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Bank Fraud Help · Asia

Japan: How to Report Bank Fraud

If money left your account without your permission, or you were tricked into sending it, contact your bank or payment provider straight away. The faster they hear from you, the better the chance of stopping or recovering the money. Below are the official fraud and card lines for 5 providers in Japan.

Do this first

  1. Call your bank’s fraud or card line now. Use a number from this page, the back of your card, or your bank’s official app. Never use a number from a text, an email, a caller or a search ad.
  2. Block your card or freeze your account in the app if you can, and change your online banking password.
  3. Ask the bank for a reference number, and write down the time you reported it.
  4. Report it to the police as well: see who handles cybercrime in Japan.
  5. Keep everything: messages, call logs, screenshots and transaction IDs. Your bank will never ask for your PIN, password or a one-time code.

Know this about Japan

  • Numbers starting 0120 are free but usually cannot be dialled from abroad: use the overseas numbers listed.
  • Refunds for online banking or phishing losses depend on each bank's own policy; the law only guarantees refunds for ATM withdrawals with stolen or counterfeit cards.

Bank and payment fraud lines

MUFG Bank (三菱UFJ銀行)

Bank
  • Internet banking fraud (free):0120-111-082(24/7, except 2nd Saturday of the month 9pm to 6:40am)
  • Internet banking fraud, from overseas (paid):050-3786-0082(24/7, except 2nd Saturday of the month 9pm to 6:40am)
  • Lost or stolen cash card or passbook (free):0120-544-565(24/7, except 2nd Saturday of the month 9pm to 6:40am)
  • Lost or stolen cash card or passbook (paid):03-5637-0875(24/7, except 2nd Saturday of the month 9pm to 6:40am)
  • Debit card (Visa: press 1, JCB: press 2):0570-070-735(Daily 9am–5pm, closed 31 Dec–3 Jan)
  • Debit card, from overseas:050-3786-7350(Daily 9am–5pm, closed 31 Dec–3 Jan)
  • MUFG-VISA credit card:0120-571-034
  • MUFG-VISA credit card, from overseas:03-6745-3255

App or online: 三菱UFJ銀行 app or かんたん手続アプリ: suspend a lost cash card or passbook at once, without waiting on the phone

Source: MUFG Bank (三菱UFJ銀行) official page

SMBC (三井住友銀行)

Bank
  • Entered details after a suspicious email: suspend SMBC Direct (menu 4, free):0120-324-310(24/7)
  • Unauthorised withdrawals (free):0120-322-775(Mon–Fri 9am–5pm, closed 31 Dec–3 Jan)
  • Unauthorised withdrawals, outside those hours (free):0120-956-999
  • From overseas or if freephone fails (paid):03-5539-2745
Source: SMBC (三井住友銀行) official page

Mizuho Bank (みずほ銀行)

Bank
  • Unauthorised use of Mizuho Direct or Pay-easy (free):0120-324-878(Mon–Fri 9am–9pm; weekends and holidays 9am–5pm)
  • Unauthorised use, outside those hours (paid):0570-099-324
  • Lost or stolen card or passbook (free):0120-415-415
  • Lost or stolen card or passbook, paid or from overseas:03-5500-3737
  • JCB Debit card:0570-099-766(9am–5pm, closed 31 Dec–3 Jan)
  • Mizuho Mileage Club credit cards (free):0120-1-32402(24/7)

App or online: Mizuho's fraud page tells you which line to call from the statement description (ネット, JCBデビット, ATM): https://www.mizuhobank.co.jp/help/direct_crime/index.html

Source: Mizuho Bank (みずほ銀行) official page

Japan Post Bank (ゆうちょ銀行)

Bank

App or online: Report loss or theft online: https://funshitsu.jp-bank.japanpost.jp/

Source: Japan Post Bank (ゆうちょ銀行) official page

PayPay

Wallet

App or online: Report a scam payment in the app's 送る・受け取る (Send/Receive) screen, then apply for compensation with the form described at https://paypay.ne.jp/help/service/service-compensation/

Source: PayPay official page

If your bank won’t help

Financial Services Agency (FSA) Financial Services Users Counselling Office

Advice on a dispute with a bank or payment provider. It refers you to the right body but does not mediate.

Call 0570-016811 (from IP phones 03-5251-6811), weekdays 10am–5pm; press 1 for deposits and loans, 4 for prepaid and money transfer. 10–11am is very busy.

Official website

Japanese Bankers Association (Zenginkyo) Consultation Centre

Complaints about a bank, and formal dispute resolution (mediation) with banks.

Call 0570-017109 or 03-5252-3772, weekdays 9am–5pm (closed 31 Dec–3 Jan). The lines can be hard to get through on.

Official website

Your rights

  • Act on the Protection of Depositors from Counterfeit and Stolen Cards (Act No. 94 of 2005). If a stolen cash card is used at an ATM, the bank must refund withdrawals made from 30 days before you told it, provided you reported promptly, explained what happened and reported to the police; the refund can be cut to three quarters if you were careless, or to nothing if you were grossly negligent. It covers ATM withdrawals with counterfeit or stolen cards, not online banking or phishing transfers. Source
  • Mizuho Bank stolen-passbook compensation terms. You can claim for withdrawals made with a stolen passbook from 30 days before you told the bank, if you report promptly, explain what happened and show a police report; the amount can be cut to three quarters if you were careless. Claim within 2 years of the theft. Source

Report it to the police too

Banks often ask for a police report before they investigate. Cybercrime agencies in Japan lists who to report to, and our step-by-step guide covers the rest: How to Report a Scam in Japan (and Recover Your Money).

Every number on this page was read on the provider’s or regulator’s own website on 3 October 2026. Banks change numbers, so if one doesn’t work, use the number on your card or in the official app, and tell us so we can fix it. See every country in the Bank Fraud Help directory.