Your account is frozen.
A frozen account is a hard moment – your money is sitting there and you cannot move it. Most of the time a freeze is a compliance review, and a review can be answered, once we understand what the bank flagged.
What triggers a freeze
Why the account was frozen
A freeze usually starts with the bank’s ongoing monitoring. Once an account is open, the bank keeps watching the transactions and reviews your risk every few months. These are the triggers we see most often. The video below walks through how a bank scores an account.
A payment to or from a flagged party
- “We sent one supplier payment, and the next day the account was frozen.”
A single transfer to a sanctioned country, or an incoming payment from a bank on the U.S. SDN list, is usually enough to freeze an account right away. You might not even know the other side was flagged – the bank’s software checks every counterparty against lists you usually have no way to see yourself.
The fix: we trace the flagged transaction, and show the bank’s compliance team who the counterparty really was and why the payment was legitimate.
A question you could not answer in time
- “The bank asked about one payment, I was slow to reply, and they froze everything.”
During a review the bank asks you to explain a specific payment: which invoice it relates to, and where the money came from. If the answer is missing, or comes too late, the review usually turns into a freeze. To a compliance team, an undocumented payment usually reads as something you are hiding.
The fix: we assemble the documents and the source-of-funds story behind the flagged payment, and answer the bank completely, while the account is still under review.
Money that moved in a suspicious pattern
- “It was my own money moving between my own companies. To them it looked like laundering.”
Funds that move in circles between related companies, or money that comes in and goes straight out with no profit left behind – to a monitoring system this can look like money laundering, even when every transfer is clean.
The fix: we show the economic logic behind the flows – what each payment was for, and why the pattern makes sense for your business – with the documents to back it.
Your activity stopped matching the file
- “We told them we trade in Asia. Then a large European invoice came in, and the account froze.”
When you opened the account you described a business – what you sell, and the countries you sell to. If your real payments drift away from that description, the monitoring system reads the gap as a risk. For a trading business, the real activity often moves on before anyone updates the bank.
The fix: we update the bank’s file to match what your business does today, so the gap that triggered the freeze closes.
A periodic re-check flagged something new
- “Nothing changed on our side. They just re-ran the checks and stopped the account.”
Every few months the bank reviews your risk again and re-runs the sanctions and adverse-media screening. A new name match, or a counterparty that was added to a list since you onboarded, can freeze an account whose behaviour never changed.
The fix: we work out what the new screening picked up and whether it is a false match, then give the bank the context to clear it.
How we work a freeze
How we approach a frozen account
The same four steps run on every freeze case.
Read the freeze
We get the exact notice and find the trigger the bank acted on. The reason in the letter is usually generic, so we read the account and the payment history to find the real one.
Answer the bank
We assemble the documentation the freeze calls for – the contracts and the source-of-funds story behind the flagged payment – and respond completely, before a review hardens into a closure.
Work the compliance team
We deal with the bank’s compliance team directly to get the hold lifted. If a provider stalls without fixing it, we escalate through the formal routes: a written complaint, and the financial ombudsman if needed.
Secure an exit and a backup
We set up clean banking elsewhere so the business keeps running, and so a single provider’s review can’t trap all of your operating money again.
One case, end to end
Frozen balance, released through the ombudsman
Trading company · operating balance frozen on a payment platform
A trading company whose founder holds a Tier-4 passport kept its working balance on a large international payment platform – the kind that is quick to open and easy to use. One day, with no real explanation, the platform froze the account with the full balance inside. Payments stopped.
First we found out why. The freeze had nothing to do with what the company had done. One of its own customers held an account at the same platform; when that customer’s accounts were shut down, the link was enough to push the company’s risk score – already not low – over the platform’s line. So we did the work that moves a compliance team: rebuilt the full source-of-funds and transaction history and answered every question in the format they wanted. Support still went in circles – new managers kept asking the same things while the money sat frozen. When it was clear the platform would not resolve it on its own, we filed a formal complaint with the UK Financial Ombudsman.
The money came back in full the day after the complaint landed – paid out to a backup company account we had opened ahead of time, so the business could use it straight away.
Anonymised case · international payment platform
The fix starts with reading the freeze.
We have a thirty-minute conversation. You explain what happened, and we tell you what can be done to get your money moving again.
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