Dear Student,
Recently, there has been a significant increase in incidents where university students’ bank accounts and digital wallets are used by third parties for purposes such as fraud, illegal betting, and laundering proceeds from drug trafficking.
Knowingly and willingly allowing your bank accounts or digital wallets registered in your name to be used by others—under pretexts such as “earning commission,” “helping to pay off a debt,” “one-time use only,” “harmless money transfer,” or similar reasons—may result in criminal and legal liability under the Turkish Penal Code and related legislation. Regardless of who actually conducts the transaction, you, as the account holder, may be held responsible for any activities carried out through your accounts.
If you allow others to use your accounts, you may face criminal investigation and prosecution, the creation of a criminal record, being classified as a high-risk customer by banks, restrictions placed on your bank accounts, rejection of credit and credit card applications, judicial control measures (including a travel ban), and compensation lawsuits filed by victims. In such cases, statements such as “I didn’t know,” “I just wanted to help,” or “I was only an intermediary” may not provide legal protection.
It is important that you reject any offers—whether from people you know or do not know—that promise financial gain in exchange for sharing your account or IBAN information, and that you immediately report any suspicious situations to the relevant security authorities.
