Your bank asks: “Where is the money from?”
How to respond to avoid getting blocked on P2P 🛡️
When working on Binance P2P, one day your bank might write:
“Explain the source of the funds” or even “Clarify what this transfer was for.”
Calm down. This is a normal check, and here’s how to respond properly:
The main rule:
Do not mention the words “crypto”, “USDT”, “Binance”, and other crypto-like terms.
This 🚨 is a trigger for the bank → possible blocking.
What can you reply? ✔️
Here are safe options that work well:
1️⃣ “Private financial assistance from relatives/friends”
2️⃣ “Debt repayment”
3️⃣ “Transfer based on personal agreements”
4️⃣ “Providing consultations/informational services (one-time)”
5️⃣ “Payment for freelance service”
What NOT to say ❌
⛔ “I sold crypto on Binance”
⛔ “This is for USDT”
⛔ “I am engaged in P2P trading”
⛔ “This is payment for a crypto transaction”
Even if everything is legal — banks dislike P2P due to anti-money laundering laws.
If your account does get blocked:
1️⃣ Contact bank support — they often unblock after explanation
2️⃣ Say that this is a private transfer based on a personal agreement
3️⃣ Do not panic and do not conflict — it’s better to speak clearly and calmly
4️⃣ Meanwhile — switch to a backup card (so it's better to have 2–3 banks)
Advice from traders:
Open a separate card for P2P.
Do not mix personal expenses and P2P money — this makes it easier to explain to the bank and avoid problems.
Conclusion:
Banks can check, but it's not the end of the game.
The main thing — speak neutrally, do not mention crypto, and always have a backup option.
This way you will save your income and nerves!