How do I write an application to close my bank account?

Write a short and clear letter to your branch manager. Mention your name, account number, reason for closing the account, and request confirmation once it’s done.

Do I need to visit the bank in person to close my account?

Yes, in most cases you’ll have to visit the bank branch with your ID proof and passbook to complete the process safely.

Can I close my bank account online?

Yes, some banks allow online closure by their website or mobile app. You can check by your bank’s customer service before applying.

What documents are required to close a bank account?

Is there any fee for closing a bank account?

Most banks don’t charge for account closure, but a few may take a small fee if the account was opened recently or has a minimum balance issue.

Application to Close a Bank Account

Published: 2 Jan 2026

Closing a bank account may look like an easy task, but it should never be taken lightly. A bank account is directly linked to your money, records, and personal details, so closing it the right way is very important. People usually decide to close an account when they,

Relocate
Choose a better banking option or
Stop using the account altogether.

If this step is ignored or delayed, it can result in hidden charges or unnecessary complications later. A proper written application clearly informs the bank about your decision and helps complete the process without confusion.

This guide explains why writing an application to close a bank account is important, how to write it correctly, and some proven tips, along with common mistakes to avoid, so your request is approved on the first attempt.

Table of Content

Application for bank account closing
How to write a closing bank account application
Final thoughts

Application for bank account closing

So, guys, let’s explore the top 6 professionally written letters for closing a bank account. Each letter is carefully drafted to maintain clarity, formality, and compliance with banking standards.

So let’s step out to them.

Application to Bank Manager for Closing Bank Account

The Bank Manager

[Bank Name]

[Branch Location]

Subject: Request to Close My Existing Bank Account

Dear Sir/Madam,

I am submitting this application to request the closure of my bank account held at your branch. The account number linked to my name is [XXXXXX]. I have decided to stop using this account due to a change in my personal financial planning.

There are no pending transactions connected to this account. All services linked to it have already been settled. I request that the bank begin the closure process in line with its internal rules.

Any remaining funds in the account may be handled through the method approved by the bank. I am ready to complete verification, submit documents, or return banking materials if required.

Thank you

Sincerely,

[Your Name]

Account Number: [XXXXXX]

Registered Mobile Number: __________

Date: __________

Signature_______

Normal Saving Account Closing Letter

To,

The Branch Head

[Bank Name]

[Branch Address]

Subject: Request for Deactivation and Closure of My Savings Account

Respected Sir/Madam,

This letter is submitted to formally notify the bank of my decision to close my normal savings account maintained at your branch. The account registered under my name bears the number [XXXXXX] and is no longer required due to changes in my financial arrangements.

I confirm that all activity related to this account has already been completed. There are no pending instructions, service requests, or dues attached to it. Kindly arrange the closure process in accordance with your internal banking procedures.

Any remaining balance may be transferred or settled through the standard method followed by the bank. I am available to complete identity verification, documentation, or other formal steps needed to complete the process.

I appreciate the assistance provided by your team and look forward to a smooth conclusion of this request.

Yours sincerely,

[Your Full Name]

Savings Account Number: [XXXXXX]

Registered Mobile Number: __________

Date: __________

Application for Closing Current Account

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request for Closure of Current Account

Dear Sir/Madam,

I am writing to request the closure of my current account held with your branch. The account number is [XXXXXX]. Due to changes in my business operations, I no longer require this account.

All transactions have been settled, and there are no pending payments or obligations linked to them. I kindly request that the bank process the closure at its earliest convenience. Any remaining balance may be transferred to my designated account or handled as per the bank’s standard procedure.

I am ready to provide any required documents, return cheque books, or complete any formalities necessary to finalize the account closure smoothly. I appreciate your support and assistance in completing this process.

Thank you for your attention to this matter.

Yours sincerely,

[Your Name]

Current Account Number: [XXXXXX]

Date: __________

Signature: __________

Bank Account Closing Letter After Death

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Closure of Bank Account Due to Account Holder’s Death

Dear Sir/Madam,

I am writing to request the closure of the bank account held by [Full Name of the Owner], who passed away on [Date]. The account number is [XXXXXX].

As the legal heir/authorized representative, I am submitting this request along with the death certificate and relevant proof of relationship. Kindly process the closure of the account and release any remaining funds as per the bank’s procedures for accounts of deceased customers.

Please let me know if any additional documents or verification steps are required. I appreciate your assistance in completing this matter smoothly during this difficult time.

Thank you for your attention and support.

Sincerely,

[Your Name]

Relation to Deceased: __________

Contact Number: __________

Date: __________

Signature: __________

Application to Close a Joint Account

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request for Closure of Joint Bank Account

Dear Sir/Madam,

We are writing to request the closure of our joint bank account held at your branch. The account number is [XXXXXX], and it is registered under the names [Name 1] and [Name 2].

