Reject “part-time work” using your own account to receive, withdraw, or transfer other people’s money
A small fee can expose you to criminal liability or administrative penalties. In one official case, a person brought ID and one bank card to a designated location, helped transfer and withdraw money, and earned just over RMB 500. Prosecutors did not charge him, but police still imposed ten days’ administrative detention and a RMB 1,000 fine. Another participant received two years and three months plus a RMB 22,000 fine.
What it takes
Nothing. Give up offers promising a few hundred RMB a day for bringing your card to a bank.
What you may gain
Knowingly transferring, buying, selling, concealing, or otherwise disguising criminal proceeds can carry up to three years and a fine, or a fine alone, for the basic offense. In the official Wang case, the participant followed instructions to bring ID and one card, assist with transfers and withdrawals, and collect over RMB 500. After non-prosecution, police used the Anti-Telecom and Online Fraud Law to impose ten days’ detention and RMB 1,000. In the Man case, the defendant supplied personal and others’ bank cards and SIMs to a group for receipt, transfer, and cash withdrawal, receiving two years and three months’ imprisonment and a RMB 22,000 fine.
Context & considerations
For lending accounts, see chapter 8, entry 8; this entry concerns personally withdrawing or transferring funds. Knowledge can be inferred from circumstances such as implausibly high fees, requests for facial verification, and obviously abnormal transactions. The original warns that even the non-prosecuted example still ended in detention and a record of the administrative punishment; that is distinct from a criminal conviction record.
Research & references
National People’s Congress (2020). Criminal Law consolidated through Amendment XI, Article 312. https://jtgl.beijing.gov.cn/jgj/jgxx/flfg/fl/11033925/index.html; Supreme People’s Procuratorate (2023). Typical telecom and online fraud-related cases, Case 9. https://www.spp.gov.cn/xwfbh/wsfbt/202311/t20231130_635188.shtml; Supreme People’s Court and Supreme People’s Procuratorate (2025). Typical concealment of criminal proceeds cases, Case 5. https://www.spp.gov.cn/xwfbh/wsfbt/202508/t20250825_704514.shtml.