Gardaí in Wexford issue stark warning over increasing money mules

Gardaí in Wexford are urging the public, especially young people and students, to be on high alert for a growing type of financial crime known as money muling.

Criminals are targeting individuals often through social media or messaging apps asking them to receive money into their bank account and transfer it on.It may seem harmless, but being a money mule is a serious crime. You could end up with a criminal record, lose access to banking, and damage future job or travel opportunities. A money mule is someone who allows their bank account to be used to receive and transfer money that has been illegally obtained by criminals. Often, the mule is asked to either withdraw the money, pass it on to another account, or send it through a payment service. While the person may not be directly involved in the crime that generated the money such as fraud or online scams, they are still helping criminals move and hide illegal funds, and this is a serious offence under Irish law. Criminals often target young people via social media platforms such as Instagram, Snapchat, and TikTok. Messaging apps like WhatsApp and Telegram are also used, along with online job adverts that offer ‘quick cash’ or ‘work-from-home opportunities.’ In some cases, it might even be someone you know a classmate or acquaintance who approaches you with an offer that sounds like easy money for doing very little. This makes it even more dangerous, as the approach can seem casual or even friendly, lowering your guard. Wexford Sergeant Eddie Wilde warned that if you’re approached by someone offering money in exchange for access to your bank account or asking you to move money for them, it’s important to walk away and report the incident. Don’t share your bank details, don’t send or receive money on anyone’s behalf, and never agree to something you don’t fully understand. If you've already been involved, it’s not too late to seek help. Speak to a parent or guardian, a teacher, or contact your local Garda station. Money mule scams are becoming more sophisticated, and the only way to stay safe is by staying informed. Gardaí are encouraging young people and their families to talk openly about the risks, to spot the warning signs, and to protect themselves from being exploited. Your name, your bank account, and your reputation are valuable. Don’t let criminals use them. Say no to money muling—and protect your future. For more information or to report suspicious activity, visit Garda.ie or speak to your local Community Garda.