Turn down any "part-time job" that asks you to receive money, withdraw cash or transfer funds with your own card, no matter how big the fee

Cost

Free. Give up this kind of job, "paid by the day, a few hundred CNY, bring your card to the bank."

What you get

Knowing that money or goods come from crime and still helping to transfer, buy or sell them, or helping to cover them up by other means, brings up to 3 years, with a fine in addition or a fine alone (a fine on top of the sentence, or possibly a fine only). Official case: Wang Moumou (王某某) took his ID card and 1 bank card to a designated place on instructions, helped with transfers and withdrawals, and earned more than 500 CNY. The procuratorate did not prosecute him, and the public security organ detained him for 10 days and fined him 1,000 CNY under the Anti-Telecom and Online Fraud Law (反电信网络诈骗法). Man Moumou (满某某) handed his own and other people's bank cards and SIM cards to a gang to receive money, transfer it and withdraw cash, and was sentenced to 2 years and 3 months and fined 22,000 CNY (2.2万) (China). Converting to virtual currency to move the money out is the same: An Moumou (安某某) and two others used their own bank cards to receive money on the instructions of a telecom fraud gang, bought virtual currency on a trading platform, and transferred it to accounts the gang designated, taking a commission by percentage. It was confirmed that more than 500,000 (50余万) CNY of it was money defrauded from victims. The three were sentenced to between 2 years 8 months and 3 years 3 months for the crime of concealing the proceeds of crime (掩饰、隐瞒犯罪所得罪), each fined 30,000 to 40,000 CNY (3万到4万) (Tongzhou, Beijing)

Notes

For the consequences of lending out a bank card or moving money for others (跑分), see §8.8 (lending out a bank card). This item is about withdrawing cash or transferring money by hand yourself. Taking the money, converting it into virtual currency such as Tether (泰达币) and sending it on is the same thing. For why money lost on buying coins yourself can't be recovered, see §5.45 (don't buy virtual currency). "I didn't know where the money came from" is not necessarily accepted when a case is handled. An absurdly high payment, being asked to scan your face to cooperate, or a transaction that looks abnormal from every angle can be enough to find that you actually knew. Even the lightest result is 10 days of detention plus a criminal record.

Evidence grade

A : Specific numbers from meta-analyses, large cohorts or randomized trials; for law and policy, the statute or official text.

Sources

1. 全国人大 (2020). 刑法（根据刑法修正案（十一）修正，第三百一十二条）. https://jtgl.beijing.gov.cn/jgj/jgxx/flfg/fl/11033925/index.html
2. 最高人民检察院 (2023). 检察机关依法惩治电信网络诈骗及其关联犯罪典型案例（案例九）. https://www.spp.gov.cn/xwfbh/wsfbt/202311/t20231130_635188.shtml
3. 最高人民法院、最高人民检察院 (2025). 依法惩治掩饰、隐瞒犯罪所得、犯罪所得收益犯罪典型案例（案例一、五）. https://www.spp.gov.cn/xwfbh/wsfbt/202508/t20250825_704514.shtml

Translated from the Chinese original. Original book, section 9, tip 5. This section describes legal rules, mostly mainland China’s. It is general information, not legal advice; for your own case, talk to a lawyer. Content may be out of date and rules differ by place. When you actually deal with an agency, a doctor or a court, follow what local officials, doctors and lawyers tell you. Disclaimer