Money Muling in Ireland

Money Muling in Ireland: What Every Teen and Young Adult Needs to Know

It’s happening in schools, on campuses, and across social media, and it’s happening here in Ireland. Criminals are using teenagers and young adults to launder stolen money, often by approaching them online through a “friend of a friend” or someone they’ve recently connected with.

The term money mule might sound dramatic, but the crime is alarmingly common and increasingly affecting young people. A money mule is someone who moves illegally obtained money through their own bank account on behalf of someone else, usually for a small cut or reward.

To many, it might seem like a harmless favour or a quick way to make money. But make no mistake, it’s illegal, it’s a form of money laundering, and it can have serious consequences for the person involved.

🎯 Who Are They Targeting?

Young people are often the most common targets. With growing financial independence, access to online banking, and a digital-first lifestyle, many teens and students don’t realise what they’re getting involved in.

Scammers approach them through:

• Social media DMs
• Messaging apps like WhatsApp or Snapchat
• “Friends of friends” at school, college, or online
• Job ads promising fast or easy money

🚩 What Are the Warning Signs?

Here are some red flags to watch for, whether you’re a parent or a young person:

• Promises of easy cash just for using your bank account
• Someone asking for your bank details or to use your debit card
• Vague job offers with no clear responsibilities
• Requests to keep things secret or “act fast”

🛑 What Are the Consequences?

Being caught as a money mule can have long-lasting effects:

• Bank accounts frozen or closed
• Trouble getting loans, mortgages, or new accounts
• A criminal record that could affect travel, education, and employment
• Serious stress and emotional consequences

💬 Talk to Your Teen or Student

Awareness is key. Make sure your child knows never to share their bank account or accept money transfers for anyone, even if it’s a friend or someone they trust online.

Encourage open conversations and remind them: If something feels off, it probably is.

Financial safety isn't just about budgeting or saving, it's about staying informed and protected in an increasingly digital world.

If you have concerns or questions, contact your local Garda station.

🎥Watch RTE's Prime Time spceical on Money Muling in ireland https://www.rte.ie/video/id/9120/