What is a money mule?

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 a role in the completion of the crime. This means you can be prosecuted

Around six in ten money mules are under the age of 30 and most are recruited between the ages of 17 and 24. Many criminals target their recruitment of money mules at universities or colleges – either online, in person or via friends and family.

Money Mules

How can I protect myself?

  • Be suspicious of job adverts that offer the chance to earn quick and easy money. Stick to reputable job sites and remember that if something looks too good to be true, then it probably is.
  • Don’t sign up for any opportunity without undertaking some proper research. E.g., Google any prospective employer, do they have an online presence? Are the contact details legitimate? Is it based overseas?
  • Don’t engage with any online posts offering large sums of money.
  • Don’t accept message requests from people you don’t know, and if you receive a message with a link to click from a friend, speak to them in person before you respond.
  • Don’t share bank and personal details with anyone that you don’t know or trust – even among friends or family. If someone asks to 'borrow' your bank account, say no.
  • Always remember that if you aren’t sure about the source of the money, it could have come from criminal activity, and you could unwittingly be laundering money and end up with a criminal conviction.

What should I do if I am suspicious?

If you or someone you know has been approached, break off all contact, don’t receive or move any money, and ask for advice from someone you trust. Criminals operate in silence – by talking about it, you are protecting others.

  • Report it by calling local Police on 101 or 999 in an emergency.
  • Contact the HMRC Fraud Hotline quoting ref: IFMM23. You do not have to give your name or contact details unless you want to.
  • Contact the independent charity CrimeStoppers 100% anonymously online or by calling 0800 555 111. Please quote ref: IFMM23.
  • If you see it online, click the button to report it to the social media companies to get it taken down


Remember if you have any worries you can also talk to our Student Support Advisers.

For further information check out Crooks on Campus.