Due to changes in our personal and financial arrangements, we no longer require this account. All transactions have been settled, and there are no pending instructions or obligations linked to them.

We kindly request that the bank initiate the account closure process and transfer any remaining balance as per the standard procedures. We are ready to submit all necessary identification, return cheque books, and complete any formalities required for a smooth closure.

Thank you for your cooperation and assistance in this matter.

Yours sincerely,

[Name 1]

[Name 2]

Joint Account Number: [XXXXXX]

Date: __________

Signatures: __________, __________

Application to Close Joint Account Due to Death

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request to Close Joint Bank Account Due to Death

Dear Sir/Madam,

I am writing regarding the joint account held at your branch under account number [XXXXXX], registered in the names of [Deceased Name] and [Your Name]. Unfortunately, [Deceased Name] passed away on [Date], and I am submitting this request to close the joint account.

I am the surviving account holder and have attached the death certificate along with proof of my identity and relationship to the deceased. I kindly request that the bank close the account and release any remaining balance according to standard procedures for joint accounts affected by the death of an account holder.

Please inform me if any additional documents or formalities are required to complete the process. I appreciate your assistance and understanding during this difficult time.

Thank you for your support.

Yours sincerely,

[Your Name]

Relation to Deceased: __________

Contact Number: __________

Date: __________

Signature: __________

Application to Close a Bank Account & Transfer Money to Another Account

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request to Close Bank Account and Transfer Remaining Funds to Another one

Dear Sir/Madam,

I am writing to request the closure of my bank account with account number [XXXXXX] at your branch. I would like the remaining balance in this account to be transferred to my other account, number [YYYYYY], which is also maintained with your bank.

Please process the account closure and move the funds to the mentioned account. I am ready to provide any documents or complete any formalities required to make this process smooth and fast.

Thank you for your assistance. I appreciate your support in handling this request quickly.

Sincerely,

[Your Name]

Account to Close: [XXXXXX]

Account for Transfer: [YYYYYY]

Date: __________

Signature: __________

Bank Account Closing Application With a Negative Balance

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Closure of Bank Account with Negative Balance

Dear Sir/Madam,

I am writing to request the closure of my account, number [XXXXXX], which currently shows a negative balance of [Amount]. I want to settle this amount and close the account as soon as possible.

Please guide me on how to repay the outstanding balance. I am ready to make the payment immediately through the method the bank accepts. Once the balance is cleared, I kindly request that you complete the account closure process.

Thank you for your support and guidance. I appreciate your help in resolving this matter quickly.

Sincerely,

[Your Name]

Account Number: [XXXXXX]

Date: __________

Signature: __________

Bank Account Close Letter for Multiple Accounts in the Same Bank

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request to Close Bank Account due to Multiple Accounts in the Same Bank

Dear Sir/Madam,

I hold multiple accounts with your branch, and I would like to close one/Two of them. The account/(s) I wish to close is/are [Account Number to Close]. My other accounts with the bank, including [List other active account numbers, if needed], will remain active.

Please process the closure of this account and transfer any remaining balance to my primary account, [Primary Account Number], or as per the bank’s standard procedure. I am ready to submit any documents, return cheque books, or complete any formalities required for this process.

I appreciate your help in completing this request promptly. Thank you for your support.

Sincerely,

[Your Name]

Primary Account Number (for fund transfer): [Primary Account Number]

Date: __________

Signature: __________

Salary Account Close Application

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request to Close Salary Account

Dear Sir/Madam,

I am writing to request the closure of my salary account held at your branch. The account number is [XXXXXX]. I have recently changed my employer and no longer require this account for salary deposits.

Please process the closure of my account and transfer any remaining balance to my savings account, number [YYYYYY], or handle it according to the bank’s standard procedure. I am ready to submit any required documents, return the debit card, or complete any formalities needed to complete this process smoothly.

Thank you for your guidance and support. I appreciate your help in completing this request promptly.

Sincerely,

[Your Name]

Salary Account Number: [XXXXXX]

Savings Account Number (for fund transfer): [YYYYYY]

Date: __________

Signature: __________

SBI Account Close Application

To,

The Branch Manager

State Bank of India

[Branch Name & Address]

Subject: Request to Close SBI Account

Dear Sir/Madam,

I am writing to request the closure of my SBI account held at your branch. The account number is [XXXXXX]. I no longer require this account due to changes in my banking arrangements.

Please process the closure of my account and transfer any remaining balance to my savings/current account, number [YYYYYY], or as per the bank’s standard procedure. I am ready to provide any documents, return the cheque book, and submit the debit card if required to complete the process.

