How to Write an Application for Closing Bank Account: Steps & Examples
Table of Content
An application for closing bank account is a formal letter submitted to a bank’s branch manager or relevant authority when you wish to close your account. Knowing how to write an application for closing bank account is essential for school assignments, competitive exams, and real-life situations such as relocating or changing banks. Vedantu offers sample formats, tips, and detailed guidance for your needs.
What is an Application for Closing Bank Account?
An application for closing bank account is a formal request to your bank, asking them to terminate and settle your account. This letter should clearly mention your account details, the reason for closure, and any instructions for remaining funds. For exams and practical life, this letter demonstrates your official communication skills in English.
Writing this application properly helps you avoid delays and ensures your request is processed smoothly. It is frequently asked in CBSE, board, and competitive English papers, making it a valuable skill for students.
Format and Key Elements of Application for Closing Bank Account
| Key Element | Description | Example |
|---|---|---|
| Date | Date you write the letter | 13 August 2024 |
| Salutation | Addressed to the branch manager | Dear Bank Manager |
| Subject | Main purpose of the letter | Request for Closure of Bank Account |
| