What Is an AML Transfer Block
AML (Anti-Money Laundering) is a set of legal requirements that all banks and financial institutions must follow. When an automated system or a compliance officer detects signs of suspicious activity, a transfer is paused pending further review.
This is not an accusation of a crime — it is a standard verification procedure. Most blocks are lifted once supporting documents are provided.
Causes of AML Blocks
Unusual transaction pattern. A large amount that has not appeared before, a transfer to a country you have not previously transacted with, or a sudden increase in volume — all of these are triggers.
Counterparty from a high-risk jurisdiction. Transfers to countries on FATF grey or black lists receive enhanced scrutiny.
Connection to cryptocurrency transactions. Funds that have passed through a crypto exchange or swap service are frequently flagged as requiring additional review.
Lack of economic rationale. If the amount or purpose of the transfer does not match the customer's profile, the bank will request an explanation.
Sanctions risk. A match with a name, country, or account details appearing on sanctions lists (OFAC, EU, SDN) triggers an immediate block.
How to Lift an AML Block: Step-by-Step
- Do not panic. The money is not lost — it is sitting at the correspondent bank or in your account with a "under review" status.
- Contact your bank and request official confirmation of the block. Ask which department is handling the matter.
- Prepare documents — depending on the situation, these may include: a contract with the counterparty, an invoice, proof of the source of funds, or a statement of business activity.
- Write an explanatory letter — briefly describe the economic substance of the transaction: who is buying/selling what, on what terms.
- Wait for a response. The standard review period is 3–10 business days; in complex cases, up to 30 days.
- If funds are not released — file a complaint with the regulator (FCA, BaFin, etc.) or consult a lawyer.
Frequently Asked Questions
Can funds be confiscated due to AML?
Confiscation is only possible by court order upon proof of criminal origin. An administrative block is a temporary measure.
How long can an AML block last?
Under the laws of most countries, an initial hold cannot exceed 5 business days. If the bank wants to freeze funds longer, it must notify the financial intelligence unit. In practice, holds range from a few hours to several weeks.
Should I resend the transfer?
No. Duplicating the transaction will worsen the situation and create additional risks. Wait for a resolution on the current block.
Marix helps businesses structure payment flows to minimize the risk of AML blocks.