Why Do Bank Accounts Get Frozen?
45sDirectly addresses a common fear with clear reasons, making it highly relatable and searchable.
▶ Play ClipAI Summary
This video explains why bank accounts get frozen by cyber crime departments in India, how to get them unfrozen, and how to avoid such situations. It covers common causes like color prediction games, P2P crypto trading, and renting out bank accounts, and provides practical steps for dealing with a freeze.
Chapters
[01:00]
Common Causes of Bank Account Freeze
Bank accounts are often frozen due to involvement with betting, gambling, color prediction games, crypto P2P trading, and receiving payments for tasks like Google ratings. These activities are linked to illegal money flows.
[02:36]
Renting Bank Accounts is Risky
Scammers offer money (₹2000-3000 per day) to rent bank accounts via WhatsApp, Telegram, or Instagram. Doing so significantly increases the risk of the account being frozen by cyber crime authorities.
[03:02]
First Steps to Unfreeze an Account
Visit your bank to get details about the freeze, including the amount blocked, transaction ID, and the date. Crucially, find out which city's cyber crime department froze the account, as it may not be your local one.
[04:00]
Contact the Cyber Crime Department
Obtain the contact number and email of the relevant cyber crime department. Call them to understand why the account was frozen and in which layer the money came in (layers 1-2 indicate direct involvement).
[04:43]
Police Notices: First vs Third Party
Police first send a notice. If the complaint is 'first party' (direct involvement), you may face problems and arrest. If it's 'third party' (fraud money came through you indirectly), police can send a notice but cannot arrest you.
[05:49]
Understanding 91 CrPC and 41A Notices
A 91 CrPC notice is sent by the bank for KYC submission to cyber crime. A 41A notice is from the police, requiring you to appear for investigation within a specified time. Violating 41A can lead to imprisonment up to 3 months.
[07:47]
If You Cannot Travel for Investigation
If you cannot go to the cyber crime department in another city, contact them by phone or email. Explain your situation (e.g., student, working) and request to transfer the case to a cyber crime department closer to you for statement and KYC submission.
[08:38]
How to Avoid Account Freezing
Avoid accepting money from gambling, betting, color prediction, rating apps, or any task-based payment apps. These carry a high risk of account freezing.
Bank account freezes are often triggered by involvement with illegal money flows, such as betting, P2P crypto, or renting accounts. To resolve a freeze, contact your bank and the relevant cyber crime department, and be aware of the legal notices involved. Prevention is key: avoid accepting money from suspicious sources.
Tutorial Checklist
1
03:02
Visit your bank and ask for details about the freeze: amount blocked, transaction ID, date, and reason.
4
05:49
If you receive a 91 CrPC notice, submit your KYC and six months' account statement to cyber crime.
5
06:33
If you receive a 41A notice, appear for investigation within the given time period to avoid arrest.
6
07:47
If you cannot travel, contact the cyber crime department and request to transfer the case to a closer department.
Study Flashcards (8)
What are common causes of bank account freezing mentioned in the video?
easy
Click to reveal answer
What are common causes of bank account freezing mentioned in the video?
easy
Click to reveal answer
Betting, gambling, color prediction games, crypto P2P trading, and receiving payments for tasks like Google ratings.
01:00
What is the risk of renting your bank account to scammers?
easy
Click to reveal answer
What is the risk of renting your bank account to scammers?
easy
Click to reveal answer
High risk of the account being frozen by cyber crime authorities.
02:36
What is the first step to unfreeze a bank account?
medium
Click to reveal answer
What is the first step to unfreeze a bank account?
medium
Click to reveal answer
Visit your bank to get details about the freeze, including amount blocked, transaction ID, and date.
03:02
What is the difference between a first party and third party complaint?
medium
Click to reveal answer
What is the difference between a first party and third party complaint?
medium
Click to reveal answer
First party means direct involvement in the fraud; third party means fraud money came through you indirectly without direct involvement.
04:43
What is a 91 CrPC notice?
medium
Click to reveal answer
What is a 91 CrPC notice?
medium
Click to reveal answer
A notice sent by the bank for KYC submission to cyber crime.
05:49
What is a 41A notice?
medium
Click to reveal answer
What is a 41A notice?
medium
Click to reveal answer
A notice from the police requiring you to appear for investigation within a specified time period.
