Bangkok: CardX, a credit card and financial services provider under SCBX Group, has issued a warning after discovering that online fraud continues to cause financial damage to Thai people. Although the number of scam cases has decreased, the amount of money lost per case has increased significantly. According to the latest data in 2025, Thai citizens remain vulnerable to various scams, with fraudsters employing more sophisticated techniques.
According to Thai News Agency, statistics collected by CardX reveal that in 2025, the number of Thais falling victim to scammers decreased by 42% from the previous year. This decrease reflects the heightened awareness and cooperation of various agencies in disseminating warning information. However, the average financial loss per victim rose by 9%, from 83,800 baht in 2024 to 91,500 baht in 2025. This suggests that scammers are targeting individuals who suffer more severe financial damages.
The most prevalent scam remains the 'online product and service scam,' which accounts for 57% of all cases. Fraudsters use social media platforms to create fake pages, offering products at prices below market value, only to disappear once payment is made. Other common scams include those that trick people into transferring money for prizes or privileges (13%), fraudulent job offers requiring upfront registration fees (11%), lending scams with upfront charges (7%), and investment scams impersonating celebrities or trusted organizations (6%).
CardX has identified the top five impersonation patterns causing significant damage this year. These include impersonating police officers to intimidate and extort money, fraudulent investment invitations promising high returns, posing as government agencies to demand payments for supposed outstanding bills, impersonating shipping companies to request fees for non-existent packages, and pretending to be the Land Department to extort money under false pretenses regarding land title deeds.
Credit card fraud remains prevalent, involving methods like skimming, phishing, and hacking via public Wi-Fi. To combat these threats, CardX has introduced security features allowing users to manage their risks, such as locking card limits, temporarily deactivating cards via the CardX app, and receiving real-time spending notifications.
CardX advises individuals to exercise caution and verify sources before transferring money. Urgent messages should not be blindly trusted, and personal information should never be shared with strangers, especially those claiming to be from government agencies or banks. Protecting oneself is crucial in reducing the risk of cyber threats.