Debit Card Fraud Perpetrated in Australia
1 January - 31 December 2009
|  |
| Category | Number | Value ($) |
| Debit Card Fraud – PIN Used: | | |
| Lost/Stolen | 8,993 | 3,082,485 |
| Never Received | 2,517 | 1,159,502 |
| Counterfeit/Skimming | 45,917 | 17,585,337 |
| Other | 5,118 | 2,336,238 |
| PIN Used Total | 62,545 | 24,163,562 |
| |
| Debit Card Fraud – PIN Not Used: | | |
| Lost/Stolen | 661 | 147,740 |
| Never Received | 16 | 9,300 |
| Counterfeit/Skimming | 72 | 33,684 |
| Other | 600 | 117,062 |
| PIN Not Used Total | 1,349 | 307,786 |
| |
| Total Debit Card Fraud | 63,894 | 24,471,348 |
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).
Explanation of Debit Card Fraud Categories
Lost/Stolen - fraud resulting from the loss or theft of an existing card and a fraudulent transaction has taken place. Where the authorised cardholder is NOT in possession of the card and a fraudulent transaction has taken place this is deemed to be Lost/Stolen. Examples include, although not limited to, situations in which it is suspected a family member/friend is using the card and the card details have been compromised, active card left in ATM, customer disputed transactions and PIN given under duress. Card Never Received - fraud where a card has been intercepted (stolen) during delivery to the customer and used before it was received by the customer.
Counterfeit/Skimming - the use of altered or illegally reproduced cards including the replication/alteration of the magnetic stripe and/or changes to the details on the face of the card with intent to defraud. Skimming is a form of magnetic-stripe counterfeiting in which criminals are able to copy magnetic stripe track information (including Card Verification Value - CVV) from a valid card. Information is then encoded on a counterfeit or stolen card and then used fraudulently.
Other - fraud that cannot be categorized under any of the other fraud type categories. This includes identity takeover and false applications, fallback transactions/downtime transactions, merchant collusion in fallback, system malfunctions, bank error etc.
This category does NOT include MOTO transactions, internet transactions or spam phishing which are not acceptable transactions in CECS. Where claims are not investigated and are not confirmed to be fraudulent, they should not be included in the Debit Card fraud reporting (ie. goodwill). etc