Beware of the New Apple Pay Scam Targeting Indian Users

A new scam targeting Apple Pay users in India has emerged, originating from the U.S. Cybercriminals are using fake messages to instill fear and trick users into revealing personal information or transferring money. This article explores how the scam operates, shares a cautionary tale of a woman who nearly fell victim, and provides essential tips to recognize red flags. Stay informed and protect your finances from these sophisticated fraud tactics.

By Narendra Chaudhary Apr 12, 2026, 11:18 IST

Introduction to the Apple Pay Scam

In the era of Digital India, where innovative features are simplifying lives, new threats are also emerging. While online payments have alleviated the need to carry cash, cybercriminals have devised cunning methods to exploit this convenience, often draining individuals' life savings in mere minutes. A significant scam has recently come to light, involving the tech giant Apple, which has left many iPhone users in India alarmed.

Warning for iPhone Users

If you own an iPhone or rely on services like Apple Pay or Apple Cash, it's crucial to stay vigilant. Cybercriminals have developed a new and dangerous tactic that originated in the United States and has now reached India. This Apple Pay scam is rapidly ensnaring victims, leading to the swift depletion of their bank accounts. Let’s explore the details of this scam and how to protect yourself.

How the Scam Works

According to media reports and cybersecurity experts, this alarming scam begins with a seemingly innocuous text message. This message mimics an official Apple fraud alert, claiming that suspicious or illegal transactions have occurred on the recipient's Apple Pay account.

The High-Pressure Tactics of Fake Apple Support

To further instill fear, the message often states that the user's account has been blocked or is under investigation. It provides a helpline number for users to call to resolve the issue. Many users, upon receiving such messages, panic and call the provided number, where the scammer poses as an Apple support representative, bank official, or police officer. These fraudsters are skilled at gaining the victim's trust by using personal information.

During the conversation, they create a sense of urgency, convincing users that their money is at risk and the only way to safeguard it is by transferring it to a secure account. In some instances, they pressure victims to withdraw cash or purchase gift cards, demanding the codes. Once the money is transferred, the call abruptly ends, and the scammer's number becomes unreachable.

A Close Call for One Woman

Recently, a woman received a similar message and was so frightened that she went to the bank to withdraw approximately 1.25 million rupees. Fortunately, a vigilant cashier noticed her distress and advised her to contact the police, preventing her hard-earned money from being lost.

Recognizing the Red Flags

If you receive a suspicious message, be on the lookout for these warning signs:

Unexpected messages from Apple Pay.
A request to call an unknown number.
Urgent and alarming language in the message.
Instructions to transfer money, withdraw cash, or lie to bank staff.
Requests for passwords, OTPs, or banking credentials.

Apple's Official Warning

Apple has officially clarified that the company never sends messages instructing users to call any number or share personal information. They advise checking any security updates solely through device settings or the official app.