Scam warning
Being Asked to Move Money
A new friend, online sweetheart, or “employer” asks you to accept money into your bank account and send it somewhere else, buy gift cards with it, or open a new account. The money is stolen. You become a “money mule” and could lose your bank account or get in legal trouble.
Also called: Money mule, Payment processing job, Funds transfer job
The one thing to remember
Never move money for someone else. If someone asks you to receive and forward money, stop.
How it happens
- A romance partner, pen pal or job offer asks for your help.
- They say they can't use their own bank because they're overseas, or it's a “payment processing” job.
- Money arrives in your account, or you get checks or packages.
- You're told to send it on by wire, gift cards or crypto, and keep a small amount.
Warning signs
- Being asked to accept money for someone else.
- Being asked to open a bank account or crypto account for them.
- A “job” that is just moving money.
- Being allowed to keep part of the money.
What to do
- Stop moving the money right away.
- Tell your bank what's been happening.
- Report it at ReportFraud.ftc.gov or ic3.gov.
Last checked: October 31, 2026