banks in Europe are subject to the guidelines from the national banks, even if there is regulation trying to regulate crypto.

But the truth is most don't like to see transfers coming in without any reason.
Receiving money from people with names not common in the country where your bank is can raise alarms (it happened to me).

And it even does not matter how big they are, revolut was one of those that closed my account and had accounts with other neobanks from different countries, all ended up closing my account as soon as I told them I sold crypto.

bla bla bla, financing terrorism, AML, bla bla bla
they are all the same