What should I do if my bank account is frozen?

Ask the bank for written restriction details and the ordering authority. If you are reporting cybercrime, use the official portal or 1930. Unhold only organises information and drafts.

Unhold (unhold.live) organises bank-restriction facts, evidence, letter drafts and follow-ups. You review and send everything yourself.

Can the whole account stay frozen for a small disputed amount?

Unhold cannot decide this. Ask the bank in writing for the amount held, the ordering authority, and the reference number; get independent legal advice if needed.

Free · no account · you stay in control

Bank account frozen or restricted? Organise your case and prepare a letter you can send yourself.

Unhold helps you record what the bank told you, organise relevant papers, and prepare a factual draft for the official route identified in your records. You verify and send everything yourself. The bank, authority, or court decides what happens next; Unhold cannot promise a release.

Start my case I already started — open my case Lost browser? Open with recovery code →हिंदी में पढ़ें — आपके अधिकार और अगला कदम →

Just curious? See a worked exampleSample facts → suggested next step → full draft letter. No account. Nothing is sent.

How it works

Tell us what happened

A few short questions. No account needed. Save your recovery code when shown.

Add the papers for your case

Clear photos or PDFs of what your checklist asks for. You still re-read every file yourself.

Get a draft letter + proof pack

A factual draft from your answers (not a lawyer letter). You edit blanks, then copy or print.

You send it & follow up

Email from your phone or visit the branch. Keep the acknowledgement. Unhold never contacts the bank.

Who this is for

Student · Bangalore-style UPI chain

An unknown UPI credit may appear near a restriction. First ask the bank for the amount held, ordering authority and reference in writing.

Shop / tea stall · North India

Take a factual letter and only the requested documents. Keep a stamped acknowledgement or other proof that the bank received them.

Salary account · cyber freeze

Start with written restriction details. Then contact the authority the bank identifies and keep every acknowledgement.

These are preparation examples, not legal conclusions or outcome promises.

Good to know: we never send anything to your bank. No one can promise an unfreeze. The official cyber helpline is 1930.

Built by

A small independent product — not a bank, not RBI, not a law firm.

Unhold is built by Thribhuvan so people stuck with a restricted account can organise facts, papers, and a draft letter without paying an “unfreeze agent.” You review and send everything yourself. Official cyber helpline: 1930.

Legal disclaimer →

See the practical next steps and official routes →