EBA Q&A 2019_5056 — Q&A — Data breakdown on fraud by different card functions [Final Q&A]

Data breakdown on fraud by different card functions for cash withdrawals

Question

Does the breakdown on “card payments by fraud types” in Table E of the EBA Guidelines on fraud reporting under PSD2 refer only to cards with a credit/delayed debit function?

Background

The question has been raised by credit institutions.

In our view, the breakdown by fraud type is required for all cash withdrawals using a card, irrespective of the type of card used, i.e. both for cards with a credit or delayed debit function and for debit cards.

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Answer

The breakdown on “card payments by fraud types” in the Data Breakdown E in Annex 2 of the EBA Guidelines on fraud reporting under PSD2 (EBA/GL/2018/05) as amended by the EBA Guidelines EBA/GL/2020/01, refers to all cash withdrawals using a card, including both cash withdrawals using cards with a credit/delayed debit function and cash withdrawals using cards with a debit function.

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Source: EBA original document