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# ANNEX

**Commission Delegated Regulation (EU) 2018/389 · binding · OJ L 69, 13.3.2018 · dated 27 Nov 2017 [in force]**

*In force · Consolidated version of 12 September 2023 · Checked against EUR-Lex on 26 Oct 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02018R0389-20230912)*

<a id="annex"></a>

<!-- table: t01 -->
<table>
<tbody>
<tr><td></td><td colspan="2"><strong>Reference fraud rate (%) for:</strong></td></tr>
<tr><td><strong>ETV</strong></td><td><strong>Remote electronic card-based payments</strong></td><td><strong>Remote electronic credit transfers</strong></td></tr>
<tr><td>EUR 500</td><td>0,01</td><td>0,005</td></tr>
<tr><td>EUR 250</td><td>0,06</td><td>0,01</td></tr>
<tr><td>EUR 100</td><td>0,13</td><td>0,015</td></tr>
</tbody>
</table>
<!-- /table -->