“Part-time work” that asks you to use your own card to receive money, withdraw cash, or transfer — do not do it no matter how large the tip

These jobs earn a few hundred yuan; the price is a record. Someone took an ID card and 1 bank card to a designated place, helped with transfers and withdrawals, and earned a little over 500 yuan. Prosecutors did not charge him; police still detained him for 10 days and fined 1000 yuan. Another handed his and others’ bank cards and phone cards to a gang for collecting and cashing out, got 2 years 3 months, and was fined 22000 yuan (2.2万).

Cost

No money. Give up gigs of the “a few hundred a day, take your card to the bank” kind.

Benefit

Knowingly helping to transfer, buy, sell, or otherwise conceal money or property from crime brings up to 3 years, with a fine imposed together with or instead of imprisonment (sentenced and fined, or only fined). Official case: Wang followed instructions, brought an ID card and 1 bank card to a designated place, helped with transfers and withdrawals, and earned a little over 500 yuan. Prosecutors did not charge him; police detained him for 10 days under the Anti-Telecom and Online Fraud Law and fined 1000 yuan. Man handed his and others’ bank cards and phone cards to a gang for collecting, transferring, and cashing out, was sentenced to 2 years 3 months, and fined 22000 yuan (2.2万) (nationwide). Moving it out as crypto is the same. An and two others, on a fraud gang’s instructions, took money on their own bank cards. On a trading platform they bought virtual currency with the money and transferred it to accounts the other side named, taking a cut by ratio. More than 500000 yuan (50余万) of victims’ cheated funds was verified among it. The three were each sentenced for concealing criminal proceeds to between 2 years 8 months and 3 years 3 months, and each fined 30000 to 40000 yuan (3万 to 4万) (Beijing Tongzhou)

Notes

Consequences of lending a bank card or “running points” for others are in Section 8, item 8 (lending a bank card). This item is about doing the withdrawals and transfers yourself. Taking the money, swapping it into USDT-type crypto, and sending it out is the same act. Why you cannot get money back after losing it buying crypto is in Section 5, item 45 (do not buy virtual currency). “I did not know where the money came from” is not always accepted when a case is built. When commenting on Man’s case, the Supreme People’s Court and Supreme People’s Procuratorate wrote that courts look at the information you touched, how money was converted and moved, and whether trades and accounts looked abnormal, then weigh your background and your link to the upstream party to decide whether you knew. In the case above that was not prosecuted, the person was still detained for 10 days.

Sources · 3

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）. jtgl.beijing.gov.cn/jgj/jgxx/flfg/fl/11033925…
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）. spp.gov.cn/xwfbh/wsfbt/202311/t20231130_63518…
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）. spp.gov.cn/xwfbh/wsfbt/202508/t20250825_70451…