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- 28th Jan 2026
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Could your child be a criminal without knowing? Expert reveals how to protect them
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Is your child a money mule without even knowing it? It sounds shocking, but it’s a growing problem across the UK.
Criminal gangs are increasingly targeting young people to move illegal money, often disguising it as easy cash or a harmless side hustle. Many don’t realise they’re breaking the law until it’s far too late.
These young people are known as money mules, and according to the National Crime Agency, the numbers are rising fast. Nearly a quarter of cases involve under-21s, while around 64% of all mule activity in the UK is linked to 18–30-year-olds. Criminals actively groom young people online through platforms like TikTok and Instagram, using fake job offers and promises of quick money.
But the consequences can be severe, from criminal records and potential jail time to long-term damage to education, careers and future opportunities. While data on under-16s is limited, experts believe the true scale is likely even higher.
“It’s happening in schools, colleges and universities — and many parents have no idea,” says Frankie Foster, Novo Data Services, anti-money laundering expert and High Life North’s Expert in Residence.
We caught up with Frankie to find out how to spot the signs…
WHAT’S A MONEY MULE?
A money mule lets their bank account be used to move criminal funds. The money could come from online scams, drug trafficking, or other crimes, but it’s disguised as legitimate. Often, young people are asked to receive cash, keep a small cut, and pass the rest on via apps or cryptocurrency. It’s pitched as freelance work, remote trading, or a flexible side hustle. Criminals advertise on social media, reach out online, or even appear near schools and colleges to recruit.
WHY YOUNG PEOPLE ARE THE TARGET
Young people are digitally savvy, social media–active and often hunting for quick ways to earn. Criminals know this. They use social media ads promising easy cash, friendly messages asking to borrow a bank account, fake online friendships, or bogus job listings on college boards.
HOW YOUNGSTERS GET CAUGHT UP WITHOUT REALISING
Most young people genuinely believe they’re helping or doing a legitimate job. That’s what makes it so dangerous. Banks spot suspicious activity fast with automated systems. Accounts can be closed and reported to fraud databases — sometimes the police are involved. The consequences can be serious.
Future bank accounts, salaries and even mortgages can be affected. As Frankie warns, “Being a money mule, even without knowing it, can have lifelong consequences.” Money laundering is a serious criminal offence with penalties of up to 14 years, and a criminal record can stick around for life.
SPOTTING THE WARNING SIGNS
It’s not always obvious, but parents should watch for sudden unexplained money, gifts, or new clothes, online jobs that involve paying third parties, multiple new bank accounts, or requests to use someone else’s account “just for a bit.” Frankie recommends researching any online opportunity thoroughly, especially if it involves moving money or someone your child hasn’t met in person.
“If something feels rushed, secretive or too good to be true, it usually is,”
she says.
PROTECTING AND SUPPORTING YOUR CHILD
Start the conversation early. Explain how criminals disguise illegal schemes and why young people are targeted. Make it clear that letting someone else use their account is never harmless — any legitimate business will use its own. If you suspect your child may already be involved, contact the bank immediately and report it to Action Fraud. Quick action can limit the damage. Criminals exploit trust, opportunity, and the thrill of first earnings — but one honest chat could prevent serious consequences.
MEET HIGH LIFE NORTH’S EXPERT IN RESIDENCE
High Life North welcomes Frankie Foster as its new Expert in Residence. Alongside her work at Novo Data Services, she’s a recognised voice in anti-money laundering, fraud prevention, and regulatory compliance. Frankie speaks at major events like We Fight Fraud, appears on the radio as a fraud expert, and delivers webinars and talks for schools, charities, and community groups. Her mission is simple: empower people with the knowledge to protect themselves — and their futures.
For more information or to book a talk, contact [email protected]
Rachael Ellis
Head of Content
After gaining a first in her BA Media and Journalism degree at Northumbria University, Rachael worked at Newcastle’s leading regional newspaper with her stories being picked up in national and global newspapers. She spent two very successful years giving a voice to those communities across the North East who otherwise…
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