One ATM, two kinds of PayPay money
# 日本あるある 👁 103♥ 2💬 1
Put cash into PayPay at a Seven Bank ATM before you verify your ID and it lands as Money Lite. Use the same machine after verification and the new top-up lands as PayPay Money, which you can send to your own registered bank account. The first top-up stays Lite.
One person had loaded ¥40,000 and realized they couldn’t spend it all before leaving Japan. They tried to verify so they could withdraw the balance. Their My Number card had expired, and the app restricted the account. Even if verification had gone through, the ¥40,000 would still have been Lite.
Your PayPay balance in ウォレット includes both. Tap 内訳・送金 to see the split. When you pay from your balance at a supermarket that accepts it, PayPay spends Lite ahead of Money. So you can use the old top-up for groceries and keep the withdrawable part for the bank.
