Bank Account Closure Letter
Ask your branch to close a savings or current account, say where the closing balance should go, and return the cheque book and debit card, in one clear letter.
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- Updated October 2026
Closing an account without loose ends
People close bank accounts for ordinary reasons: a move to another city, a salary account from an old job, too many accounts to track, or minimum balance charges on an account they no longer use. Closing it properly means the balance reaches you, no auto-debits bounce later, and the cheque book and card are returned so they can't be misused.
This page opens the Close my account letter. It covers savings, current, salary and joint accounts, in English or Hindi.
Before you write: a short checklist
| Check | Why |
|---|---|
| Move any auto-debits (EMI, SIP, insurance, bills) to another account | Payments don't fail after closure; the Cancel NACH / auto-debit letter helps |
| Update the account where your salary, pension, subsidy or refunds arrive | Money isn't sent to a closed account |
| Download statements you may need later | For tax returns, loans or visas |
| Collect unused cheque leaves and the debit card | You return them with the letter |
| For joint accounts, get all holders to sign | Banks usually need everyone's consent |
Choosing how to get the balance
- Transfer to another account: enter that account number and its IFSC (11 characters: four letters, a zero, then six letters or digits). The tool checks the IFSC format before you download.
- Cash or cheque at the branch: you collect the balance in person.
- Demand draft: the bank makes a DD in your name for the closing balance; there may be a DD charge.
What the letter says
"I hold a savings account in your branch, account number … I request you to close this account, as I am moving to another city. Kindly transfer the closing balance to my account number … (IFSC …) with … I am returning the unused cheque leaves and my ATM / debit card with this letter, and I will complete any form the branch needs for the closure."
That last line matters: many banks have their own account closure form. The letter works as your covering request and shows you are ready to fill the bank's form too.
Business and Hindi versions
For a current account in a firm's name, add the firm under Your account. The letter then reads "in the name of …", and the signature block adds "For … / Authorised Signatory". Turn on the letterhead to print it on your firm's letterhead with its logo and a stamp image. Choose हिन्दी for the Hindi letter: "कृपया मेरा यह खाता बंद कर दें …".
After you submit it
Ask for an acknowledgement, and later confirm that the account shows as closed and the balance has reached you. Keep the final statement. If you are only moving cities and want to keep the account, use the Transfer to another branch letter instead; ask your bank whether the account number stays the same.
Closure charges and timelines differ by bank. Not affiliated with any bank. Your details never leave your browser.
Other bank letters
Need more options? Open the full Bank Application Letter Formats.
Frequently asked questions
What do I need to close a bank account?
Usually a signed closure request (this letter and/or the bank's own closure form), your ID, the passbook, and the unused cheque leaves and debit card to return. For a joint account, all holders normally sign. Check with your branch.
How do I get the balance when closing my account?
Choose in the letter: transfer to your other account (with its number and IFSC), cash or cheque at the branch, or a demand draft. A transfer is the easiest to track.
Do I have to give a reason for closing the account?
No, it is optional. Common reasons are moving to another city, having too many accounts, or opening one at another bank. A short reason helps the branch but is not required.
Are there charges for closing a bank account?
Some banks charge for closing an account within a short time of opening it, and others don't. Charges vary by bank, so ask your branch before you submit the letter.