Michael Boateng and Hakeem Adelakun, both 22 and from the Croydon area of south London, were charged with conspiracy to defraud contrary to common law.
An NCA spokesman said: "The Crown Prosecution Service's Organised Crime Division found sufficient evidence and was satisfied it was in the public interest to authorise charges."
The two men have been bailed to appear at Birmingham Magistrates' Court on December 11.
More top news
A transgender inmate has been found dead at Woodhill Prison in Milton Keynes.
Lexxie Harford has received hundreds of positive comments online after she decided to take social media to display her birthmark.
The opt-out system and the great generosity of families like Richard Taylor's brings great hope to those waiting for an organ transplant.