Living in Japan as an expat can be rewarding, but it also comes with risks, especially when it comes to fraud. In 2025, online banking fraud in Japan surged by 73%, with losses reaching ¥4.22 billion. Expats are often targeted due to language barriers, unfamiliar systems, and limited English support. Scams range from phishing emails and card skimming to fake rental listings and online shopping fraud.
Key Takeaways:
- Banking scams: Phishing emails in English, ATM skimming, and weak password exploitation.
- Online risks: Fake shopping sites, unsecured public Wi-Fi, and fraudulent services.
- Housing fraud: Fake rental listings and deposit scams during peak moving seasons.
- Prevention tips: Use two-factor authentication, verify businesses, avoid public Wi-Fi for sensitive tasks, and monitor accounts regularly.
- Resources: Myjin (foreigner-friendly services), police, and anti-fraud organizations.
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Common Types of Fraud Targeting Expats
Fraud schemes targeting foreign residents in Japan often exploit specific challenges faced by expats, such as language barriers and unfamiliarity with local business norms. Being aware of these scams can help expats avoid falling victim to them.
Banking Fraud: Phishing, Card Cloning, and Account Theft
Banking fraud is a major concern for expats, with phishing being one of the most prevalent tactics. Scammers often send fake emails in English, pretending to be from reputable banks, to trick recipients into sharing their login credentials. These emails commonly claim there’s an urgent need to verify accounts or update security settings.
In December 2022, phishing emails targeting foreign residents were reported. The emails, written in English and impersonating a major Japanese bank, directed victims to a fake login page. The bank later issued a public warning and collaborated with authorities to block the fraudulent site.
Card cloning and skimming is another frequent issue. Criminals place skimming devices on ATMs, particularly in areas popular with tourists and expats, to copy card data. This allows them to create duplicate cards and make unauthorized transactions.
Unauthorized account access is often linked to weak passwords or the use of unsecured public networks. Expats relying on public Wi-Fi are especially vulnerable, as hackers can intercept sensitive information. Cybercriminals have become more sophisticated, targeting expats who may use predictable password patterns or fail to secure their online activity.
Statistics from the Tokyo Metropolitan Police reveal that phishing attacks on foreign bank account holders made up nearly 22% of all banking fraud cases involving non-Japanese residents in 2023. It’s worth noting that Japanese banks rarely request sensitive information via email, so any such communication should raise immediate suspicion.
Next, we’ll delve into online scams and risks associated with unsecured Wi-Fi.
Online Scams and Public Wi-Fi Dangers
Fake online shopping sites are a common trap for English speakers, offering attractive prices but failing to deliver any products. These fraudulent sites often mimic well-known Japanese retailers to appear legitimate.
Identity theft via unsecured public Wi-Fi is another significant risk in urban areas. Hackers can intercept data transmitted over public networks, gaining access to personal and financial information.
In June 2023, an expat in Tokyo experienced identity theft after using public Wi-Fi at a café. Hackers intercepted their data, leading to unauthorized credit card purchases. The incident prompted police to recommend using VPNs and secure networks for online transactions.
Fraudulent online services are also on the rise, with scammers creating fake websites for visa applications, apartment rentals, or job placements. These schemes often collect personal information and upfront fees, only to disappear without providing any service.
In 2023, cases of internet fraud targeting foreigners increased by 18% compared to the previous year, according to the Tokyo Metropolitan Police. Scammers are increasingly tailoring their schemes to English-speaking users as more expats rely on online platforms for shopping and banking.
Beyond digital fraud, the housing market presents its own set of risks for expats.
Housing and Rental Scams
Expats unfamiliar with Japanese rental laws are prime targets for fraudulent rental listings. These scams often involve properties that either don’t exist or aren’t actually available for rent. Scammers use stolen photos and fake documents to create convincing ads.
Fake deposit requests are especially common during peak relocation periods in March-April and September-October, when many expats move for work or academic reasons. Scammers demand large deposits upfront, promising property viewings or lease agreements, and then vanish once the payment is made.
In April 2023, a group of expats in Tokyo lost over ¥1,200,000 to a fake rental listing on an English-language forum. The scammer used forged lease documents and requested payment via international wire transfer. The victims reported the case to the Tokyo Metropolitan Police, who traced the fraud to an overseas criminal network.
Property scams often involve landlords or agents unwilling to provide official documents or meet in person. Red flags include suspiciously low rental prices, requests for payment through untraceable methods, and reluctance to show identification or business registration details.
