--- title: "EBA Q&A 2019_5056 — Q&A — Data breakdown on fraud by different card functions [Final Q&A]" shortTitle: "EBA Q&A 2019_5056 — Q&A — Data breakdown on fraud by different card functions [Final Q&A]" answer_id: EBA_QA_2019_5056 status: "Final Q&A" type: qa instrument_type: qa authority: EBA binding: false binding_character: non_binding legal_status: in_force regulation: "PSD2" psd2_level3: true mica_level2: false legal_basis: "Article 96(6) PSD2" date: 24 July 2020 source_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_5056 lifecycle: "Final Q&A" text_version: "EBA Q&A register, 24 July 2020" source_url: "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_5056" check_status: matched verified: true last_checked: 2026-10-26 checked_against: "the EBA publication" source: prepared_by: "EBA" published_by: "EBA" published_in: "EBA Single Rulebook Q&A tool" evidence: prepared_by: "Answer prepared by the EBA." locator: "EBA Q&A register entry 2019_5056, field 'Answer prepared by'" document_type: "qa_answer" legal_nature: "not_legislation" addressees: "not stated in the document" dates: published_on: "2020-07-24" question_submitted_on: "2019-12-19" locators: published_on: "EBA Q&A register entry 2019_5056, field 'Final publishing date'" question_submitted_on: "EBA Q&A register entry 2019_5056, field 'Submission date'" lifecycle_label: "Final Q&A" --- **Answer by the EBA, published in its Q&A tool · not legislation · published 24 Jul 2020 [Final Q&A]** *Final Q&A · EBA Q&A register, 24 July 2020 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_5056)* | | | |---|---| | **Full title** | EBA Q&A 2019_5056 — Q&A — Data breakdown on fraud by different card functions \[Final Q&A\] | | **Prepared by** | EBA | | **Published by** | EBA, in the EBA Single Rulebook Q&A tool | | **Reference** | EBA_QA_2019_5056 | | **Document type** | Q&A | | **Legal nature** | Not legislation | | **Addressees** | Not stated in the document | | **Dates** | Published 24 July 2020; question submitted 19 December 2019 | | **Legal basis** | Article 96(6) PSD2 | | **Related instruments** | None recorded | | **Text on this page** | Word for word — the full text of the EBA publication | **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. *** ### 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. *** **Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2019_5056) ## Related Level 1 articles - [Article 96 — Incident reporting](../../../articles/96.md)