so, to be fair to ZUNO, they quickly unlocked my account after my complaint, claiming that the reasons for locking the account have disappeared. Now they just hold the disputed amount in reserve.

I was thinking about some protection against such scams. What about creating a list of suspicious bank accounts, which tried to chargeback (or possibly some other undesirable behaviour)? To maintain some privacy, items in list would be hashed by SHA-512. Not a panacea, but it is at least a bit harder and more time-consuming to create bank account than to create new user at, say, localbitcoins.com.

So this would be the first entry in such list (IBAN hash, result of `echo -n $IBAN | sha512sum`)
4284200a3da13661c3514f45a1f8b1d83f66c871c6d3ae289e8ae2eb768f8ab45cf2079b1e10105 4b86c6263f682b51c8a5b928f3eacdedd880f485ecf3eb3ba