Online scams in 2026 remain rampant and ever more sophisticated — investment fraud, transfer scams, call-center gangs, and the use of ordinary people's bank accounts to receive scam money. As a result, many find themselves treated as a "money mule" and have their accounts frozen without any idea why.
A frozen account doesn't always mean guilt
In many cases the account holder merely received a transfer, sold goods online, or was tricked into opening or lending an account, and scam-related money flowed through — so the account was frozen on a victim's police report. The key legal question is whether you "knew or participated", which is different from unknowingly receiving funds.
What to do immediately when your account is frozen
- Stay calm — don't give statements or sign anything before you understand the allegation.
- Gather evidence — transfer slips, chats, the source and flow of the money, your dealings with the other party.
- Beware of repeat tricks — scammers may claim a "mistaken transfer" and ask you to refund; consult a lawyer before refunding or signing.
- File an appeal and prove your innocence to unfreeze the account — this has deadlines and needs solid evidence.
Prevention first
Never open or lend your account/PromptPay, never accept payment to open accounts, verify online counterparties, and keep records of every transaction.
📌 Read the full guide: Bank account frozen or accused of being a money mule — what to do and suspect rights in criminal cases
If your account is frozen or you're linked to a scam, talk to our team right away — the earlier you act, the better your chance of protecting your rights and unfreezing the account.