A jedermann Konto or Basiskonto refers only to a personal account. If a client uses this account for commercial activities (eg receiving payments in the said industry), the bank has every right to close the account.
My bank has recently started to ask customers to clarify transfers, and even shoot and send some video of themselves, smiling, and explaining things. I haven't got that myself yet but several colleagues have. I'm thinking I should change banks, but am unsure if any other bank is any better, because this is the result of government regulation.
The EU laws to fight money laundering are in conflict with national laws for privacy. And because laws for money laundering impact tax revenue, they will triumph over privacy.
As usual some countries implemented it reasonably while others didn’t.
Series of transfers are a basic step in money laundering processes, so from that point of view the need for clarification of each step is understandable.
These things are usually treated as box ticking exercises, not as fervent investigative due diligence.
I would guess money laundering happens elsewhere.
For as little as $1m you can set up or buy a bank of your own. For $10m or more you can buy a regulated operating bank with employees and deposits.
The process is more complicated than plain old incorporation, but I would guess it won't be unduly troubling to people with a lot of spare cash at hand.
they will also close your account if you can't prove where the money is from.
i had this issue myself in europe. a friend paid me back a hefty sum. my friend had issues proving where he got the money from. my account was swiftly closed.