The person wants to send money to my GCash and have me forward it. Is that a scam?
Yes. Being asked to receive money and pass it on, keeping a "commission", is a money mule scheme: the money usually comes from another scam victim, and your GCash or bank account becomes part of the crime. You can lose the account and face a complaint, while the scammer stays hidden.
The request is wrapped in a story: the person cannot use their own account abroad, a client needs to pay through someone local, a "job" pays you to process transfers. Sometimes the money that arrives is from a hacked account and is reversed, so you forward real money and are left with nothing.
What to do
- Refuse. Nobody needs your account to move their own money.
- If money already arrived, do not forward it. Contact GCash through the Help Center and explain.
- Save the chat where the person asked you to forward the money.
- Report the person to the platform and, if money moved, to the PNP Anti-Cybercrime Group or the NBI.
- Check the person's photos, number and messages: this scheme is usually run by fake profiles.
Frequently asked questions
- They offered me a commission. Is it not just a job?
- No real job consists of receiving money from strangers and forwarding it. It is the way scammers launder money through other people's accounts.
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