1. A dumb money laundering detection algorithm that does it's thing with 0 human interaction (basically the same reason people get locked out of their Google accounts for no reason). 2. Untrained and insufficient customer support (again similar to Google). 3. In my case: asking for documents to prove residency (they're supposedly legally obligated to do so,, but none of my other banks ask for this). The documents they ask for cannot be produced by someone who shares an appartment in the EU (no bills in my name, no rent receipts in my name, no address on ID cards). Game over. Account and card blocked. 0 flexibility from customer support, 0 help.