A client of Malaysia’s biggest bank recently discovered that her bank balance had mysteriously increased to more than $86 million.

When Hafidzah Abdullah checked her account late last month it showed she was over 404 million ringgit ($86.3 million) in credit. It would have been a huge windfall, especially in a country where the average household takes home around $22,000 per year, but there was a catch: She couldn’t access the money.