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Personal Bank account for Company dividends

If wise decides to freeze for example 5m every week and release whenever they want (never respecting the terms they mention) is it like a free loan?
They don't care about this and don't freeze funds to have a loan. The total amount available on all accounts is a magnitude of what gets temporary frozen. All that money is available in that sense. Also there are different regulations of what savings can be used for by a bank.
 
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Same with credit Suisse in Switzerland. I have both personal and business account with them and they don't ask these kind of questions.

Also DBS Singapore, only 500k deposited with them, and I transfer money from Vanuatu, Seychelles, Hongkong, Labuan and Dubai regularly without a single question.

CIM is just this bizarre, but they have their use cases.
Could you please give a bit details regarding DBS as I'm planning to open an account with them soon? Is it a personal account, DBS Treasures? Are you paying any AUM fees? You just get some transfers with "dividends" transfer purpose and they are basically fine with it? Cheers.