UCO Bank Account Blocked Twice Due to “ADC Transactions” After Receiving Money from Abroad

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User_82a1edfd
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May 4, 2026 at 2:46 pm

Hi everyone,

I’m facing a serious issue with my UCO Bank account and need some guidance.

Recently, my brother sent me around ₹3,00,000 from the USA. After receiving the money, my bank suddenly blocked my account, stating “ADC transactions” as the reason.

I visited the UCO Bank branch on 04/05/2026 and submitted my Aadhaar card, PAN card, and a written application requesting to unblock the account. The bank reactivated my account the same day.

However, after that, I transferred ₹19,000 to my second account. Shortly after this transaction, my account got blocked again with the same reason: “ADC transactions.”

I have not done anything suspicious—this was just a family transfer from my brother and a normal transfer to my own account.

Now I’m confused and frustrated:

– Why is my account being repeatedly blocked?

– What exactly are “ADC transactions” in this context?

– What steps should I take to permanently resolve this issue with UCO Bank?

– Should I escalate this to higher authorities or file a complaint?

If anyone has faced a similar issue with UCO Bank or any other bank, please help.

Thanks in advance!

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