Frozen-card self-check

Front-end only · no live connection · your input isn't savedFor guidance — no guarantee against a freeze

When you receive money from selling crypto via C2C, banks do sometimes put a temporary freeze on the receiving card, and it often comes down to how you receive payments. Below are a few situations that tend to draw a bank's risk controls. Tick the ones that match your actual situation and click the button for a rough risk level and some tips. This is an experience-based self-check: it helps lower the chance, but can't guarantee you'll never be frozen. Read it alongside the "guide to avoiding frozen cards".

The card you receive C2C funds on is also tied to important uses like salary, mortgage or benefits The amount received in a single payment is fairly large Once the money arrives, you quickly send it back out or move it on fast You trade without really checking the merchant's completion rate and reviews Frequent payments in a short window, all large amounts You don't keep order, transfer and chat records You receive on someone else's behalf, or use a card in someone else's name

Note: the level is only a rough split by how many you tick (0–1 lower, 2–3 medium, 4 or more higher). It is not a precise score, and certainly not how a bank actually decides. For the concrete steps to lower the chance of a freeze, see the "guide to avoiding frozen cards" and "safe cash-out habits"; for picking a reliable merchant, see "Picking a C2C merchant".

A self-check cannot guarantee safety

A high-risk result only tells you where to check more carefully. Continue with causes, prevention and the response order after a restriction.

Understand frozen-card risk →