EBA Fraud Taxonomy Version 7.0

The updated version of the taxonomy is available now!

OCT Inst: momentum builds for cross-border instant payments

Where does OCT Inst stand today? Explore the impact of the full amount principle, lessons from early movers, and new Swift scheme synergies.

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New! EBA Global Seminar 2026 in Miami

Registration for the seminar on 24 and 25 September is now open!

Join us to discuss “Global Payments: Instant. Digital. Smart. Embedded”

The ripple effects of regulation on liquidity management – Part II

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Get ready for OCT Inst!

Don’t know where to start with implementing OCT Inst? A new EBA white paper explains why and how to begin

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FIDA: the catalyst for an open data economy?

A practitioners’ view on the opportunities and challenges of the proposed Financial Data Access (FIDA) regulation

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Upcoming events

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Advanced training module on tokenisation of money and digital assets

One-day training course
 
   Online

EBA Global Seminar 2026

"Global Payments: Instant. Digital. Smart. Embedded"
 
   Online

EBA Open Forum on Digital Transformation

"Securing a bright future for payments"
 
   Online

EBA Academy

360° payments training course
 
   Online

EBA Academy

360° payments training course
 
   Online

EBA Academy

360° payments training course
 
   Online

EBA Summer School 2026

“The Edge of Tomorrow: Digital payments strategy in an era of constant change”
 
   Online

EBA Board meeting

 
   Online

EBA/EBACL Board joint session

 
   Online

EBA Board seminar

 
   Online

Latest news

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Jun
10

New report! Supercharging Embedded Finance with agentic AI

The Euro Banking Association (EBA) today announced the publication of a new report by its Open Finance Working Group. The new report outlines the impact of agentic AI on key areas of embedded finance and delineates future roles for financial institutions.

Jun
3

EBA releases EBA Fraud Taxonomy version 7.0

The Euro Banking Association (EBA) today issued version 7.0 of the EBA Fraud Taxonomy, which will take effect on 1 January 2027. The taxonomy is reviewed on an annual basis with the support of fraud fighters from financial institutions across Europe. The aim of this process is to ensure that the taxonomy continues to fit the changing needs of fraud experts in Europe and beyond.
Version 7.0 has been updated to reflect the latest fraud trends identified by the experts participating in the Association’s Expert Group on Payment Fraud-related Topics (EGPF), which has developed the EBA Fraud Taxonomy. The following principal updates have been included in version 7.0:
• The modus ‘emotional manipulation’ in the high-level classification ‘please help’ has been replaced with the following three more specific modi: ‘support a friend or family member fraud’, ‘romance fraud’ and ‘charity / donation fraud’.
• Three new labels/tags have been added covering, respectively, suspected money mule activity and a fraud trend referred to as ‘card chip relay’.
An overview of the changes introduced into version 7.0 is set out in the Annex of the document.
The EBA Fraud Taxonomy provides a simplified and straightforward framework to describe fraud scenarios related to all kinds of payments, including card transactions. It equips fraud fighters with a harmonised pan-European vocabulary and categorisation approach for naming and organising fraud types for payments. This makes fraud data and intelligence comparable and, consequently, improves the quality of fraud monitoring, reporting and information sharing.
The fraud taxonomy is well-placed to support the overall shift towards coordinated, pan-European fraud-fighting, e.g. by helping to classify data that may be shared through information-sharing arrangements under the forthcoming Payment Services Regulation.

A free copy of the EBA Fraud Taxonomy can be requested via the EBA website.
To learn more about the EBA Fraud Taxonomy and its key use cases, consult this management summary.
Nov
20

EBA publishes new report on major impact of EU regulatory developments on liquidity management

The Euro Banking Association (EBA) has released a new report examining the far-reaching implications of three key European regulatory initiatives for liquidity management across the financial sector: the Instant Payments Regulation (IPR), the proposed Payment Services Regulation (PSR), and the proposal for Payment Services Directive 3 (PSD3), an evolution of PSD2.

Developed by the EBA Liquidity Management Working Group (LMWG), the paper explores how these measures are expected to accelerate the uptake of instant payments, promote a level playing field among market participants and transform the liquidity management landscape.

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Download fact sheet

Download full report from EBA Member Portal