Should I Give a Potential Sugar Daddy My Bank Login Information?

By Caitlin


Date a Millionaire today. Find them at, as seen on TV.

This article is a quickie and I apologize in advance if it comes off a bit harsh, it was written frantically, in response to a whole bunch of comments and emails we’ve received on the exact same scenario: A potential sugar daddy wants my bank login information.

That’s just not kosher. And if it’s just one sugar baby who’s asking the question, it’d be bad. But since there are several sugar babies that are pondering the same thing, this absolutely must be addressed. In detail.

And yes, it may sound harsh but take it as what it is: a warning shout to sugar babies. After all, the last thing we want is for you to get scammed. 

So the next time a potential sugar daddy asks you for your banking details, here’s a list of things you really must keep in mind.

Do you actually know this person?

You meet someone online, he has nice pictures and he sounds promising. You chat, exchange a few pictures and bam! He wants you to be his sugar baby.

This does not check out. A sugar relationship is not established quite so easily. In fact, it’s pretty much like any other relationship: you chat, you meet, you get to know each other, you develop a sense of what each person is about, and then you decide whether you want to pursue things further with that person.

Think about this way: if you were chatting with a guy on Tinder for all of three days and he proposed to be your boyfriend, that’d raise eyebrows, right?

It’s the same with sugar dating. So if there’s a potential sugar daddy you’ve exchanged a few texts with but have never met up with, don’t know much about, and who doesn’t know much about you…be very, very suspicious when he suddenly wants an arrangement and offers to send great big gobs of cash your way. ‘Cause 99.99999% of the time, yes, it is a scam.

Some things are better kept to yourself

There is absolutely no scenario where a potential sugar daddy should ever need to have your bank login info. None.

In fact, even if you’ve been with a sugar daddy for years and you have tons of trust and respect for him – even then, he does not need to know your bank login ID and password. No real sugar daddy would even ask for this information.

Actually, no one has the right to ask for this information. Not even your closest friends. And definitely not a man you just met. It’s not only a huge invasion of privacy, it’s utterly unnecessary.

The next time a POT asks you for this information – no matter what his reason – do yourself a favor and block him immediately. Then, do other sugar babies a solid and report the scammer to the sugar dating site you met him on.

No relationship = no information

There are very few rules in the sugar world (every sugar baby has her own tastes and preferences, after all), but this one is a hard and fast rule: If you have never met the person, do not give them any banking information. At all.

Because the truth is, you have no idea if they are who they claim to be. That promising POT could be a bored housewife in Timbuktu. He could be a group of scheming teenagers. Or he could just be your run-of-the-mill scammer who’s decided sugar babies are his favorite targets.

You know by now that bank login information is to never be given out. But this applies to your bank account number as well, especially if you have never met the potential sugar daddy.

Why? In Europe, it may be okay. But in the US, there’s little security for bank drafts. Armed with your bank account routing numbers, scammers can withdraw money from your account without your authorization and even buy stuff online with demand drafts.

So is there ever a case when you can give your bank account number to a sugar daddy? Sure, and that’s when you trust him and you’re in an actual arrangement with him. This includes knowing where he works, where he lives, and other (verifiably) information about him and his life, i.e. a real relationship between two people.

Until then, he can send the money to you via PayPal, Bitcoin or even as a pre-paid card to a P.O. Box. But he’s not getting your bank account info, okay?

You’re not a special snowflake

Okay, you are. We’re all very unique and special but when it comes to scammers, you’re just another easy paycheck.

The thing is though, scammers can get pretty creative and in the process, really mess with your head. You know in your gut that it’s fishy but you can’t help think to yourself, Hmmm, maybe it is true, maybe this is an exception.”

It’s not.

It doesn’t matter what the variation is:

  • Maybe he wants you to take a loan which he promises to pay back in lieu of actually giving you the allowance himself (what?!)
  • Maybe he has a huge fintech project in the works and he’s going to give you equity if you pay for all his living expenses (double what?!)
  • Maybe he’s a Nigerian prince who’s trying to transfer millions of rubies out of his country and he’ll reward you generously once you wire him…well, you know where this one’s going

And you do know. Even if it’s not the same old Nigerian scam, if it’s some convoluted payment plan that makes you think “what?! is he serious??” – you know in your gut that it is a scam.

So don’t fall for that tempting idea that maybe, just maybe, this can be for real. It’s not. Real sugar daddies have real money and they’re willing and able to provide a real, straightforward allowance for an arrangement that they want.

The others that ask you to jump through hoops and use your own money to get your allowance? Wish them the best of luck with their “business” and cross them off your potential sugar daddies list.

