Hello Polvos,

As I work in the Compliance Division, I can really only comment on your last point - freezing money.

Unfortunately, we are legally obliged to occasionally hold customer funds pending the outcome of an investigation by the banks we work with. We don't have any control over this, it's simply one of the consequences of carrying out a large number of large bank transfers. Of course, transferring funds person to person carries much lower risk of needing to provide AML documents, as the size of the transfer is usually much smaller, and is usually either a once off or done only occasionally.