08-008 · EVIDENCE A · SOURCE-SENSITIVE
Never lend your bank cards, SIM cards, or payment accounts to anyone — “money laundering” is not a side hustle
不把银行卡、手机卡、支付账号借给任何人，「跑分」不是兼职
Zero. Some people claim “just lend your card for a few transactions and you’ll get a few hundred yuan” — just say no.
Renting, lending, or selling your bank cards, SIM cards, or payment accounts is illegal on its own. Penalties include confiscation of all illegal earnings plus a fine of 1 to 10 times that amount; if no earnings were made, the maximum fine is 200000 yuan. In serious cases, offenders face up to 15 days in detention, a negative credit record, and restrictions on account functionality. If you knowingly assist criminals by receiving or transferring money using these accounts, you could be convicted of aiding information network criminal activities, punishable by up to 3 years in prison.
A
Move “Never lend your bank cards, SIM cards, or payment accounts to anyone — “money laundering” is not a side hustle” to Future Me's calendar
The excuse
I can spend longer deciding whether to start than the small action would take.
What feels good now
Today I keep a few minutes and avoid interrupting my default routine.
What the source says
The source summarizes the return this way: “Renting, lending, or selling your bank cards, SIM cards, or payment accounts is illegal on its own. Penalties include confiscation of all illegal earnings plus a fine of 1 to 10 times that amount; if no earnings were made, the maximum fine is 200000 yuan. In serious cases, offenders face up to 15 days in detention, a negative credit record, and restrictions on account functionality. If you knowingly assist criminals by receiving or transferring money using these accounts, you could be convicted of aiding information network criminal activities, punishable by up to 3 years in prison.” Evidence grade A. The original states the population, caveats, and sources; this is not a personal forecast.
Use the original facts and limits. For an urgent medical, safety, financial, or legal issue, contact a qualified local professional or service.
THE ENGLISH EDITION
Original recommendation and evidence
8. Never lend your bank cards, SIM cards, or payment accounts to anyone — “money laundering” is not a side hustle
Cost: Zero. Some people claim “just lend your card for a few transactions and you’ll get a few hundred yuan” — just say no.
In plain terms: Renting, lending, or selling your bank cards, SIM cards, or payment accounts is illegal on its own. Penalties include confiscation of all illegal earnings plus a fine of 1 to 10 times that amount; if no earnings were made, the maximum fine is 200000 yuan. In serious cases, offenders face up to 15 days in detention, a negative credit record, and restrictions on account functionality. If you knowingly assist criminals by receiving or transferring money using these accounts, you could be convicted of aiding information network criminal activities, punishable by up to 3 years in prison.
Benefit: Engaging in any activity that involves renting, lending, or selling phone cards, bank accounts, payment accounts, or internet accounts is illegal. Authorities confiscate all illegal earnings and impose a fine of 1 to 10 times that amount; if no earnings exist, the maximum fine is 200000 yuan. Serious violations lead to detention of up to 15 days, a negative credit record, account restrictions, and suspension of all non-counter banking services. Knowingly providing payment settlement assistance to criminals constitutes aiding information network criminal activities (known as “helping information network crimes”), punishable by up to 3 years in prison and a fine nationwide.
Evidence grade: A
Sources: National People's Congress Standing Committee (2022). Anti-Telecommunications and Internet Fraud Law (Articles 31, 44). <https://www.spp.gov.cn/spp/fl/202209/t20220902_575631.shtml>; National People's Congress Standing Committee (2015). Criminal Law Amendment (9) (Article 29, namely Article 287-2 of the Criminal Law). <https://www.spp.gov.cn/spp/fl/201802/t20180205_364562.shtml>
Notes: Claiming “I had no idea what the other person intended to do with my cards” won’t protect you. Law enforcement determines intent based on external circumstances: receiving payment for lending cards or unusually large transaction volumes can be used as evidence of awareness. Even if you ultimately aren’t convicted, accounts used to receive illicit funds get frozen and you face other penalties.
Read the complete Chinese source and notes
8. 不把银行卡、手机卡、支付账号借给任何人，「跑分」不是兼职
成本: 不花钱。有人说「借卡走个账，给你几百块」，拒绝就行。
说人话: 把银行卡、手机卡、支付账号租给、借给、卖给别人，这件事本身就违法。罚违法所得的 1 到 10 倍，没有所得的最高罚 20 万元，情节严重的拘留 15 日，还会被记入信用记录、限制账户功能。要是明知对方拿去犯罪还帮着收钱转钱，就是帮信罪，判 3 年以下。
收益: 出租、出借、买卖电话卡、银行账户、支付账户、互联网账号，这件事本身就是违法。没收违法所得，再罚违法所得的 1 到 10 倍。没有违法所得的，最高罚 20 万元。情节严重的，拘留 15 日以下。还可能被记入信用记录、限制账户功能、停掉非柜面业务（只能去柜台办）。明知别人用网络实施犯罪，还给他提供支付结算这类帮助，情节严重的，构成帮助信息网络犯罪活动罪（简称帮信罪），判 3 年以下并处罚金（全国）
证据等级: A
来源: 全国人大常委会 (2022). 反电信网络诈骗法（第三十一、四十四条）. <https://www.spp.gov.cn/spp/fl/202209/t20220902_575631.shtml>；全国人大常委会 (2015). 刑法修正案（九）（第二十九条，即刑法第二百八十七条之二）. <https://www.spp.gov.cn/spp/fl/201802/t20180205_364562.shtml>
备注: 说「我不知道他拿卡去干什么」挡不住。办案时会从外在情形反推你知不知情：收过好处费、流水明显不正常，都可能算你知道。卡被人用来收赃款的，就算你最后不构成犯罪，账户也会被冻结，本人也会被惩戒。替别人刷脸、念验证码过实名核验，罚则和这条相同，见第 45 条（帮忙刷个脸）。
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