Desperation can make you do stupid things

As I mentioned in a previous post, when an aspiring sugar baby is in desperate need of money, she might be fooled into forking over valuable information at the promise of a big allowance to come.

It happens because desperation makes you do stupid things. When you’re hungry, it’s hard to keep a clear head. Yet – these are the times when you most need your wits about you.

So no matter how much you want an allowance right now, no matter how much you want to believe this person who’s promising an arrangement and a hefty allowance – whenever a potential sugar daddy asks you for something that makes you suspicious, check in with yourself to see if you’re considering it out of desperation or if you’re thinking with a clear head.

After all, you’re in this for profit, not loss. And that requires a clear head to get.

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(20) comments

Gab May 5, 2017

Every sugar daddy I have came across says they wanna put me on their payroll,so I need a bank. Then others say they need the same thing cuz they have a business and their account officer handles their stuff or something similar, so they need online access.

    T June 12, 2017

    Yes i have recently gotten the account officer handles their stuff. How’d you handle it, in that case?

    Rachel June 19, 2017

    And have you ever gotten scammed from giving them that information?

      Tanab October 8, 2017

      Yes I have been scammed from giving my bank login etc so don’t do it

Nina grace August 1, 2017

What if he asks to send you a check? I mean I still think it’s a scam because he wanted to send 2,000$ over email never spoke on the phone or anything but I feel like the info I would have to provide him with to issue me a check he could use against me no? He asked for my full name
Felt like that was fishy…please help. I stopped talking to him but just for future reference. Thank you!

    Caitlin August 2, 2017

    Hi Nina, that’s just weird. There’s no point in even thinking what he’s planning on doing with that information – maybe he just collects personal info to sell to companies. Either way, if it feels really fishy – it’s best to drop it. There are other fish in the sea. Good on you for moving on from this one!

jackie September 3, 2017

My POT wants my banking info because he is out of the country and says that’s the only want to send money. He is saying he has a banker but I don’t know if I trust him. He seems genuine and wanted me to delete my profile on SA.

He also sends me pictures regularly and actually seems legit. IDK what to do.

    Paula September 17, 2017

    @jackie I literally had the same exact thing happen to me. They’re out of the country and they have their banker handle all of their money. Needed my login and password info and then when I asked him to prove to me that he was real he got mad and told me bye and that he just wanted to spoil me but I didn’t want to help myself.

Zach September 20, 2017

For some reason I have a lot of older guys who want to pay me out and be my sugar daddy, so I let them…This one guy said he would send me 250$ every 3 days but he needed my Bank of America log in I.D and password I said why do you need my password he said because he only does “mobile check only” should I do it

    Melissa October 4, 2017

    I am going through the same thing. I really dont want to be scammed but it seems so easy to be tricked.

Heather September 26, 2017

I have an issue that concerns that one sugar daddy that wants to send it through wanting my account information along with my username and password, and one that only does mobile deposits.. It has been fishy to me for a while now.

Sugababe1127 September 27, 2017

I have come to a conclusion that everyone on find rich guys site are frauds

Caprice lecoy October 9, 2017

So this guy, asked for my account number name,user and password. My stupid ass sent my account number but he sent me pictures of him and his drivers license. I asked if he could use PayPal or email it. But he said his financer doesn’t do that.

    Kendall November 3, 2017

    Mine also says that I “don’t want to help myself” and he just wants to spoil me. I ALMOST fell for it. Then I pulled back and was like…wait honey…he was offering a mobile deposit if I gave my login info. He also says he “his lawyer doesn’t allow him to do business with Bank of America”. I now assume this is because BOA is extremely secure.

    Lauren November 6, 2017

    I’m running into that same situation right now. He says he’s following his bankers advice because last time he got scammed and the girl stopped talking to him after a huge pay out.

Tonio October 18, 2017

I have one and he paid my Credit cards off and he asked me for my login information I gave it To him and it seems legit but idk he disappeares for a little while then comes back

Adri October 19, 2017

Lord, I’m dealing with a similar situation. A sugar daddy has scoped me out. I’ve never really been involved in anything like this and I only barely turned 18, so believe me when I say I know nothing about this line of work. My main thing is he claims he is out of country rn and that his account manager needs my account name, number, routing number, and my online login. Should I just dilvulge this information?

Brea October 25, 2017

There was 3 different sugar daddies asking for my banking info and i told all of them to get paypal or a money sending app. Theres so much fraud and nonsense going around nowadays.

Nana November 4, 2017

I’m new to the site and the 2 sugar daddies I met want me to make a bank account they said it’s the only way for them to send money to me are they scammers ?

Cari November 7, 2017

What about routing and account numbers? I’ve had 4 people ask me for those and I don’t know if I should trust it or not or if I should just ignore it.

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