How to Withdraw Money from a Frozen Account

How to Withdraw Money from a Frozen Account

Withdrawing money from a frozen account is the most issue when you need some urgent money. If your bank account has been frozen, then there is absolutely no need for you to worry. You can unprotect your account by following some of the steps given here.

There are different reasons why a bank account is frozen. One of the reasons could be the transfer of money from the wrong place. If money came from an unknown place in your account, your bank imposes some restrictions on your account. You can’t transfer any kind of money from it.

The bank has to go through many processes to completely close your account, which you may also need to do. So if you are wondering if your bank account has been completely closed, then it can be a wrong idea.

How to Withdraw Money from a Frozen Account

If you are thinking of withdrawing money from your frozen account somehow, it is impossible. Because the bank always has security that makes it impossible to withdraw money from the frozen account until it is restored.

Here are some steps that you can follow to withdraw money:

  • Go to your bank and find out the reason for the bank account freeze
  • Provide your documents so that the bank can assist you
  • If your account is frozen due to suspicious activity, you must explain the reason and send a letter through a lawyer stating that you take full responsibility for any such activity.
  • If your account is frozen due to a debt, you have to pay the debt. After paying off the loan, the bank will reinstate your account.

If your account is blocked through online transactions, you can withdraw money from the checkbook. But for that, you have to go to your bank and after going there you can reset your account and activate online transactions.

Why your account is frozen?

There can be many reasons for freezing the account. The bank causes excessive transfer of money to your account, the account being logged in 2 places, illegal activity, ongoing violations of the bank policy, and account limits.

Your Account may be inactive for a long time

Too many banks do this that if your balance is zero and you are not using this account, then they can close the account without informing you. The bank is responsible for this if your account will be closed while having the balance.

So to resolve the issue you have to go to the bank branch and ask the bank about your account details. Keep in mind that if your account is closed then it is unable to reopen. You can also open a new bank account.

You may not have repaid the loan you took

If you have taken a loan from any bank and you have not repaid it, the bank can freeze your account. In addition, if you have borrowed from a prepaid company the prepaid card companies can also freeze your account after taking a decision from the court.

Suspicious Activity

If any suspicious activity is seen in your account, the bank can freeze your account. Accounts are frozen due to incidents such as excessive money transfers, terrorism from outside the country, and money laundering.


Due to non-payment of tax on time, your bank account may be frozen after which you cannot use your account or make any transactions in it. In such cases, you have to contact your bank and pay your tax. After paying the tax, it will take 2 to 3 working days after which your account will be restored.

Haider Ali

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Haider is a knowledgeable writer at, covering finance, technology, and reviews. He offers insights on investments, gadgets, and more to help with informed decisions.


  1. DavidJune 9, 2022

    I need help in withdrawing funds from a hold account with FNB.

  2. CHY UEI GOTOJune 12, 2022

    My money was deposited in Canadia Bank of Cambodia for $ 2 million. I have been depositing my deposit with that bank since 2014, when I needed to withdraw money from Canadia Bank. 2 million dollars can not be deposited because the bank in the United States accused me of being a criminal, my money was frozen by the US bank and asked me to release the drive with the US bank before you can put my money back. Can you help me?

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