Money on the account - than what?

Just received 9900 eur in my bankaccount from a scammer. Ofcourse he wants me to transfer the funds with MG/WU which I will not do.

BUT How can they do this?? I mean technically being able to get it into my account. Are banks that stupid ???

pls comment

It's almost certainly been sent by a scammer from a phished Internet bank account. Done so that he can get hold of the money without leaving a trail that the victim's bank can follow. Until that bank finds out what has happened, yours will treat it as a genuine transaction.
if you haven't already, tell your bank what has happened. It's better if you do so before they find out when the victim's bank reverses the transfer.

Well, the company address who sent it is nearby. its almost they (the scammer) picked it up by google ?? So what does it make this transaction genuine ?

It's certainly not genuine. There's never a good reason to ask someone to send send money to someone else by Western Union or Moneygram.
I don't understand how the money came from someone local, but it doesn't change my belief that it isn't a genuine transaction. Can you post the email that refers to it please? Less your personal details of course.

Welcome to ScamWarners.

Anyone can make a deposit into an account if you know the account information. Others can not, however, take money out of an account.
In this instance, it sounds like your account has been "flashed". Account flashing is similar to a fraudulent check being deposited into it. The money will show in your account temporarily, before the fraud is found out.

Notify your bank that you believe the deposit/transfer to be fraudulent and why. Do not try to withdraw any of the money.

This topic contains the following information on account flashing:

•Flashing – this can happen in one of two ways, but basically involves the scammer trying to convince the victim that money has arrived in the victim’s bank account to stay, when really it is only paying a passing visit. The first way is when the scammer tells the victim he is making a direct transfer into the account using cash or a cashier’s check or some other secure payment method. The victim will see the proceeds in a couple of days, but actually the scammer has paid in a fake check, and the bank will eventually realise and debit the account again, leaving the victim out of pocket if he has sent on the proceeds. Essentially, it is like the basic check scam but with the scammer depositing the check instead of the victim. The other method requires the scammer to have access to a hijacked merchant account for credit card usage. These are the kinds of accounts any store or shop has, which enable them to make credits and debits to a credit card account with the card owner’s permission, of course. If a scammer has one, he can make a credit into the victim’s bank account with the merchant account, tell the victim the money is there, and later, when he’s got the goods or cashback he was after, debit the account again.

Well to update you, as of this afternoon (approx. 1,5 days after receiving the money) the bank account has been blocked by the bank, I found out when I first could not access it online, and later this was confirmed to be true when I called the bank. Reason they gave the money was stolen from another local bank and falsley tranferred into my account.

Thank you all for your helping posts here ... and Thank god that I did not fall for this piece of scam.
The account is btw a sleeping account, one that I never use much

But 1,5 day - uh oh - that’s really really tight ...
These thieves only have only a very small time-window to operate ...

Their window of opportunity depends on how long it takes the real account owner to discover the transactions.

If they have phished or hacked a personal account or smaller business account and emptied it, the owner will probably notice very quickly.

If they have phished or hacked a credit card, or an active larger business account, and they have only taken a small sum relative to the credit limit/account balance, it may take the real owner several days or even weeks to identify the fraudulent transactions. It could go unnoticed until the next monthly statement is reviewed.

That makes (some) sense thanks.
Indeed it appeared to be coming a from a small local business its bankaccount here very nearby about 10 miles up. But why would the scammer choose that one? (if he has a choice at all I mean)
It not very smart to trying transferring from that local one to mine as he know he will be dicovered soonest.
I am very sure the scammer himself is not local at all to this region, so how do they manage this ??

That's the part that's puzzling me. I can't see any advantage in a scammer raiding a local bank account rather than a distant one, or see any easy way of doing it.
Phishing emails are sent out in bulk as only a small number actually catch someone. Few email addresses indicate the locations of the owners, so how can a scammer find ones near you?
Coincidences do happen, but this would have been a remarkable one.

I remember a few years ago, when I was dealing with a credit card scammer for the first time (one who tries to turn stolen credit cards into cash), one of the first credit card numbers I saw belonged to someone only about 7 miles from me--in fact, he lived about a block from one of my closest friends. I live in a small town, not a major city! Sometimes coincidences do happen.

The location of the business relative to your location doesn't necessarily impact how long it takes to discover the fraud. A business hundreds of miles away may discover it sooner than a business one block away. While it's a bit of a coincidence, there's nothing extraordinary about the location.

The scammer may have stolen the account information himself, but it is equally likely he bought the account information, and he probably has very few usable accounts in your country. He most likely deliberately chose to have the money come from a bank in your own country for a couple of reasons--first, you (or any victim) would be more likely to get suspicious if the money was transferred outside your country; and second, the transaction itself would likely be scrutinized more (and possibly blocked) if it was international--the transaction was large enough that international regulations may have posed a problem for him. The scammer, who is not in your country and probably has never been there, probably knows nothing about the geography of the area and has no idea how close the company is to you.

Thank you for the follow up Dutchess. A big part of what scammers do is put the rush on victims and this is why. They do often work with a small window of time especially when dealing with cash.

Romance scammers are an exception to the rush - rush of the typical scammer. It is great that you were in communication with your bank and did not withdraw any of the money.