AFM: 8% of Dutch Crypto Holders Say Fraud Cost Them Money or Crypto

The Dutch Authority for the Financial Markets (AFM) reported on 10 November 2026 that 8% of Dutch crypto holders say they have lost money or crypto to fraud, Crypto Insiders reported. For investment fraud in general, the comparable share was 2%.

The AFM figures also show that 27% of crypto holders say they received a crypto tip or offer they suspected was fraud. For investment fraud in general the figure is 14%. Crypto Insiders noted that the numbers reflect what surveyed consumers say about themselves, not fraud cases confirmed by police or the regulator. The article did not state the sample size or fieldwork dates.

The data appears in a new AFM report on consumers in the crypto market, published about a year and a half after the EU Markets in Crypto-Assets Regulation (MiCAR) took effect. The AFM said that about one in eight Dutch people now hold crypto assets, that most invest small amounts, and that risks remain considerable. Consumers also encounter fraudulent tokens, such as pump-and-dump schemes, according to the regulator.

The AFM’s overall conclusion was that MiCAR was a significant step toward a more mature market, but that consumer protection still needs to improve. It called for stronger, more centralized European supervision and a larger role for the European Securities and Markets Authority (ESMA).

The regulator’s findings rely on self-reported survey answers. Readers should treat the percentages as indicative of consumer experience rather than as an official count of fraud victims.

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Sources:

• Crypto Insiders: Bijna 1 op 10 Nederlandse cryptobezitters verloor geld door fraude

• AFM: uitdagingen voor consumenten in de cryptomarkt