I’m not really talking specifically about Monzo, just any bank following the current laws in this area. I get that a bank would always have a a reason for freezing an acc in these circumstances, but even Monzo admit in the blog post there can be false positives, and my point before was that at the point of your account be frozen, you haven’t even been charged with a crime, and if you are one of those false positives, you face having no access to your funds and no idea why (as, being the false positive, you won’t have committed any crime).
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