The rise of the Internet has led to criminals altering their tactics
Around one in 10 adults are victims of scams and you are twice as likely to be swindled than have your car stolen.
Traditional offences such as burglary and vehicle theft are continuing to fall.
But official statistics show there were 3.6 million frauds and 2 million computer misuse offences in the year to September.
The shift confirms a change in tactics by criminals, say experts.
Fraud and so-called cyber offences have been included Crime Survey for England and Wales for the first time.
Latest figures show that there were 1.9 million cases of fraud on UK-issued bank and credit cards – an increase of 39 per cent on the previous year.
Brits are warned against assuming all emails are from trustworthy sources
The CSEW shows there were there were a total of 11.8 million crimes committed in the past year.
Crime is changing and the way it is measured needs to change too
Policing Minister Brandon Lewis
But stripping out the two categories puts the figure at 6.2 million.
That is hardly any change compared with previous years, says the Office for National Statistics.
John Flatley, of the ONS, said: “In the past, burglary and theft of vehicles were the high-volume crimes driving trends but their numbers have fallen substantially since then.
“When the CSEW started, fraud was not considered a significant threat and the internet had yet to be invented.
“Today’s figures demonstrate how crime has changed, with fraud now the most commonly experienced offence.
“However, it should be emphasised that the new headline figures, including fraud and computer misuse, are not comparable with those from earlier years.”
An estimated eight in 100 adults are hit by fraud higher than for any other offence type measured in the survey. The rate for computer misuse is four in 100 adults.
Traditional crimes such as burglary are becoming less common across the UK
Excluding fraud and computer misuse, the likelihood of being a victim of crime has fallen considerably over time, the ONS said.
Around 15 in 100 adults are now victims compared with around 23 in 100 a decade ago and the peak in 1995 of 40 in 100.
The ONS report also revealed that police recorded an annual rise of 22 per cent in violent crimes.
This was largely driven by changes in recording methods and by including additional harassment offences.
But there did appear to be “genuine” smaller increases in some categories of violent crime including unlawful killing and knife crime.
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Policing Minister Brandon Lewis said: “Crime is changing and the way it is measured needs to change too so that we can continue to protect families and communities from the biggest threats.”
Commander Chris Greany, of the City of London Police, commented: “The survey shows us that Fraud and Cyber Crime are the largest single crime types today, and the figures only include individuals and not businesses who are also victims.
“Policing is working closely with Government and the private sector to do what we can to arrest offenders, protect victims and provide suitable guidance to help support all people and businesses in preventing fraud.
“There are many ways we can all protect ourselves, websites such as Action Fraud and Take Five provide help and guidance as does our social media streams on twitter and Facebook.”
Brits should remain vigilant online and never disclose personal information such as pin numbers
The Take Five advice is:
1. Never disclose security details, such as your PIN or full banking password.
2. Don’t assume an email, text or phone call is authentic.
3. Don’t be rushed – a genuine organisation won’t mind waiting.
4. Listen to your instincts – you know if something doesn’t feel right.
5. Stay in control – don’t panic and make a decision you’ll regret.
Chief Constable Jeff Farrar, of Gwent Police, said: “The ability to commit crime online demonstrates the need for policing to adapt and transform to tackle these cyber challenges.”
Katy Worobec, director of Financial Fraud Action UK, added: “Banks work extremely hard to protect their customers and stopped £6 in every £10 of attempted fraud in the first half of 2016.
“While the industry invests in new systems to stop the criminals, fraudsters are increasingly targeting people directly, so customers and businesses need to be alert to the threats posed by the continued rise in impersonation scams attempting to trick them out of their personal details and money.”