06:33
What is the consequence of violating a 41A notice?
medium
Click to reveal answer
What is the consequence of violating a 41A notice?
medium
Click to reveal answer
Imprisonment for up to 3 months.
07:31
How can you avoid bank account freezing?
easy
Click to reveal answer
How can you avoid bank account freezing?
easy
Click to reveal answer
Avoid accepting money from gambling, betting, color prediction, rating apps, or any task-based payment apps.
08:38
💡 Key Takeaways
💡
Renting bank accounts is a major risk
Highlights a common but risky practice that many people may not realize leads to account freezes.
02:36
📊
First vs third party complaints
Clarifies the legal distinction that determines whether police can arrest you.
04:43
📊
91 CrPC vs 41A notices
Explains the difference between two legal notices, which is crucial for responding correctly.
05:49
📊
Penalty for violating 41A
Provides a specific legal consequence (up to 3 months imprisonment) that underscores the seriousness of ignoring notices.
07:31
⚖️
Prevention is key
Offers a simple, actionable rule to avoid the entire problem.
08:38Full Transcript
[00:02] we will talk about bank account freeze. If your bank account has been video is going to be very useful for you. And if your bank account has not been frozen yet and you want that your bank account should never be
[00:17] very useful for you. Because in today's video I am going to tell you why the bank account gets frozen. Ok? Why does a bank account get frozen? How to get it unfrozen ? If your
[00:32] bank account is frozen due to cyber crime, how do I get it unfrozen? If we do not get it unfrozen, what problems will we face ? Can the police come to our house or not? We will also learn this in this video and how to avoid the problem of bank account freezing.
[00:47] We are going to cover all this in this video so that you will know why bank accounts get frozen and how to avoid it. If the bank account is frozen, then how to get it unfrozen, we will also learn this in this video.
[01:00] unfrozen, we will also learn this in this video. So why is a bank account frozen in the first place ? Whose bank accounts are frozen? So friends, nowadays many people do betting , gambling and the
[01:13] most popular game in the market right now is color prediction game or color trading. If you play this and withdraw money from here, your bank account may be frozen here. The second thing we will look at here is crypto P2P trading.
[01:28] P to P means person to person peer to peer. If you have done this trading or your bank account has been frozen. So friends, further you will know how to get it unfrozen. But I am now telling you which people's bank accounts get
[01:41] frozen. One is color prediction, P to P and here you can see gambling apps and games. Ok? There are many websites like betting and gambling from where people earn. People do not know how risky it is to earn money from there.
[01:54] Those people are earning money but where is that money coming from ? That is illegal money. Because there is no Betting Gambling Act in India. The money that you people are earning is fraud money. It is illegal money.
[02:08] Ok? Next we will see how ratings work here. You must know that brother, you have to give rating on Google. You have to rate the movie. If you do that rating then you will be given prepaid task camp ok you will be given money first. All you have to do is rate,
[02:22] go to Google, rate the hotel. If you do such work and someone is paying you, then even if that payment comes into your bank account, your bank account can be frozen. And the biggest thing that is happening here right now is that
[02:36] people are renting out their bank accounts to scammers. They get messages on WhatsApp , Telegram, Instagram saying, brother, please give us your bank account on rent. We will give you ₹2000, ₹3000 per day. And people
[02:48] also give their bank accounts on rent. So if you do this or you get such a message , if you do this then brother there are chances of your bank account getting frozen and bank accounts of many people have also been frozen due to this reason. Ok? Cyber crime
[03:02] freezes such bank accounts. So friends, first of all, if your bank account is frozen, then how to get it unfrozen? So what do you have to do first ? You have to go to your bank. You have to go to your bank.
[03:17] You have to go there and get the details. You have to ask for the proper details there and there you will know how much of your amount has been absorbed there. That is, how much of your amount is blocked there. Which transaction ID was it? You have to find out on which day the
[03:32] money came and why your bank account is frozen. The most important thing you have to ask the bank people is from which city your bank account is frozen. If you are living in Gujarat. Your bank account is from Gujarat.
