Is it safe for a friend or online contact to ask me to hold money in my bank account?
No. Allowing someone to use your account to receive or hold funds makes you a money mule — which is a criminal offence in most countries.
Last reviewed: 1 June 2026
Explanation
Money mule recruitment often comes through a friend, an online romantic contact, or a job offer. The request sounds reasonable — they cannot access their funds right now, they need a safe account temporarily, they will pay you a fee. In reality, the money being routed through your account is stolen or linked to criminal activity such as fraud, drug trafficking, or people smuggling. Your account is being used to launder it. Even if you did not know the source of the funds, receiving and passing on criminal money is a serious offence. Banks monitor for unusual transactions, freeze accounts, and pass information to law enforcement. A criminal record can affect your employment and ability to hold a bank account for years.
Common red flags
- Request to receive money into your account and transfer it on
- Promise of a commission or fee for 'helping'
- Contact cannot explain clearly why they cannot use their own account
- Contacted through a dating app, WhatsApp job offer, or social media
What to do now
- Decline — do not allow anyone to use your account this way
- If money has already arrived in your account, do not send it on
- Contact your bank and explain the situation
- Report to your national financial intelligence unit or fraud authority
Frequently asked questions
What happens if I am caught as a money mule?
Consequences include account closure, civil liability, and criminal prosecution. Sentences for money laundering offences can include fines and imprisonment. Cooperate with your bank and authorities immediately.