Account frozen or closed

Three things to do in the next 72 hours.

1. 01

   Get the reason in writing.

   Ask the provider for the specific ground for closure or freeze and the expected timeline; in the UK, most accounts opened since 28 April 2026 are owed 90 days’ notice and a specific reason, unless the provider suspects serious crime or cannot complete its checks. Keep every message.

2. 02

   Redirect incoming payments today.

   Notify your top 10 counterparties with a new account or a temporary hold; unmatched inbound funds are the first thing that gets stuck.

3. 03

   Find who takes your business first.

   Run the free check: it shows which providers’ own published rules take your business and what to prepare. Then apply to one provider at a time: a second decline within weeks is harder to explain than one.