UK-based cryptocurrency users are increasingly struggling to access their digital assets due to a confluence of factors: banking restrictions and evolving regulatory frameworks. A survey conducted by IG Group reveals that 40% of UK crypto investors have encountered issues with their banks blocking or delaying payments to cryptocurrency providers, leading many to seek alternative lenders or face significant delays in accessing funds. This is attributed to heightened bank scrutiny for fraud prevention, particularly as the Financial Conduct Authority (FCA) has implemented policies limiting the use of borrowed funds for crypto purchases. These restrictions are further compounding the challenges faced by UK crypto users already contending with a more cautious regulatory environment.