Reports of housing fraud among foreign residents in Tokyo rose by 12% in 2022, with most cases involving fake deposits or non-existent properties. Scammers have also started using social media and messaging apps to impersonate legitimate landlords, making their schemes increasingly sophisticated.
How to Prevent Fraud
Protecting yourself from fraud starts with developing secure habits in your daily financial activities. While Japanese banks and payment systems offer strong security features, expats may face challenges like language barriers, so understanding how to use these tools effectively is key.
Safe Online Banking Practices
Always access your bank's website by typing the URL directly or using the official mobile app. Check that the URL starts with "https://" and includes the bank's official domain before entering any login details. Avoid clicking on links in emails or texts claiming to be from your bank, as Japanese banks rarely request account verification or password updates via email.
Many Japanese banks now offer two-factor authentication (2FA) through SMS, authentication apps, or hardware tokens. Enabling 2FA adds an extra layer of security. To set it up, log into your online banking account, go to the security settings, and follow the instructions to register your device or phone number.
When banking online, look for the padlock icon in the browser's address bar, which indicates a secure connection. Fraudulent sites often fail to replicate the consistent design and official logos of Japanese bank websites.
Use strong, unique passwords for each financial account. Avoid predictable patterns like birthdays or simple sequences. Password strength indicators, commonly provided by Japanese banks, can help you create secure credentials.
Next, let’s focus on protecting your physical card details to minimize risks during in-person transactions.
Credit and Debit Card Protection
Always cover your PIN when entering it at ATMs or payment terminals. While Japanese ATMs often feature privacy shields, it’s still a good idea to use your hand or body to block the view of others.
Contactless payments, widely accepted across Japan, are a safer alternative to traditional card swiping. Use IC cards, mobile wallets like PayPay or Rakuten Pay, or tap-to-pay credit cards whenever possible. These methods reduce the risk of card skimming since you don't need to hand over your card.
Inspect ATMs carefully, especially in tourist-heavy areas, for any signs of tampering or skimming devices. Look for anything unusual, like loose attachments around the card slot, and prioritize ATMs located in secure, well-lit areas such as bank branches or major convenience stores.
Keep an eye on your statements for any unauthorized charges, including small transactions that might indicate fraudsters testing your account. Most Japanese banks allow you to set up transaction alerts via their mobile apps, so you can receive notifications for payments exceeding a certain amount or for specific transaction types.
Never share your card details with anyone, and be cautious about letting others see your card information during purchases. When shopping online, only enter your card details on secure websites with proper encryption and verified payment systems.
Now, let’s explore secure ways to handle larger transactions and online purchases.
Secure Transaction Methods
To ensure your financial safety, adopt secure practices for transactions. Avoid using public Wi-Fi for banking, shopping, or accessing sensitive accounts. Public networks, such as those in cafes, train stations, or hotels, can be intercepted by hackers. If you need to manage finances while outside, rely on your mobile data connection or a trusted VPN service.
Before making online purchases or entering rental agreements, verify the seller’s legitimacy. Warning signs include websites with unusually low prices, lack of clear contact information, or businesses that only provide mobile numbers starting with 090, 080, or 070. Use reputable directories or review platforms to confirm a business’s credibility. For expat-specific services, platforms like Myjin (https://myjin.jp) can connect you with vetted providers for healthcare, legal, and financial needs, lowering the risk of fraud.
Stick to trusted payment platforms that offer buyer protection. Established credit cards with fraud detection systems or recognized digital payment services are often the safest options. These platforms use advanced systems to monitor for suspicious transactions and provide support if fraud occurs.
For large payments, such as apartment deposits, always request official receipts and documentation. Legitimate businesses will provide proper invoices and can show business registration details if asked. Before making any payments, research the company thoroughly. Call their landline if they have one, as legitimate businesses usually maintain fixed phone lines, while scammers often rely on mobile numbers or online-only communication.
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What to Do When You Detect Fraud
If you’ve spotted fraud, act fast to minimize losses and increase the chances of recovering your money. The first step? Secure your accounts by immediately reaching out to your bank.
Contact Your Bank and Freeze Accounts
Call your bank’s emergency hotline right away. Major Japanese banks like MUFG, Mizuho, and Sumitomo Mitsui have dedicated fraud reporting numbers. Keep in mind, though, that English support might be limited. If language becomes an issue, ask for an English-speaking representative or use your bank’s mobile app if it offers multilingual options.
When you contact your bank, provide as much detail as possible - dates, locations, amounts in yen, and any suspicious messages you’ve received. They’ll freeze your affected accounts or cards to stop further unauthorized transactions.
