What Is a Dummy Account ?
A dummy account is a bank account opened in your name, but you don’t use it—instead, you hand it over (or even sell it) to someone else, giving them full control, including your ATM card and PIN. More often than not, these accounts are used by fraud syndicates to move money in and out, helping them avoid detection by banks and authorities. Since the account is still under your name, when the money trail is traced, the police will come after you.

Selling your bank account, ATM card, and PIN to someone else may seem like an easy way to make fast cash — but it comes with serious risks. When you open an account for someone else or sell your own one, you’re creating a dummy account. Fraud syndicates will use it to trick victims into transferring money, and then they’ll use your card and PIN to withdraw the “profits.” By selling your account, you’re not just breaking the law—you’re becoming an accomplice to fraud. And that makes you a criminal.

Selling Accounts Can Lead to Dire Consequences!
1. Criminal Charges: Become an Accomplice to Fraud
2. Frozen Accounts & Financial Hardship
3. A Criminal Record: No Future in Taiwan
4. Escaping to Another Country Won’t Save You

What Is a Money Mule?
1. A money mule is someone who helps fraudsters by withdrawing money using another person’s ATM card and PIN or by collecting and passing on cash from victims to the criminals.
2. Even if you hand over all the money to fraudsters, you have committed fraud and money laundering. The police will track you down and you could face serious legal consequences.
3. Fraud syndicates recruit money mules to collect cash because they believe mules are more likely to get caught. As a result, if you become a mule, you risk being arrested and may even be required to repay the victims while the fraudsters pocket the scammed money.

Be Careful! You Could Lose Everything!
1. Being a money mule is not a trivial matter—it is a serious crime that can lead to 1 to 7 years in prison, along with an order to repay a substantial amount of money to the victims.
2. If you are convicted of fraud, the court may seize and sell your assets to compensate the victims.
3. Even if you’ve already spent the money on a house, a car, or resold them to someone else, the Taiwan government can still reclaim them. You won’t be able to escape the consequences!