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Why Your Business Account Is “Under Review” Forever

  • monmonq1
  • Dec 20, 2025
  • 2 min read

You submitted the documents. You followed the instructions. Weeks pass… then months.

Your business account is still “under review.”

Here’s what’s really going on 👇


1. Your Ownership Structure Looks Risky

Complex structures trigger red flags:

  • Layered companies

  • Nominee shareholders or directors

  • Unclear Ultimate Beneficial Owner (UBO)

If the bank can’t instantly understand who controls the company, review never ends.


2. Your Source of Funds Isn’t Clear

Banks must answer one question:

“Where does the money actually come from?”

Vague answers like:

  • “Online business”

  • “Consulting”

  • “Investments”

…slow everything down. If income can’t be traced cleanly, compliance stops the process.


3. Your Business Activity Doesn’t Match Reality

You say one thing on paper, but your data says another:

  • Website doesn’t match stated activity

  • Transactions don’t align with declared business model

  • Geography of clients looks suspicious

Mismatch = endless review.


4. You’re in a High-Risk Industry

Certain sectors are automatically scrutinized:

  • Crypto & fintech

  • Gambling & gaming

  • Forex & trading

  • Payment processing

  • Adult content

Even fully legal businesses in these industries face longer compliance checks.


5. You’re Ignoring or Delaying Requests

Banks move slowly — but silence makes it worse.

Missed emails, partial documents, or slow replies can reset the review clock every time.


6. The Bank Doesn’t Trust You (Yet)

This is the part no one says out loud.

Banks don’t approve accounts — they assess risk. If the risk score isn’t low enough, your account stays frozen in “review mode.”


How to Get Out of Review Hell

  • Simplify ownership where possible

  • Clearly explain your business model in plain language

  • Provide clean, consistent documents

  • Respond fast and completely

  • Choose banks aligned with your industry


Bottom Line

“Under review” doesn’t mean the bank needs more time.

It usually means something doesn’t add up.

Fix the risk signals — and the review ends.


Contact us 👍




What’s app : +44 7451222110


Telegram: +66 936825227



 
 
 

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