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