No normal bank can hold your founds for 180 days for "review". If any bank in any EU country tried to do that, they could get sued to hell.
Yet paypal can get away with it, but how? I don't know.
The 180 day hold is standard practice. Virtually all US merchant account agreements have clauses specifying when a reserve account, holding part or all of the merchant's transactions, will be established (when? at the processor's discretion, really). If the merchant is terminated, funds in that account are held for up to 180 days to cover future chargebacks. PayPal inherited that from the two banks underwriting all their accounts -- Wells Fargo NA and JP Morgan Chase. The policy predates PayPal's founding, and isn't anything unusual.
