Mule account
Updated 2026-09-29
A mule account is a bank account that criminals use to receive and quickly move stolen or scammed money, breaking the trail before it reaches them. The account holder may be a willing participant paid a small fee, or someone who was tricked or pressured into lending their bank details.
When it matters
If your money went into a mule account, speed matters most, because funds are usually moved out within hours. Report it through NSRC 997 and to your bank immediately so the receiving bank can be asked to freeze what remains. Malaysia’s public Semak Mule database lets you check if an account or phone number was already flagged. Acting fast, and reading about how a bank recall works, gives you the best chance of stopping the money before it disappears further.
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