These money receiving and transferring transactions can cause bank account holders to get into legal trouble, even being fined up to 200 million VND.

Bank accounts used to receive, transfer money, and receive commissions are becoming one of the methods used by criminals to hide illegal cash flows.

Notably, even if the account holder does not directly commit an illegal act, he or she can still be verified and held accountable by the police.

According to information from Ca Mau Provincial Police, a common trick of criminals is to post information on social networks such as Facebook and Zalo to recruit collaborators, invite them to open bank accounts or rent accounts with attractive remuneration. In some cases, you will be asked to receive and transfer money on your behalf to receive commissions.

After accessing the accounts, subjects use them to receive, transfer or hide funds obtained from illegal activities. These accounts can become links in property appropriation fraud, online gambling or money laundering.

Many people, due to lack of legal knowledge or wanting to earn extra income, provide account information and assign account usage rights to others without foreseeing the consequences. When an account is involved in illegal transactions, the account owner may be summoned by the authorities and have their roles and responsibilities verified. Not directly committing a crime does not automatically mean being exempt from legal liability.

Renting or lending a bank account can be fined up to 200 million VND

Regarding legal regulations, Clause 5, Article 8 of Decree 52/2024/ND-CP prohibits the act of buying, selling, renting, leasing, borrowing, lending payment accounts as well as buying and selling payment account information.

According to Article 30 of Decree 340/2025/ND-CP, effective from February 9, 2026, the act of buying, selling, renting, leasing, borrowing, lending payment accounts or trading payment account information, if not to the extent of being prosecuted for criminal liability, may be subject to administrative sanctions.

Specifically, a fine of 100-150 million VND is applied to acts related to 1 to less than 10 accounts; A fine of 150-200 million VND applies to acts involving 10 accounts or more, according to the conditions specified in the decree.

In case the behavior shows signs of constituting a crime, the person involved may also be considered criminally responsible depending on the nature, extent and consequences. Possible related crimes include fraudulent appropriation of property, use of computer networks, telecommunications networks or electronic means to appropriate property, money laundering and other crimes according to the provisions of the Penal Code.

Be wary of invitations to receive or transfer money on your behalf

Faced with the risk of bank accounts being used for illegal activities, Ca Mau Provincial Police advise people not to buy, sell, rent, lend accounts or give accounts to others to use illegally.

People also do not provide passwords, OTP codes, login information and security data to others; Do not hand over bank cards or means of transaction authentication to unauthorized persons.

In particular, you need to be wary of invitations to receive money or transfer money for commissions, especially invitations on social networks from accounts with unknown identities and origins.

When discovering an account with unusual transactions or suspected of being used for illegal activities, people need to proactively contact the bank and report to the police for instructions on handling.

The police also increased coordination with credit institutions in exchanging information, verifying unusual transactions and tracing money flows to promptly detect and prevent violations.