Bank account frozen by cyber crime? Do this now.
Watch: the account-freeze episode
Why accounts get frozen after a cyber-crime complaint, and how to get yours unfrozen — EnfoldAI’s podcast episode with a cyber expert, in plain language.
- What to ask your bank for first — transaction, amount, police station, Investigation Officer
- What to do when the case was filed in another city
- How to prove the money was received in good faith
- Freeze vs hold vs lien — what the three words actually mean
With Sunil Sadasivan, cyber security expert — 1,000+ cyber fraud cases, 650+ conferences.
Step 1 of 4
What to collect from your bank
Visit your home branch in person. Ask for everything in writing — verbal answers change.
Collect these — in writing
Step 2 of 4
If the case is in another city
Freezes often come from a complaint filed far away — the money passed through your account's "layer". You do not have to travel immediately.
- Contact the Investigation Officer by phone/email first — ask what they need from you.
- Visit your nearest cyber cell with your evidence; they can coordinate with the case cell.
- Keep a written record of every call and visit (date, name, what was said).
Step 3 of 4
Prove the money was received in good faith
The IO needs to see that you didn't knowingly receive fraud money. Evidence beats explanation.
Counts as evidence ✓
- ✓ Invoice or order matching the amount received
- ✓ Chat / email where the deal was agreed
- ✓ Delivery proof, courier receipt, service record
- ✓ Your bank statement showing normal history
Weak on its own ✗
- ✗ Verbal agreements with no record
- ✗ Screenshots edited after the fact
- ✗ "I didn't know the sender" without context
Step 4 of 4
Write the unfreeze application
You will need a formal application to your bank manager and, in most cases, to the cyber cell. We generate both for you — free, in English or Hindi.
Generate your unfreeze application — free
Answer a few questions. Get a formatted letter for the bank manager + cyber cell. English / हिंदी.
Start the letter generator →