Money mule scams:

How can letting others use your bank account lead to trouble? 

Money muling is a serious crime, and you could get involved if you let someone use your bank account.

A money mule is someone who helps criminals move money illegally – knowingly or not. Criminals might ask you to receive money into your account and then transfer it to another account.

How can I avoid becoming a money mule?

  1. Be wary of unexpected offers: If someone offers you a quick and easy way to make money, especially if you don’t know them, it’s likely a scam.

  2. Keep your personal information safe: Avoid giving out your bank account details, passwords, or other personal information to anyone you don’t know and trust.

  3. Research job offers: If you’re unsure about a job offer, research the company online to check for complaints or negative reviews and stick to well-known job sites.

  4. Talk to someone you trust: If you’re unsure about something, talk to a friend or family member. They can help you make the right decision. 

  5. Report suspicious activity: If you think you’ve been involved in a money mule scam, it's important to seek help immediately. Report it to the police and your bank right away for support and guidance.

Will I be at risk if I didn’t mean to get involved?

Even if you weren’t aware you were involved in a crime, being a money mule carries lots of risk.

  • Legal trouble: You could end up with a criminal record and face up to 14 years in prison.
  • Background checks: Jobs and universities check your background when hiring or admitting students. This could affect your chances of acceptance.
  • Professional licensing: Many jobs require licenses or certifications. A criminal record will make it difficult to obtain these. 
  • Bank account closure: Your bank may close your account, making it difficult to open a new one.
  • Credit problems: This can make it harder for you to get a loan, credit card, mortgage or even a phone contract in the future.

How could I be caught out by scammers?

What other types of scams should I watch out for?

My Security Profile

Enhance your security levels.

My Security Profile is a handy tool in your mobile app. It has personalised actions for you, that are quick and simple to take.

Learn more about My Security Profile Open in new window

Holiday scams

Fraudsters use fake holiday adverts to trick you into booking a holiday with them that doesn't exist.

Holiday scams guide

Online shopping scams

Scammers can trick you into buying products that don’t exist or are wrongly advertised. Follow our five tips to avoid shopping scams.

Online shopping scams guide

Job scams

Job scams are misleading adverts that trick people into applying for fake jobs. Follow our simple tips to avoid being scammed in your job hunting. 

Job scams guide