Can I let someone use my bank card or account for a few hundred euros?
In short
No, do not lend them. The money that goes through your account often comes from fraud. If you know, or should know, that the money comes from a crime, keeping it in your account or sending it on to someone else is money laundering (level 3).
Video transcript
Someone on social media offers 'easy money': lend them your card for a few days. Not allowed: Letting someone else use your account or card can count as money laundering: a level 3 crime. The right way: Turn down the offer. Report it to your bank and the police. Outcome (Level 3 crime): Prison: 3 – 5 years; Extra fine: up to 2.000.000 €; The bank: Can close your account.
What is not allowed, what is required?
- Giving someone your account, your card or your itsme/app access can count as money laundering (witwassen / blanchiment) (art. 502, level 3).
- Excuses like 'just for a few days' or 'a friend's money is coming in' do not protect you.
- 'Easy money' offers on social media are the most common trap; young people are especially targeted.
- If you have received such an offer, report it to your bank and the police.
Penalty and indirect consequences
- Fine / payment
- At this level the main penalty is prison. The judge can also give an extra fine of 200 € – 2.000.000 € and confiscate the money. If there are mitigating circumstances, a lighter penalty (level 2 or 1) can be given. The victim can also claim compensation separately.
Legal basis:Strafwetboek (W 29.2.2024) Boek I, art. 36Strafwetboek (W 29.2.2024) Boek II, art. 502
What does this level mean? Criminal Code, level 3: 3 – 5 years in prison. All penalty levels →
What really matters: the indirect consequences
- Your bank can block your account and refuse to give you a new account, card or loan
Legal basis:Febelfin – Never lend your bank account
- It can appear on your criminal record extract (uittreksel uit het strafregister / extrait de casier judiciaire). This can cause problems when you apply for jobs.
Legal basis:Sv. art. 590, 595
- For serious or repeated crimes, your residence permit can be taken away or not renewed. Your citizenship application can be blocked.
Legal basis:Vreemdelingenwet 15.12.1980, art. 21, 23 §2 + WBN 28.6.1984, art. 15 §3
- You may have to pay for the losses of the people who were defrauded
Legal basis:BW Boek 6, art. 6.5
What do these terms mean?
- Criminal record
- The state register of convictions handed down by a court. The extract asked for a job, residence or nationality application comes from it. Municipal GAS fines are not entered in it.
Why does this rule exist?
Money from an unknown source keeps serious crime going. Fraudsters hide stolen money by moving it through other people's accounts. If no one lends their account, they cannot do this; this rule protects both the victims and the young people who are tricked.
Where can you go?
- Card StopIf you shared your card details, call straight away: 078 170 170
- SafeonwebForward suspicious messages to verdacht@safeonweb.be
- PoliceTo report threats, blackmail or stalking: 101 or your local police station
- Social interpreterAt the municipality, the OCMW/CPAS, school and hospital, you can ask for an interpreter in your language; it is often free.
This site does not handle individual cases; it points you to the right service. All help addresses
Source and reliability
Official source- Source check
- 13 / 13 statements in an official source
- Checked: 22.10.2026
- Last checked
- 22.10.2026
- Rules can change
Show the 13 checked statementsopen
- Found in an official source
Hesabı/kartı kullandırmak kara para aklama sayılabilir (md. 502, seviye 3)
Strafwetboek (W 29.2.2024) Boek II, art. 502 - Found in an official source
'Sadece birkaç günlüğüne' bahanesi korumaz
Strafwetboek (W 29.2.2024) Boek II, art. 502 - Found in an official source
Parayı kendi hesabında tutmak veya aktarmak kendi başına kara para aklamadır (seviye 3)
Strafwetboek (W 29.2.2024) Boek II - Corrected according to the source
Seviye 3'te ana ceza hapis; hafifletici sebeple seviye 2 veya 1 ceza verilebilir
Strafwetboek (W 29.2.2024) Boek I, art. 36 - Found in an official source
Seviye 3: 3 – 5 yıl hapis
Strafwetboek (W 29.2.2024) Boek I, art. 36 - Found in an official source
Hâkim 200 € – 2.000.000 € ek para cezası verebilir (md. 502)
Strafwetboek (W 29.2.2024) Boek II, art. 502 - Corrected according to the source
Banka hesaplarınız kapatılabilir
Febelfin – Never lend your bank account - Found in an official source
Adli sicil, oturum izni/vatandaşlık sonuçları (ortak metin)
FOD Justitie – Uittreksel uit het strafregister - Found in an official source
Mahkûmiyet Strafregister'e kaydedilir; kişi bir uittreksel alabilir ve bu belge iş başvurusunda istenebilir
Sv. art. 590, 595 - Found in an official source
Kamu düzeni nedeniyle oturum sona erdirilebilir; suçun ağırlığı dikkate alınır; vatandaşlıkta savcı 'kişiye özgü ciddi olgular' nedeniyle olumsuz görüş verebilir
Vreemdelingenwet 15.12.1980, art. 21, 23 §2 + WBN 28.6.1984, art. 15 §3 - Found in an official source
Suçla zarar veren kişi, mağdurun zararını ödemekle yükümlü olabilir
BW Boek 6, art. 6.5 - Found in an official source
Abartı taraması (2026-10-22): Md. 502 kasıt ve paranın suç kaynaklı olduğunu 'bilme veya bilmesi gerekme' şartı arıyor. Özet hesabı kullandırmayı kendiliğinden suç, parayı tutmayı 'tek başına' aklama sayıyor; kural rules[0] ise doğru biçimde 'sayılabilir' diyor.
Kaynak alıntısıyla karşılaştırma (abartı taraması) - Found in an official source
Abartı taraması (2026-10-22): Tazminat kendiliğinden değil, mağdur isterse
Kaynak alıntısıyla karşılaştırma (abartı taraması)
The checked statements are in Turkish, as in the source text. This check does not replace legal advice.
General information, not legal advice. For your own situation, ask a lawyer or free legal aid. How was this information prepared?