I would appreciate your support in completing this request promptly. Thank you for your assistance.

Sincerely,

[Your Name]

Account Number: [XXXXXX]

Transfer Account Number: [YYYYYY]

Date: __________

Signature: __________

Company Bank Account Closing Letter

To,

The Branch Manager

[Bank Name]

[Branch Address]

Subject: Request to Close Company Bank Account

Dear Sir/Madam,

I am writing on behalf of [Company Name] to request the closure of our company bank account held at your branch. The account number is [XXXXXX]. We have decided to close this account due to changes in our banking requirements.

Kindly process the account closure and transfer any remaining balance to our primary account, number [YYYYYY], or handle it according to the bank’s standard procedures. We are ready to submit any required documents, return cheque books, and complete any formalities needed for a smooth closure.

We appreciate your support and prompt assistance in completing this request.

Thank you.

Sincerely,

[Authorized Signatory Name]

Designation: __________

Company Name: [Company Name]

Company Account Number: [XXXXXX]

Transfer Account Number (if applicable): [YYYYYY]

Date: __________

Signature: __________

How to write a closing bank account application

Closing a bank account is a formal procedure that requires precision and clarity. Whether you want to close a savings account, current account, or business account, submitting a well-structured application ensures smooth processing. A carefully written request provides all necessary details to the bank, allowing them to settle pending charges, transfer the remaining balance, and officially close the account. A clear, polite, and professional letter saves time, avoids misunderstandings, and leaves a good impression. Below is a step-by-step explanation to write an effective bank account closure application.

Subject Line

The subject line is the first thing the bank sees, so it must be clear and concise. It tells the bank immediately what the application is about and highlights the purpose. A strong subject line demonstrates professionalism and ensures the application is prioritized correctly.

Examples:

“Request for Bank Account Closure”
“Application for Closure of Savings Account”
“Request to Close Current Account”

A clear subject line makes your request stand out and avoids any initial confusion.

Salutation or Polite Greeting

Next, add a professional greeting. A respectful salutation sets a polite tone and makes your application appear formal. Always address it to the responsible authority, usually the branch manager or account officer.

Examples:

“Respected Sir/Madam,”
“Dear Branch Manager,”

Avoid casual greetings like “Hey” or “Hi” because they make the application appear informal and unprofessional. Proper etiquette ensures your application is taken seriously.

Opening Line and Reason for Closure

Your opening lines should clearly state your request and briefly explain the reason for closing the account. This part should be concise, polite, and professional.

Examples:

“I request the closure of my savings account as it is no longer needed.”
“Due to relocation, I would like to close my current account maintained at your branch.”
“I have multiple accounts and wish to close this inactive account to simplify my banking.”

Providing a short, honest reason helps the bank understand your situation and process the request efficiently.

Account Details

Including accurate account information is essential. Mention your account number, account type, and full name so the bank can identify your account quickly.

Examples:

“The account number is 1234567890, and it is a savings account in my name.”
“I hold a current account number 2345678901, which I request to close.”

Double-check all details to prevent errors and delays in processing.

Attach Required Documents

Attach all necessary documents to make the closure process smooth. This may include identity proof, a passbook, unused cheque leaves, or signature verification. Clearly mention these documents in your application.

Examples:

“I have attached my national ID card and unused cheque leaves for verification.”

“Enclosed are my passbook and identity proof for processing the closure request.”

Complete and valid documents reduce the chances of delays or repeated visits to the bank.

Polite Request for Action

Ask the bank to settle any pending charges and transfer the remaining balance. Use polite language to make your request professional and clear.

Examples:

“Kindly deduct any applicable charges and transfer the remaining balance to my linked account.”
“Please process my request and issue a check for the remaining balance as per bank rules.”

Politeness and clarity here prevent miscommunication and ensure your instructions are followed accurately.

Closing and Signature

End your application with a professional closing. Include your full name, account number, and contact details so the bank can reach you if necessary.

Examples:

Yours sincerely,
Jamsher Ali Kaloi
Account No: 1234567890
Contact: 0300-XXXXXX

A clear and professional closing ensures the application is complete and ready for processing.

Final thoughts

Closing a bank account is a simple yet important financial process that requires careful attention. Whether it is due to personal reasons, inactivity, relocation, business closure, or the death of the account holder, a proper written request ensures smooth processing. Providing complete details, such as the account number, identity proof, and any unused cheque books, helps the bank settle dues and return remaining funds accurately. Clear, polite communication with the bank avoids misunderstandings and delays. Following the bank’s procedures ensures a formal record of closure and leaves a positive experience. Proper documentation, patience, and respect make the process efficient, safe, and hassle-free.