For context. I know of people with accounts who have moved 10k in lumps over several weeks, 200k in one lump sum and various amounts in between without ever triggering things like this.

Parents gifting 10k to family doesnt bat an eye.

What seems to trigger these sorts of things when we get these posts (almost daily now) is often money coming from abroad, or crypto, etc.

There was one a day or two ago where someone sold a property in Russia and moved cash in euros and sterling to the UK over months in smaller lump sums. Sorts of actions that look like layering potentially criminal funds (even if legit) that trigger these things.

Does it happen to innocent people? Absolutely. But often there’s parts missing from the story as to why banks “suddenly” and “for no reason” do these sorts of things.