🇬🇧🇩🇪🇫🇷🇳🇱🇪🇸🇮🇹
WESTERN & NORTHERN EUROPE
Mostly targets and enforcers — Europol, German and Dutch takedowns — plus laundering through London and Swiss banks.
TAP A COUNTRY FOR ITS OWN PAGE
🇬🇧 #8 WCI
United Kingdom
Fraud typesAPP fraud, card fraud, money muling, romance scams, money laundering
£130M+ of London property frozen over Chen Zhi's Prince Group (Oct 2025). Qian Zhimin: 61,000 bitcoin (~£5B) seized; sentenced to 11 years 8 months (Nov 2025). APP (authorised push payment) fraud is a leading UK loss. A significant money-laundering hub.
🇩🇪 Enforcement leader
Germany
Fraud typesRansomware victim, money laundering, Wirecard fraud
Hydra Market seized Apr 2022. Wirecard €1.9B scandal. Strong enforcement but growing target.
🇫🇷 Moderate
France
Fraud typesCard fraud, phishing, ransomware victim, identity fraud
EU's second-largest economy = significant fraud target. Strong SCA (PSD2) reduces card fraud vs US.
🇳🇱 Enforcement hub
Netherlands
Fraud typesMoney laundering, dark web hosting, ransomware
Dark web infrastructure hosted. Europol HQ = enforcement hub. Several major takedowns.
🇪🇸 Moderate
Spain
Fraud typesInvestment fraud, romance scams, crypto fraud
Pig butchering victims. Benidorm call center scams targeting UK retirees. Growing crypto fraud.
🇮🇹 Moderate
Italy
Fraud typesMafia-linked financial fraud, card fraud, identity theft
'Ndrangheta financial crime operations. SIM swap growing. Traditional organized crime adapting to digital.
🇸🇪 Low source
Sweden
Fraud typesRansomware victim, identity fraud
Nordics generally low fraud source. Growing target due to high digital adoption.
🇨🇭 Money laundering hub
Switzerland
Fraud typesMoney laundering, banking secrecy exploitation, crypto hub
Banking system historically exploited for laundering. Growing crypto industry = new fraud surface.
🇮🇪 Low
Ireland
Fraud typesCorporate tax arbitrage, emerging crypto fraud
Tech company headquarters = potential corporate fraud surface. Low street-level fraud.
🇱🇺 #1 Fraud Resilience (Sumsub)
Luxembourg
Fraud typesLowest fraud vulnerability in the world
0.8 Sumsub fraud index score — best in the world. Strong regulation, small population, advanced controls.