Money Trap: Anti-money laundering campaign
Don’t fall for the money trap!
Criminals use fake jobs, text messages and social media messages to recruit people to move money through their bank accounts.
What seems like easy money could put your finances, identity and future at risk.
Know the signs. Protect yourself.
If someone is offering money in exchange for using your bank account, receiving payments, or transferring money for them, that’s a major warning sign.
Many people are approached through job advertisements, social media, messaging apps and online communities.
You were right to check before responding.
What Is a Money Trap or Money Mule?
A money mule is someone who receives or transfers money on behalf of another person.
Sometimes people knowingly agree to do this. Often, they don’t realise they are being recruited by criminals until it’s too late.
Money mule activity is commonly linked to fraud, scams and organised crime.
You may be told:
- It’s a simple job
- It’s an easy way to earn money
- You’re helping a business process payments
- You will be paid a commission for each transfer
Know the Warning Signs
Be cautious if someone offers:
Be cautious if someone asks you to:
- Quick or easy money
- High pay for very little work
- Flexible work with no experience required
- Payment simply for using your bank account
A job that sounds too good to be true.
- Receive money into your bank account
- Transfer money to another person
- Open a bank account for someone else
- Share your banking details
- Share your online banking access
- Provide identity documents
Never：
- Share your bank account details unnecessarily
- Share online banking access
- Let someone else use your account
- Transfer money for people you do not know
- Share identity documents without checking who is requesting them
Always：
- Research employers before accepting work
- Verify job opportunities independently
- Be cautious of easy money offers
- Ask questions if something doesn’t feel right
- Seek advice if you’re unsure
If an offer seems too good to be true, it probably is…Learn more here.
