Bank Deposit

[Queen2myKing 5]

My Nigerian spouse has a sister that has people who owe her money. The Nigerian spouse is in need of money to buy an airplane ticket to the US. The Nigerian spouse would like to release the US bank account information so the money can be deposited. The money is going to be deposited from other places, for example Vietnam and I'm not sure of the other locations. The money would then be withdrawn from the US spouse bank account so the money can be taken to Nigeria on the next visit. What are your thoughts? Be kind and honest. I already have my decision made but I want to receive other peoples opinion.

Edited May 22, 2015 by Queen2myKing

[Done--Really 331]

The issue is the Patriot act and anti money laundering laws.

If the amounts are small, there is unlikely any issue, but if the amounts are large -- over $10K -- then the bank is required to report the transactions to the regulators.

Most countries have reporting requirements about money brought into the country, but I have no idea about Nigeria. In the US, you have to report when you bring in more than $10000, for example.

Nigeria of course is famous for its scams, and this could just be another one, but scam or not, if your bank sees something suspicious or the amount is over $10K, they will report you to the regulators.

You can get around the whole scam question by using Western Union, MoneyGram, and countless other ways to send money internationally without any risk on your part.

Edited May 22, 2015 by Done--Really

[Ontarkie 13,904]

No way at all would I be giving my bank information. Sounds too much like a scam.

[ItsGonnaBeWorthIt 191]

ok let me get this correct, just making sure. the husband is going to give all the people that owe the sister money the spouse US banking account number and put what they owe in it ? my answer , NO . giving over banking information to different people in different locations seems not a smart idea. but that's just my thought

to be honest this sounds like a scam.

Edited May 22, 2015 by ItsGonnaBeWorthIt

[NYCruiser 423]

No offense...Nigerian, bank accounts and sending money....I smell a scam. Is this even a genuine poster?

[aaron2020 11,651]

Why do you need a US bank to bring the money to Nigeria? Have the money deposited to a bank in Nigeria.

If it looks suspicious, then you might encounter money laundering problems.

A bunch of small foreign deposits from various countries will trigger suspicion of money laundering, terrorism, and/or criminal activities.

[Saffer 27]

Nigeria, bank account details, lots of foreign transactions ... Well I'd be very surprized if this wasn't a scam job.

[Tonald 21]

I am a Nigerian and My advise to u is very simple, wait for ur husband to come and he should open bank account in his name then send it to his family and do d transaction himself, pls stay away from it

[Earlcole2011 0]

This sounds like a scam... My best advise is for you to not give out any of your information to anyone. My husband is from Jamaica and they have all types of scams like this.

[Queen2myKing 5]

Thank you for your response. My husband and I both have access to this Visa Journey account (yes it's a genuine poster). The reason for the post is to get opinions from people who don't know us personally because I wanted unbiased views. I appreciate everyone who gave an opinion.

[Neldreemz 13]

Negative... no wayyy! This smells of some form of 419. Ive heard of too many scam stories similar to this one that could leave you in serious trouble with the law... Stolen funds, money laundering, etc, etc!! If this was your husband's idea please question him in detail and at length regarding what he is really asking you to do. God bless!

[Queen2myKing 5]

My husband is the person who mentioned the idea to me. I immediately said no and the conversation became heated. As much as I try not to in my heart I question if he is clueless, thinks I'm clueless or the word I would prefer to never use when speaking of him but the word starts with a s---. To be filled with so much joy because we made it this far but now feeling this way...I can't even describe how I feel.

[aaron2020 11,651]

Tell your husband that he is now in America. He must do things the American way. If he wants to do things the Nigerian way, then you both will suffer the consequences. Tell him to Google "Nigerian bank scams."

Different countries mean having to adapt to different ways.

Edited May 23, 2015 by aaron2020

[Unshakable Faith 493]

Have you had an honest conversation with him about why this needs to take place? It is very dangerous to do in any country!

[D.Ba 85]

I don't get how it's dangerous to give people your account no. How are they supposed to transfer you money without it? On every bill I receive it states the banking details of where I have to transfer what's due.