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Money scams

Money mules

Money mules are people who act as intermediaries receiving and moving money for criminals and criminal organisations. 

Even if the money mule is not involved in the fraud or crime which generates the money, they're acting illegally by laundering the funds and have played an role in the completion of the crime. This means you can be prosecuted. 

It's likely that any police enquiry into the fraud will lead to the mule who received the money rather than the criminals who employed them. If your bank suspects you've received money from crime they will suspend or close your account and in so doing so restrict access to your genuine funds. 

What to look out for

Mules can be recruited in a number of ways and criminals will often use fake job adverts, or create social media posts about opportunities to make money quickly, in order to lure potential money mule recruits.

They may also employ people whose role is to recruit friends and family to accept money from crime on their behalf, and may target vulnerable people, including teenagers and college students who are unlikely to be aware of the implications of their actions, or the consequences on their future.

What should you do if you suspicious?

  • Advise your bank immediately.
  • Report it to Action Fraud on 0800 555 111 or contact the police.
  • Break off all contact with the fraudsters.
  • Don’t send any more money.

money laundering

Protect yourself against being used to launder criminal funds

  • No legitimate company will ever ask you to use your own bank account, or ask you to open a new account in your own name, to transfer their money. Don’t accept any job offers that ask you to do this. 
  • Be especially wary of job offers from people or companies overseas as it will be harder for you to find out if they really are legitimate.
  • Never give your financial details to someone you don’t know and trust.
  • Never allow anyone to use your bank account not even friends or family. 
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