New framework to curb repeat offenders aims to disrupt syndicates and protect the public.
Singapore will roll out a new framework in October 2025 restricting scam mules’ access to key facilities such as banking services, mobile lines, Singpass, and Corppass. Authorities say the move is necessary to stop repeat offenders from fueling syndicates responsible for hundreds of millions in scam losses.
New Clampdown Framework
The joint initiative, announced on September 17 by the Singapore Police Force, Monetary Authority of Singapore (MAS), Infocomm Media Development Authority (IMDA), and GovTech, introduces phased restrictions. Beginning in October, scam mules will face blocked access to new bank accounts and subscriptions for mobile lines. Restrictions on Singpass and Corppass will follow later.
Banking and Mobile Restrictions
Under the framework, offenders may be barred from using digital banking, card transactions, ATM withdrawals, or PayNow. They could also be prohibited from registering new mobile lines, a resource scammers frequently exploit to mask operations and set up fraudulent social media accounts.
Authorities confirmed that repeat mule offenders subscribed to over 11,000 mobile lines in 2025, highlighting how local facilities remain critical for scam syndicates. Nearly 20,000 scam cases were reported in the first half of 2025, with estimated losses of SGD 456.4 million (USD 357 million).
Tailored and Phased Measures
The severity and duration of restrictions will depend on the level of risk posed by each individual. Those previously prosecuted, fined, warned, or under investigation for mule-related offences may be affected. Police will notify offenders of their status and manage appeals. Officials noted that restrictions would balance disruption of scams with individuals’ basic financial and communication needs.
Rising Use of Cryptocurrency
Authorities also flagged the growing reliance on cryptocurrency transactions to launder scam proceeds. The anonymity of digital assets, combined with traditional banking channels, makes tracing funds difficult. By cutting off mules’ ability to access local facilities, the government aims to choke syndicates’ financial lifelines.
Broader Enforcement Efforts
Singapore criminalized the disclosure of Singpass credentials for illicit use in 2023, with offenders facing up to three years in jail and fines of SGD 10,000. Sentencing guidelines now recommend tougher penalties for scam-related offences, underscoring the government’s intent to escalate deterrence.
Protecting Public Confidence
Authorities stressed that the clampdown is essential to safeguard Singaporeans from financial fraud. “The success of scam syndicates hinges on local persons providing their bank accounts, mobile lines and other essential facilities,” the agencies said. “We have to restrict access to disrupt their operations and protect the public.”
By limiting scam mules’ access to critical facilities, Singapore is reinforcing its position as a regional leader in financial crime prevention. The framework not only disrupts syndicates’ operations but also restores public confidence in the nation’s digital and financial systems, a step vital for both Singaporeans and its global reputation as a secure hub.
Sources: AsiaOne (2025) , CNA (2025)
Keywords: Scam Mules, Banking Services, Mobile Lines, Singpass, Corppass, Scam Losses
