Your account is blocked, and nobody told you why
If a payment you received was later traced to a cyber-fraud complaint, your bank can hold the money or stop your account before anyone speaks to you. There is an official route out of it, with deadlines that apply to the bank and the police, not to you. Wapsi shows you which route is yours, and counts the days.
Free. No sign-up. Nothing you type leaves your phone.
An independent self-help portal. Not a law firm, not a government body.
Three different things are called “freezing”
Which one happened to you decides what you ask for, and who decides it.
An amount is on hold
The rest of your balance still works. The bank has marked a lien to the extent of the amount reported in the complaint.
Digital banking is suspended
UPI, net banking, IMPS, ATM and cards stop. Counter transactions at the branch still work. This needs a police direction.
The account is seized
Nothing works. A seizure requires an FIR or e-FIR behind it, and carries one extra level of appeal.
What Wapsi actually does
Works out your route
Eight questions, no personal details, and you see which paragraph of the official procedure applies to you and what to ask for.
Prepares your letters
Ready to print, in Hindi or English, quoting the right paragraph and the right deadline. Your account number is never printed — you write it by hand.
Counts the days for you
Day 7 for the bank to upload. Day 15 for the officer. Day 90 for the hold. Miss those and the delay becomes yours.
Be realistic about this
Wapsi cannot get your account released. Banks, investigating officers and courts decide that, and none of them is obliged to agree with you. What this site does is make sure your case is put properly, to the right person, in time, with the right document attached — which is the part people usually get wrong.
Between April 2021 and November 2025 the system held Rs 7,647 crore and returned Rs 167 crore of it. Money moves into that system quickly and out of it slowly. A well-prepared file will not change that, but a badly prepared one guarantees months of delay.
Guides
The procedure, explained in plain words.
What actually happens when your account is frozen
The chain from someone else's complaint to the block on your account, and why you were never told.
Hold, suspension or seizure — which one is yours
Three different restrictions with three different laws behind them. Knowing yours changes what you ask for.
The official grievance route, step by step
Where to go, who decides, and every deadline the SOP puts on them.
The 90-day rule, stated exactly
It is real, it is conditional, and it is not automatic. Here is what it actually says.