Time and time again we hear reports of people being taken in by what is known as “special fraud” (tokushu sagi) in Japan. What makes fraud “special” is when the perpetrator never meets their victim face-to-face and instead communicates by telephone, Internet, or even postal mail, impersonating family members, official agencies, or, in some rare cases, Mick Jagger.
The nation’s elderly are at particular risk to this form of crime and year after year are handing over large sums of money to these anonymous criminals. This leaves law enforcement and governments at a loss for how to stem this rampant crime.
▼ Both incidents and damages took a refreshing drop last January down to a nationwide total of 8 billion yen from a peak of 14 billion the previous month.

Osaka Prefecture is said to be one of the hardest hit areas when it comes to special fraud, so lawmakers there have taken countermeasures to new heights and issued a ban on seniors using the telephone while also operating ATM machines.
In addition to the ATM phone ban on the elderly, the ordinance, which passed prefectural assembly in a unanimous vote on 24 March, requires all businesses with ATMs installed to hang posters telling everyone to not use the phone and ATM at the same time and set a daily limit of 100,000 yen on bank transfers made by seniors. Also, places that sell prepaid cards will be required to check that the purchaser is at no risk of being a victim of fraud.
This is the first ordinance of its kind in Japan, but it should be noted that like similar ordinances in the past, like Kagawa Prefecture’s video game restrictions, there are no penalties for failure to comply. However, since the ordinance applies to businesses such as banks, it is likely they will take it seriously as a matter of their own corporate image towards social responsibility. I dare anyone who disagrees to find a Japanese company’s website that doesn’t boast about how they’re adhering to the UN’s Sustainable Development Goals (SDGs) in one way or another.
Comments by readers of the news online largely felt the ordinance was problematic for a few reasons, but many seemed to agree that special fraud is a complicated issue with no easy solutions.
“It’s really infuriating that people’s pensions that they worked so hard to earn are being taken by criminals.”
“They have their work cut out for them. Seniors don’t like to admit they’re being fooled or change their ways.”
“It’s tyrannical to limit senior’s transfers. If they have to use a teller, they should be able to pay the same fees as an ATM.”
“I think just having a rule like this will make bank employees more motivated to get involved, so I think it’s fine.”
“It’s not like young people are immune to fraud either.”
“Talking on a phone at an ATM is annoying anyway. They should ban it for everyone.”
“I just want them to find some way to catch these criminals.”
“How do they even define ‘elderly?’ Are they going to ID us at the ATM?”
Japan Post (which is also a bank) is already taking steps to address the problem, with AI detecting when ATM users are on the phone. The same AI could conceivably be used to detect the users’ ages too.
Ultimately, special fraud won’t disappear until more sophisticated ways of rooting out the offenders are developed, but until then, hopefully, measures such as this will help to curb the damage they’re causing to society.
Sources: Sankei Shimbun, NHK News Web, Hachima Kiko, National Police Agency
Read more stories from SoraNews24.
-- Japan’s new ATMs automatically play anti-fraud videos to people talking on mobile phones【Video】
-- Thinking she was giving money to Mick Jagger to invest for her, woman conned in Aomori
-- Japan considering restricting senior citizens’ access to ATMs
- External Link
- https://soranews24.com/2025/03/26/osaka-prefecture-bans-seniors-from-talking-on-the-phone-while-using-atms/
21 Comments
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tamanegi
"...there are no penalties for failure to comply."
All we need to know.
Speed
This can be quite problematic. My uncle often makes transfers way higher than this and it's a part of his business. He's over 80 but sharp as a tack.
As for Osaka doing this, it's no surprise since they've continually have had the highest crime rate in Japan.
GuruMick
Penalties for failing to comply no better than the fraudsters.
Japanese people need "guidance and supervision " in their elderly years.
Sounds condescending but it is reality.
I am sure exceptions for elderly "sharp as a tack " can be made...probably use a bank...deal with a human.
Gotta say, this fraud style does hook many people.
