Identity Theft: When criminals illegally obtain and use your personal or financial information without your knowledge, often as a precursor to other financial crimes.³

Payment Fraud: Manipulation of payment systems to steal money, deceive merchants, or exploit banking loopholes.²

Account Takeover (ATO) Fraud: When an unauthorised individual gains control over your online accounts, such as banking or email, typically by acquiring login credentials through various illicit means.²

Investment Fraud: Deceitful practices that lure individuals into fake investments, often by promising returns that are "too good to be true." This type of fraud accounted for the largest share of losses in 2024.³

Imposter Scams: Fraudsters pretending to be someone trustworthy (e.g., a government official, company representative, or family member) to steal money or information, often exploiting emotional triggers like urgency or fear.³

Credit Card and Debit Card Fraud: Unauthorised use of your cards for purchases or withdrawals, often through skimming devices, phishing, or online "Card-Not-Present" (CNP) transactions.²

Online and Digital Scams: Fraud occurring via the internet, typically through deceptive emails, websites, or messages designed to trick you into providing personal information or money.³

Data Grooming: A specific scam aimed at stealing personal data, payment details, and other confidential information to confirm fraudulent transfers. Fraudsters may pose as representatives of financial institutions, law enforcement, parcel delivery companies, employers, or business partners via phone, email, SMS, or chat apps.

Money Mules: Individuals who are recruited, often unknowingly, to "lend" their bank account for a fee to withdraw or transfer illicit money, or to open an account in their own name for others to use. This makes them accomplices to a crime.