Dear Student,

Recently, there has been a significant increase in incidents such as fraud, illegal betting, and the laundering of proceeds from drug trafficking through the misuse of university students' bank accounts and digital wallets by third parties.

Knowingly and willingly allowing others to use bank accounts or digital wallets registered in your name under pretexts such as “earning a commission,” “debt settlement assistance,” “one-time use,” “harmless money transfer,” or similar excuses may incur criminal and legal liability under the Turkish Penal Code and relevant legislation. As the account holder, you may be held legally responsible for any transactions conducted through your accounts, regardless of who actually executed the transaction.

If you allow others to use your accounts, you may face the following consequences:

• Becoming the subject of criminal investigations and prosecutions

• Incurring a criminal record

• Being classified as a high-risk customer by financial institutions

• Restrictions placed on your bank accounts

• Rejection of future loan and credit card applications

• Imposition of judicial control measures (including international travel bans)

• Compensation lawsuits filed by victims

In such cases, defenses such as “I didn’t know,” “I just wanted to help,” or “I was only an intermediary” may not provide legal protection.

It is critical that you reject all offers promising financial gain in exchange for sharing your account or IBAN details—whether from acquaintances or strangers—and immediately report any suspicious activities to law enforcement authorities.