What is a money mule?
A money mule is a person who transfers or receives money on behalf of someone else. Criminals often use money mules to move stolen funds so that the money is harder to trace.
Sometimes people agree to this knowingly. Far more often, they have no idea they are being involved in a crime. Scamwatch reports that criminals frequently target people who are kind, trusting or looking for connection online.
If you move money that is linked to illegal activity, you can face serious consequences, even if you did not know what was happening.
How romance scams lead to money muling
Romance scammers build trust quickly, then ask you to move money for them. They may claim their account is frozen, they are overseas for work, or they have an urgent emergency. The goal is to use your account to hide stolen funds. They create emotional pressure, push for secrecy and make you feel obligated to help.
To learn more about how these scams work, you can read our romance scams article.
Tips to help protect yourself and your money
Pause before acting
Taking a moment can help you spot something that does not feel right.
Never transfer money for someone else
If they cannot use their own account, it is a warning sign.
Keep your banking details private
Never share codes, passwords or login information.
Be cautious with online relationships
Scammers often use emotions to build trust quickly.
Talk to someone you trust
A second opinion can help you see red flags more clearly.
Support is always available
It can be difficult to recognise a scam when someone seems genuine. Learning the signs can help you stay safe and confident online. If you are ever unsure about a request involving money, contact us for support.
Visit the Security Hub
Our Security Hub is your go-to destination for staying informed about the latest threats. It offers practical tips, scam alerts, and easy-to-use tools that help you recognise and respond to risks with confidence.
Trusted support services
Australian Cyber Security Centre
TheACSC is the Australian Government’s lead agency for cyber security. It provides up-to-date alerts, advice, and resources to help individuals and businesses protect themselves online. It also plays a key role in coordinating national responses to cyber threats.
ReportCyber
Managed by the Australian Government, ReportCyber is the official platform for reporting cybercrime and online incidents. It also offers guidance on what to do if you’ve been affected by a cyber incident.
IDCARE
IDCARE is a free, not-for-profit support service for anyone in Australia or New Zealand who has experienced identity theft or cybercrime. Their expert team can help you navigate the recovery process and take steps to protect your personal information. Contact them via their support line: 1800 595 160
Scamwatch & National Anti-Scam Centre
Scamwatch, run by the Australian Competition and Consumer Commission, provides information on how to recognise, avoid, and report scams. It’s part of the broader work of the National Anti-Scam Centre, which brings together government, industry, and community efforts to disrupt scams and protect Australians.
Helpful resources
Disclaimers
This content is informed by resources from the Australian Government’s Scamwatch website. For more information and resources on protecting yourself from scams, visit www.scamwatch.gov.au. Regional Australia Bank Ltd ABN 21 087 650 360 AFSL & Australian Credit Licence 241167.
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