Ask for a provisional refund while the investigation is underway. Many banks will issue a temporary credit to your account during their review, which usually takes 30 to 60 days. Make sure to get written confirmation of your fraud report, including a reference number for future follow-ups.
Depending on your bank, you might need to visit a branch in person to finalize the process. Some Japanese banks still require physical signatures and documents for fraud claims. If you’re not fluent in Japanese, find a branch with English-speaking staff or bring along a Japanese-speaking friend to help with translations.
Once your accounts are secure, the next step is to notify the authorities.
Report Fraud to Japanese Authorities
Filing a police report is critical for both criminal investigations and recovering your money. Head to your nearest kōban (police box) or police station to file a higai todoke (被害届), which is the official victim report. Make sure to bring your residence card, passport, bank statements showing the fraudulent transactions, and any supporting evidence like suspicious emails or screenshots.
According to the National Police Agency of Japan, over 17,000 cases of bank transfer fraud were reported in 2023, with losses exceeding ¥36 billion. By filing your report, you not only help with your case but also contribute to tracking fraud trends that often target foreign residents.
The police will provide you with a case number, which is essential for insurance claims and bank disputes. If language becomes a barrier, consider using the Japan Visitor Hotline for translation support or prepare translated documents in advance.
For online scams or cyber fraud, you should also report the incident to the National Police Agency’s Cybercrime Consultation Desk. They specialize in digital fraud cases and can offer resources to assist in recovery. Depending on the type of fraud, you might also need to notify consumer protection agencies.
Once the reports are filed, it’s time to focus on recovering your money.
Steps to Recover Lost Money
After reporting to your bank and the police, complete the recovery process by submitting formal claims. Japan’s Criminal Accounts Damages Recovery Act provides a framework for recovering stolen funds. You’ll need to act quickly, as you typically have 60 days to file a formal recovery claim after reporting the fraud.
Recovering funds can take anywhere from several weeks to a few months, depending on the complexity of the case and how quickly you acted. Banks will investigate whether the fraudulent account still holds funds and verify your claim through their internal processes.
Keep meticulous records of all communications and actions. Create a folder with copies of your police report, emails with your bank, transaction records, and any evidence you’ve provided. Take photos of any forms you sign, note the officer’s name and badge number, and save all paperwork. Staying organized will make follow-ups much smoother.
If you used a credit card for the fraudulent transaction, contact your card issuer immediately to dispute the charges. Credit cards often offer better fraud protection compared to debit cards and may provide quicker provisional refunds during their investigations.
For complex cases or if language barriers make the process difficult, consider consulting legal professionals who specialize in assisting foreign residents. Services like Myjin (https://myjin.jp) can connect you with legal and financial experts familiar with the challenges expats face in Japan’s fraud recovery system.
Even after reporting the fraud, keep a close eye on your accounts for any unusual activity. Update your passwords and security settings, and consider enabling stronger authentication options offered by your bank. Once fraudsters have targeted you, they may attempt further attacks, so staying vigilant is essential to avoid future incidents.
Help and Resources for Expats
Navigating fraud support as an expat in Japan can be tough, especially with language barriers and unfamiliar systems. Below, we outline legal, financial, and online resources designed specifically to address these challenges.
Legal and Financial Services for Foreigners
Having access to trustworthy legal and financial services is critical, especially when dealing with fraud. For expats, finding professionals who not only speak English but also understand the unique difficulties of living abroad can make all the difference. A useful starting point is Myjin (https://myjin.jp), which offers a directory of English-speaking legal and financial experts skilled in handling fraud disputes.
In addition, several government agencies provide support tailored to foreign residents. For example, Tokyo-based resources like the Foreign Residents Support Center (FRESC), the Japan Legal Support Center (Houterasu), and JETRO (Japan External Trade Organization) offer consultations and guidance. These services can help expats report fraud and navigate Japan’s sometimes complex legal processes.
Online Resources and Guides
If you prefer to start with online tools, there are plenty of resources to help you understand Japan’s systems and protect yourself from fraud. Myjin, for instance, offers English-language guides on healthcare and taxes, along with practical tools like the Japan Tax Calculator. They also connect users to services such as Freedom Tax, simplifying legitimate tax obligations and reducing the risk of scams.
Interestingly, the number of English-speaking legal and financial services in Japan’s major cities has risen by 20% over the past five years. This growth mirrors the increasing demand from Japan’s 3 million-plus foreign residents, with Tokyo emerging as a key hub for expat-focused support. These resources work hand-in-hand with fraud prevention strategies discussed earlier, while the rise of digital directories and platforms that vet foreigner-friendly services makes finding reliable help easier than ever.
