#bankaccount

1. The "Bank Chain Dispute" Scam

. When a buyer on Binance P2P files a claim with their bank (e.g., unauthorized payment or hacking), the bank may reverse the transaction.

. This not only affects the recipient but also any other accounts involved in the money chain, leading to multiple innocent accounts being blocked.

2. Lack of Legal Clarity Around Crypto

. Pakistan currently lacks clear regulations for crypto transactions, making banks more likely to flag and freeze accounts without warning.

3. Unusual or High-Risk Patterns

. Frequent P2P transfers, especially to/from new counterparties or unknown fintech platforms, raise red flags with banks.

4. Disclosures in Payment References

. Explicit mentions like “crypto,” “Binance,” or “USDT” in payment notes often trigger suspicion and lead to account restrictions.

5. Poor Handling of Disputes

. Rushing into appeals or not cooperating with merchants during disputes exacerbates the risk of account freezing.

Pro Tips: How to Protect Yourself
Tip

Use Alternative Accounts:
Avoid using your main bank account. Instead, use fintech options like SadaPay, NayaPay, or Easypaisa for P2P trades. (CryptoCurrency PK FAQ)

Keep Transactions Clean:
Avoid including crypto details in payment references and keep transactions simple. (Binance)

Cooperate & Be Patient:
Provide requested verification to merchants (e.g., CNIC, selfie) and wait at least an hour before initiating disputes. (Binance)

Document Everything:
Retain all transaction records. If banned, request lock of disputed amounts—not full account suspension—and escalate if necessary. (CryptoCurrency PK FAQ, Binance)

Conclusion
Bank accounts in Pakistan often get blocked due to chain dispute effects and insufficient regulatory clarity, especially when dealing with P2P crypto trades. Using separate fintech accounts, avoiding explicit crypto references, cooperating during disputes, and staying patient can reduce your risk significantly.$BTC $BNB