Bank account closing application

Use this to ask the bank to close your savings or current account and pay you the balance.

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To The Branch Manager, [Bank Name], [Branch Name] Date: [Date] Subject: Request to close my account number [Account Number] Respected Sir/Madam, I hold a [savings/current] account, number [Account Number], in your branch. I wish to close this account because [Reason, for example I have shifted to another city]. Kindly close the account and pay the balance amount [in cash / by transfer to the account given below]. Account holder: [Other Account Holder Name] Bank and branch: [Other Bank and Branch] Account number: [Other Account Number] IFSC: [IFSC] I am returning the passbook, the unused cheque leaves and the ATM card with this letter. Thanking you, Yours faithfully, [Your Name] Account No.: [Account Number] Mobile: [Mobile Number] Signature: ____________

When to use this letter

Use this when you no longer need an account: too many accounts to keep track of, a move, a salary account from an old job. Closing an unused account is tidier than leaving it idle, but close it only after everything linked to it has been moved elsewhere.

Before you send it

Before closing, move every auto-debit (EMI, SIP, insurance, bills) and every credit (salary, pension, subsidy, tax refund) to another account.
Banks have their own account closure form. Ask for it; this letter works where they accept a plain request.
For a joint account, all holders normally have to sign.
Ask whether there is a closure charge. Banks often charge when an account is closed soon after opening; the rule is in the bank's schedule of charges.
Download or collect a statement of the account before it is closed. You may need it for tax later.

What to attach

Passbook, unused cheque leaves and ATM card
Identity proof

How to send or submit it

Visit the home branch with the passbook, unused cheque leaves, debit card and identity proof. Fill in the bank's closure form where there is one. Say how you want the balance paid, by transfer to another account or by cash or cheque as the bank allows, and collect a closure acknowledgement.

Mistakes that get it sent back

One or more joint holders have not signed.
The account has a negative balance, unpaid charges, or a loan, card or locker linked to it.
Unused cheque leaves and the debit card were not returned.
Automatic payments are still linked to the account.

Common questions

Can I close a bank account online?

Some banks allow part of the process online, but most still want a signed request at the branch. Check with your bank.

This is a general format, written by us, to save you time. If the bank has its own printed form, use that form. Last checked: 11 November 2026.

More bank application formats

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