⚠️ Do not ignore your bank's Source of Funds request. Respond before their deadline — get expert help today →
A Source of Funds request doesn't mean your bank suspects you of wrongdoing. It means they have a legal obligation to understand where your money came from — and they need you to prove it in writing.
A Source of Funds (SOF) request is a formal compliance enquiry from your bank. Under the UK's Anti-Money Laundering regulations, banks are legally required to understand the origin of funds flowing through your account — particularly large or unusual amounts.
Your bank is not accusing you of anything. They are fulfilling a legal obligation. However, how you respond will determine whether your account is cleared, restricted, or closed. An incomplete or poorly structured response almost always results in further questions — and more delay.
📋 Your bank will have set a response deadline. Missing this deadline — or providing an inadequate response — can lead to your account being restricted or closed without further notice.
Common situations that trigger a Source of Funds request include:
Banks don't just want a letter explaining where your money came from. They want evidence — documents that can be verified, cross-referenced and retained on file for regulatory purposes.
Most people who respond to Source of Funds requests without professional guidance make at least one of these errors — and it costs them weeks of additional delays.
Providing documents that only partially explain the funds — banks need the full chain of evidence, not just part of it.
Sending documents without a structured explanation. Compliance teams need context, not just paperwork.
Writing as if you're complaining to customer service. Compliance responses must be professional and factual.
Underestimating how quickly banks act. Many restrict accounts immediately after the deadline passes.
Only addressing one of multiple questions the bank asked. Every point must be answered fully.
Providing informal letters or self-created spreadsheets instead of official, verifiable documentation.
We handle your Source of Funds response from start to finish. As former compliance professionals, we know exactly what your bank's team is looking for — and we structure your response to meet those standards precisely.
Our fees start from £99 for individual cases. All fees are fixed and agreed before any work begins — no surprises.
15 minutes. No cost. No commitment. We review your bank's letter and give you a clear action plan.
Services from £99 · Fixed fees · Strictly confidential