[03:46] Okay, it is not necessary that cyber crime in Gujarat would have frozen your bank account. Be it Telangana, Karnataka or Bengaluru, they can freeze from many places. So first you have to find out which cyber crime department,
[04:00] frozen your bank account. Okay and you have to take mail from that cyber crime department. You have to take the contact number and go there and talk to the person. You have to call first and get complete details about why your bank account has been
[04:14] get complete details about why your bank account has been frozen and in which layer your money has come. Ok. There is a layer from one to two. If your money comes in front let transaction between one layer to another, then your bank account gets
[04:27] frozen by cyber crime. Next, we will see here what will happen if our bank account is frozen and we do not get it unfrozen? Can the police come to our house? So friends, first of all the police first
[04:43] sends you a notice. OK sends a notice and first it is seen that the complaint made on your bank account, the transaction made by you, is it a
[04:55] third party complaint, then what is the difference between these two? So let me tell you that first party means your direct involvement, if a direct complaint has been made against you then we will call it first party. If it is the first party
[05:08] then you may face problems. If your name is the first party in your complaint then you may face problems. And what does third party complaint mean ? So you have not directly cheated anyone. You have
[05:22] no direct involvement. But if fraud money or illegal money has come into your account through a third party, then we will call it a third party. In such a situation, the police can send you a notice but cannot arrest you. Ok? And if there is a first party
[05:35] complaint, a direct complaint, then the police can also arrest you. So first of all the police sends you a notice. Ok? Here you can see that you will get two notices, 91 CrPC and 41A. So what is the difference between the two notices here?
[05:49] What is the difference between the two notices and when does which notice come? So here let me tell you that the notice under 91 CrPC is sent to you by the bank. You can see this. Notice from Bank for KYC Submit. So you get the notice because you have to go to
[06:03] cyber crime. You have to submit your KYC. You have to tell your name. I have to tell you the address. I have to tell you my phone number. You have to tell your job profile about what you do and you have to give your six months account statement to Cyber Crime. That is why
[06:19] you get notice under 91 CrPC. Ok? And against that, you can see here why you get a notice of 41A? So brother, in that you are given a time period by the police. A particular time period is given by you and
[06:33] you are told that within this time period you have to come for investigation and you have to remain available. Ok? And if you violate this notice, the police here can also arrest you. You can see this.
[06:47] What will happen if we do not go after receiving the notice? So if you ignore the notice under 91 CrPC or 41A, then first of all they will send you a reminder. You can see because that is a type of violation. If you do not reply to the notice. Many people
[07:02] will ask, Sir, what will happen if we do not go or do not reply to the notice? So brother, this is a one type of violation. So first of all they will send you a reminder violation. So first of all they will send you a reminder and
[07:15] if we do not reply to 41A of CrPC, you can see it here. If we have been asked to be present there for investigation. You have received notice 41A. If you have been called within 7 days or 10 days and you do not go, then it is a type of violation
[07:31] and if you violate 41A of CrPC, then you can be imprisoned for up to 3 months. Okay, so friends, you have to keep this thing in mind here. So here we will see further that what will happen if we are not able to go ? We received the notice.
[07:47] We found out that our bank account was frozen. I probably live in Gujarat and my bank account is frozen in Bengaluru. So what if I am unable to go due to some work ? So friends, what do you have to do? You have to
[07:59] get the phone number of that cyber crime. You have to get the mail ID from there. You have to talk there that I am a student. Ok? I am a student or I work. I cannot come there for some reason. If you want, you can transfer the
[08:13] details of that case to the cyber crime department which is close to me. So I will go there and give my statement. I will submit my KYC. This way you can talk to them about who you are. You can tell them that brother, I have nothing to do with any fraud, that is,
[08:25] with this fraud. You can request as much as you want from them. Ok? And finally, here you can see what to do if we want to save our bank account from getting unfrozen ? Here I have written that brother, if you want to
[08:38] ? So you should not accept money from gambling applications, betting applications, aerators, color predictions, all such tempting games or rating applications or those which give you money through tasks.
[08:54] You do Because in such a situation, there is a big risk of bank account freezing. And friends, I would like to tell you one more thing here that if you are not able to go, then there are
[09:08] many advocates who can help you. Okay, if you don't have any such contact then message me on Instagram. I will tell you whom to contact brother. Okay, so this was today's video.
[09:20] Okay, so this was today's video. if it has happened then from which city it has happened and how much money of yours is stuck, in the next video. Till then take care. Bye. Jai Hind Jai
