When your bank account is frozen without warning
Most people find out their account has been frozen when a card payment is declined or a transfer fails. From that point, the essentials — rent, bills, food, family expenses — become difficult or impossible to manage.
Parslows supports individuals facing account freezes, helping you understand why it has happened and what can be done to resolve it.
What does a frozen account mean?
A frozen account restricts access to your money. Withdrawals, transfers and card payments are usually blocked, and in many cases incoming funds — including wages and benefits — are affected as well.
Why do banks freeze personal accounts?
Banks may freeze accounts for a range of reasons, including:
- Suspected fraud or suspicious activity
- Compliance or identity verification issues
- Outstanding debts or court judgments
- Investigations under financial crime legislation
- Account Freezing Orders issued by the court
Sometimes accounts are frozen simply because the bank requires further information.
Can my bank freeze my account without telling me?
Yes. Banks can legally freeze accounts without notice, particularly where notifying the account holder could interfere with an investigation. You should receive an explanation afterwards, although the details may be limited.
How long will my account be frozen?
It depends on the reason. Some freezes are resolved within days once information is provided. Others, particularly those involving court orders or investigations, can last weeks or months. Establishing the reason for the freeze is the first step toward resolving it.
What are my rights?
You have the right to be informed of the reason for the freeze where legally permitted, to challenge the freeze if it is unjustified, and to seek legal advice and apply to the court where appropriate. In certain circumstances, limited access to funds may be possible.
How Parslows LLP can help
We provide clear advice and practical support, including:
- Establishing why your account has been frozen
- Communicating with banks on your behalf
- Advising on court orders and investigations
- Challenging prolonged or unfair restrictions
We focus on achieving swift, proportionate solutions.
Speak to a Jersey litigation lawyer today
If your personal bank account has been frozen and you are unsure what to do next, contact Parslows LLP for clear, confidential advice.
Frequently asked questions
Yes. Banks can freeze accounts without warning where they suspect fraud or financial crime, or when complying with a court order. You should be informed afterwards, although details may be limited.
Accounts are commonly frozen due to suspected suspicious activity, identity or verification issues, unpaid debts, court judgments, or investigations under financial crime legislation.
Usually not. Withdrawals, transfers and card payments are normally blocked. In some cases limited access to funds may be permitted, but this often requires legal intervention.
Some freezes resolve within days once the bank has the information it needs. Others, particularly those involving court orders or investigations, can last weeks or months.
Yes. Incoming payments such as wages or benefits may be restricted, causing immediate financial difficulties.
Yes. You may be able to challenge the freeze or apply to court depending on the reason. Legal advice is important to understand your options.
An Account Freezing Order is a court order preventing access to funds during an investigation. It can apply to individuals as well as businesses.
If your account remains frozen, you are unclear about the reason, or the situation is causing financial hardship, you should seek legal advice as soon as possible.
Alexander English is a Partner at Parslows LLP and heads the litigation and dispute resolution department, with more than 20 years’ experience across commercial and civil litigation matters.
