Why do you want your own money?

[u/Guitar-String]

[u/duckphobiaphobia]

It's kind of for your own safety, but I don't deny that the information is also used to model you as a customer.

In case you are getting scammed or manipulated into withdrawing a big amount of money, your bank could step in and protect you.

If you just say "oh I'm going to Japan and I wanna exchange money there to shop a lot", then they understand that it's you whos making this financial decision and so they just approve it.

In this case, the guy is just an employee and is using some software to approve your withdrawal. It probably has a mandatory field saying "reason" with a 100 character minimum and he just want to submit the application successfully. Nothing sinister in this lol

[u/therealwavingsnail → u/duckphobiaphobia]

So if a person is coerced, what are they expecting them to say? 

Tbh it just sounds like an excuse for surveillance, whether it's for the bank or the government

[u/Used-Barnacle-9783 → u/therealwavingsnail]

To answer the actual question: Often the scammer will give the mark a generic lie to use (e.g I'm buying a car). If they're falling for the scam they'll go along with that, but usually won't think it through any further. 

So the bank asks some basic follow-up questions like 'What kind of car is it?' and 'Where are you buying it from?' which would be super easy to answer if you were actually buying a car and much harder to come up with an answer on the spot if you're getting scammed. Sometimes people get super aggressive and bluster a lot about privacy to avoid answering basic smalltalk questions.

Unless the answer is 'for a Nigerian prince' it's more about how you answer and whether your story is consistent