Three things to do in the next 72 hours.
Get the reason in writing.
Ask the provider for the specific ground for closure or freeze and the expected timeline; in the UK, providers must now give notice and reasons in most cases. Keep every message.
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.
Don’t reapply blindly.
A second decline within weeks is worse than none. Run the check, fix the flag that caused it, then apply to one provider at a time.
Seven questions, no documents. The result opens as soon as you finish.