JP — ITmedia
Users Report Losing All Funds From Bank Linked to PayPay; PayPay Explains Causes and Countermeasures
Security1 min read
Some PayPay users said money was stolen from their linked bank accounts through unauthorized transfers. PayPay says the main cause is malware on phones, often installed from fake apps outside official app stores.
What happened
In late October 2026, a post on X got a lot of attention. A user said their parent's PayPay account was misused, and all the money in the linked bank account was taken. PayPay told ITmedia that unauthorized transfers from phones infected with malware have been rising since about August. PayPay says it is working on countermeasures.
Key facts
- Unauthorized transfers have been rising since about August 2026.
- PayPay watches transactions 24 hours a day with AI and dedicated staff.
- Suspicious transactions can be stopped or blocked right away.
- PayPay warned about malware on September 7 and about spending limits on August 28.
- A fake TikTok app called "TikTok 18+" is one example of a risky app.
How the scam works
Criminals spread fake apps through ads, message boards, and links outside official app stores. If you install one, malware can let someone control your phone from far away. They can then use PayPay to send money or pay for things without your permission. Some banks have also warned about fake tax apps, such as a fake e-Tax app, that steal bank app access in a similar way.
Why it matters
Many people link their bank accounts to PayPay, so one infected phone can put all of that money at risk. After the post spread, some users said they were scared and had cut the bank link. Knowing the warning signs can help people protect their money.
What to do now
- Only install apps from Google Play or the App Store.
- Do not allow risky phone control settings, such as VPN full control or accessibility services, for unknown apps.
- Set spending limits for payments, sending money, and top-ups in PayPay.
- Check your PayPay transaction history for transfers you did not make.
- If you installed a suspicious app, read the PayPay compensation help page and apply if you qualify.
Glossary
- PayPay
- A Japanese mobile payment app that lets people pay, send money, and top up using a bank account or balance.
- e-Tax
- Japan's government online system for filing taxes. Fake versions of its app have been used to scam bank users.
- ITmedia
- A Japanese online tech news company that published this article.