Identity fraud is a growing concern in the UK, with new research revealing that plastic card fraud was the most common form of identity theft in 2025. According to the study conducted by cyber security experts at Inflection Point, plastic card fraud accounted for 36.29% of all identity fraud cases recorded last year.
The study analyzed data from Cifas, the UK’s leading fraud prevention service, to determine where identity criminals are most commonly using stolen personal information. The research revealed that bank account fraud ranked second, with 63,678 cases recorded in 2025. Combined, card and bank account fraud accounted for almost two-thirds of all identity fraud cases.
Communications fraud, which includes fraud involving mobile phone accounts, was the third most common type of identity fraud, with 27,659 cases reported. Experts are urging Britons to regularly check their bank statements, credit reports, and other accounts for any unfamiliar activity as a precaution against identity theft.
Plastic card fraud, which can involve credit, debit, and store cards, can be a major warning sign for consumers. It is crucial for individuals to regularly review their statements and report any unfamiliar transactions, as small payments can sometimes be easy to overlook.
Bank account fraud, where criminals attempt to access existing accounts or apply for financial products using someone else’s identity, was the second most common type of identity theft. Consumers should be cautious of any unexpected correspondence from their bank or unfamiliar transactions on their accounts.
Communications fraud, online retail fraud, and insurance fraud were also among the most common categories of identity theft, highlighting the need for consumers to be vigilant and regularly monitor their accounts for any suspicious activity.
Iain Godding, Founder of Inflection Point, commented on the findings, stating, “Criminals do not necessarily need your physical bank card to commit identity fraud. Information such as your name, address, phone number, date of birth, and account details can all be useful if enough of it ends up in the wrong hands.”
He also emphasized the importance of regularly checking credit reports as a way to uncover any fraudulent accounts or applications made using stolen personal information. “The sooner something suspicious is spotted, the more quickly you can contact the relevant provider and take steps to secure your accounts,” Godding added.
The study conducted by Inflection Point serves as a reminder for individuals to be cautious and proactive in protecting their personal information from identity thieves. To access the full report, please visit inflectionpoint.uk.
