Someone might be in your PayPal account. Here’s a quick way to check | usagoldmines.com

According to the FBI’s 2025 Internet Crime Report, the number of reported cybercrimes exceeded 1 million last year, with trends showing a year-on-year increase. A common vector of online crime is the unauthorized access to online accounts. Payment services such as PayPal are a particular target for fraudsters. This quick test shows you how to tell whether your PayPal account has been affected.

You still have access: These steps are crucial now

If you can still log in to your account, act as quickly as possible. Every minute counts.

Step 1: Change your password immediately

Open PayPal directly in your browser. In your account, click on the cog icon in the top right-hand corner, then select “Security” and “Password.” Change your password straight away to a new, secure one containing at least 16 characters, including upper- and lower-case letters, numbers, and special characters. Only use this password for PayPal.

Tip: If you haven’t yet started managing your passwords with a password manager, now is a good time to do so.

Foundry

Step 2: End all active sessions

Click on the cog icon, then on “Security,” and next to “Manage logins,” click on “Manage.” Here you’ll see all active logins, along with the device, location, and timestamp. Remove any entries you don’t recognize.

Step 3: Check linked payment methods

In the top navigation bar, open “Wallet,” check all saved bank accounts and credit cards, and remove anything you didn’t add yourself. Next, check which merchants are authorized to make recurring direct debits from your account: Click on the cog icon, then on “Payments,” and a little further down, open “Direct Debit Payments.”

If an unknown entry appears there, click on it, select “Cancel,” and confirm by clicking “Cancel direct debit payments.” You should also inform your bank if your credit card or current account is linked to the compromised account.

Step 4: Report unauthorized transactions

You can dispute any payment that you did not initiate yourself via the Resolution Center. Click on “Help” in the top navigation bar, then on “Resolution Center” further down the page. There, select the transaction you wish to dispute and click “Continue.” Then select “I want to report unauthorized account access” and follow the instructions.

Foundry

Alternatively, click on the suspicious transaction under “Activity,” select “Get help,” and report the transaction as unauthorized via the PayPal AI Assistant. PayPal usually processes such cases within 10 days and will refund the money, provided you report the transaction within 180 days of the debit.

Step 5: Enable two-factor authentication

If you haven’t already done so: Click on the cog icon, then on “Security” and finally on “Two-step verification.” This ensures that nobody can log in without your confirmation code, even if they know your password. Our 2FA guide explains exactly how this works. An even more secure option is a passkey, which PayPal also offers under “Security.” This eliminates the need for a password altogether.

No longer have access? Here’s how to regain access to your PayPal account

If your password no longer works, the attacker has already locked you out. Follow these steps in this order:

1. On the login page, click on “Forgot your password?” and enter your email address. PayPal will then send a reset link to that address. If the attacker has also changed your email address, you’ll need to contact PayPal’s customer service directly. The quickest way to do this is via www.paypal.com/us/cshelp/personal or by telephone on the freephone number 1-888-221-1161.
2. Have your personal details to hand: date of birth, recent account activity, and payment details. With this information, PayPal can verify your identity and restore access.
3. You should also report the incident to the police. This may sound like a bureaucratic hassle, but it is important: You will often need a reference number for a chargeback via your bank or for any subsequent legal action.

How to protect your account in the long term

A hacked account is a real nuisance. To prevent this from happening in the first place, you should take the following measures or follow these rules:

• Use a password for PayPal that you don’t use anywhere else. A password manager such as Bitwarden or Dashlane helps ensure you don’t have to remember it.
• In your account, under Settings (cog icon) > Security, enable “Two-step verification.” Even better: Set up a passkey. Then attackers won’t be able to do anything even if they have your password.
• PayPal will never send you emails asking you to enter your password via a link. If in doubt, always go directly to the settings via paypal.com and never via links in emails. Our guide shows you the most common phishing warning signs in emails.
• Avoid logging in via open networks in cafés, hotels, or at railway stations, as these are a gateway for attackers. Instead, use a VPN or log in via your mobile data plan.
• Your email account is the key to everything. If attackers gain access to your emails, they can reset your password for virtually any online service. You should therefore also secure your email account with a strong, unique password and two-factor authentication (2FA).