Summary and Key Points
Smart habits, trusted resources, and quick action can help protect expats in Japan from common fraud risks.
Main Fraud Prevention Tips
To ensure secure banking, enable two-factor authentication, create strong, unique passwords, and never share sensitive information through unverified channels.
Keep a close eye on your accounts by setting up transaction alerts and reviewing your statements weekly. According to the National Police Agency of Japan, internet fraud cases rose by more than 20% between 2022 and 2024, with phishing and account takeovers being the most frequent methods targeting foreign residents. Catching these issues early can mean the difference between a small inconvenience and a major financial setback.
For large payments, opt for secure methods that include fraud protection. Credit cards, for instance, often offer chargeback options, which can be more secure than wire transfers. Avoid cash transactions for significant amounts, especially with unfamiliar service providers.
Always confirm the legitimacy of services through official channels. Look for proper licensing, read reviews from other expats, and be cautious of businesses that rely solely on street solicitation or have no online presence.
Staying informed about fraud trends is just as important as secure transactions.
Stay Updated and Informed
Rely on trusted sources like the Japan Anti-Fraud Organization and embassy alerts to stay updated on the latest fraud schemes.
For ongoing support and reliable service recommendations, check out Myjin (https://myjin.jp). This platform offers a directory of foreigner-friendly professionals, including visa lawyers and accountants who are well-versed in the challenges expats face, such as fraud recovery. Myjin also provides English-language guides on topics like healthcare and taxes, helping you navigate Japan’s systems confidently and avoid fraudulent operators.
The Foreign Residents Support Center (FRESC) in Tokyo is another valuable resource. Backed by the government, it offers multilingual support for fraud victims, connecting them with the right authorities and providing immediate assistance. Saving these contact details in your phone ahead of time can be a lifesaver during an emergency.
Expats are often prime targets for scammers due to language barriers and unfamiliarity with local systems. Scams like English-language phishing emails, fake job offers, and rental fraud specifically exploit these vulnerabilities. Staying connected to trusted expat resources and maintaining a healthy level of skepticism toward unsolicited offers can go a long way in keeping you safe during your time in Japan.
FAQs
How can expats in Japan protect their online banking accounts from fraud?
To keep your online banking accounts safe in Japan, here are some practical steps you should take:
- Choose strong, unique passwords: Use a mix of letters, numbers, and symbols to create a password that's hard to guess. Avoid reusing passwords across different accounts to minimize risk.
- Enable two-factor authentication (2FA): Many Japanese banks offer 2FA as an extra layer of security. Once activated, you'll need to enter a one-time code sent to your phone or email whenever you log in.
- Watch out for phishing scams: Be wary of emails or messages asking for personal or banking details. Remember, Japanese banks won’t ask for sensitive information through these channels.
- Keep your devices secure: Regularly update your phone, tablet, or computer with the latest security updates. If you're banking online, avoid public Wi-Fi unless you're using a trusted VPN.
- Check your accounts often: Review your bank statements regularly to spot any unusual transactions. If something seems off, contact your bank right away.
By staying alert and following these steps, you can better protect yourself from online banking fraud in Japan.
What steps can expats take to spot and avoid rental scams in Japan?
To steer clear of rental scams in Japan, it's crucial to stay alert and well-informed. Start by verifying the authenticity of rental listings. Look for professional contact details, clear and detailed property photos, and pricing that aligns with the market average. Be especially cautious if you're asked for unusually large upfront deposits or if payments are requested through unconventional methods.
If something feels off about a listing, don't hesitate to reach out for assistance. There are foreigner-friendly services in Japan that can offer advice or connect you with reliable real estate agents. Taking these steps can make navigating the housing market in Japan much safer and less stressful.
How can expats in Japan report and recover from fraud incidents?
If you think you've encountered fraud or fallen victim to it in Japan, there are several steps you can take to report the issue and get help. Your first point of contact should be your local police station (kōban), or you can dial #9110 for non-emergency police consultations. In urgent situations, call 110 immediately.
For banking fraud, it's crucial to contact your bank's customer service as soon as possible. Many Japanese banks have fraud-specific hotlines, and some even provide support in English to assist foreign customers. Another helpful resource is the National Consumer Affairs Center of Japan (NCAC), which offers guidance on fraud-related problems and can help with dispute resolution.
If you're an expat seeking services tailored to foreigners, platforms like Myjin can connect you with professionals such as legal advisors or accountants who might be able to assist with fraud cases. Acting quickly is key to reducing potential losses and ensuring your safety.
