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.
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