BB
Easier said than done. Those calls are coming in all the time, and the fraudster always tells the victim not to tell anyone else about it - because of shame or whatever, so the victim gets the idea that he/she is the only hope for getting the kid out of jail. Or whatever the fake problem is. I've had two calls over different phones in the last four months. (I intended to play along, but lost my temper and ended the show)
Daniel Neagari
I would argue, any elder people that has access to phones, ATMs and has family living elswhere needs constant guidance regarding "new" technology.
I suppose, when the time comes, it will happen to me too?... Though for the time being, I am already older than my parents when I had to explain them hoe connecting the modem to the PC will allow the PC to function as a voice machine, recieve and send Faxes and even made phone calls... and I can still explain how the thingy operates when you download the app thing to the phone thing and so on....
So maybe that time may come later to leter generations...but I am sure it will come the time when I too will need to be superviced and be guided
sakurasuki
So ATM just will reject transfer over limit because AI consider you are too old.
el
BS. And what age do they set for seniors? This is ridiculous.
2 Year Old
Yesterday a car was driving around my neighborhood blasting out on loud speakers (Nihombashi, Tokyo)… don’t talk about money on the line app, don’t reply to “it is me” messages on apps etc…
I have barely told anyone or anywhere my phone numbers in 15 years… only my daughters schools and sports basically… pat 6 months bombarded with scammer calls in Japanese from unknown numbers of 800 numbers etc…
so I have fun and games with them speaking all kids of no send in different languages and wasting their time. But I pity the gullible who fall for it.
itsonlyrocknroll
I witnessed my Mother, in horror.
Mum at an ATM whilst on a mobile, multitasking as the card was dispatched into the mouth of the cash dispenser, then counting the bills for any potential "blaggers" to form queue. In downtown Kochi
I really don't think a ban is going to make a difference?
itsonlyrocknroll
Mother is not a pensioner.......ho hum
CaptDingleheimer
At first I thought this was to prevent them from taking longer than they do already. Cumulatively, I've lost hours of my life while waiting for old ladies to finish refinancing their mortgages (or whatever the hell they're doing) at Japanese ATMs.
itsonlyrocknroll
Nine out of ten It is a "false pretense" of personal security.
Standing in an area that is the very definition of CCTV surveillance.
Until hoodie san silvers in undetected, to rob you off your hard erased, also your phone
Bret T
I hope it works. Scammers are one of the lowest forms of humans. Preying on the elderly is particularly despicable.
@Japan Glimpsed
Hmm. You'll want to visit the homepage of Niigata Kotsu, the largest bus company in Niigata. I'll leave you to do the searching.
That would be 65. Glaring omission.
owzer
The limit they have on the rest of us is ridiculous enough!
@Japan Glimpsed
Perhaps you're thinking Niigata Kotsu doesn't count. Okay. Here's 100-en shop giant Daiso's mission statement per its website:
企業理念 – ミッション
自由な発想で、楽しさと豊かさを提供し続ける
なんだ!ダイソーにあったんだ、
こんなものまであったんだ!の感動の追求
Hardly UN Sustainable Development Goals-level stuff. And tucked away, the paltry bit there is.
Don't dare your 'dear' readers to disprove you.
The_Beagle
This just like how wearing helmets and masks was banned when using ATMs. until they weren't.
The_Beagle
Concealing your identity is not a crime, it's manners!
3RENSHO
¥100 Yen Store Daiso Corporate Philosophy – Mission:
Continue to provide fun and abundance with free thinking
Pursue excitement with "Wow! I didn't know they had this at Daiso!"
I didn't know they had something like this!
WoodyLee
""What makes fraud “special” is when the perpetrator never meets their victim face-to-face and instead communicates by telephone, Internet, or even postal mail,""
SMART MOVE but,
The answer to all this is to have vulnerable seniors show the Scum Scammers contact info to their local police officers or care givers or anyone whom they trust and ask for if it's okay??
Simple as that.
But GREED is so tempting that many seniors think they Finally hit the big one and so they keep it secret then they GET SCAMMED.
IMadeAnAccountJustForThis
Problem with this idea is that the person being scammed doesn't think they are being scammed, so they don't see a need to go to the police until it's too late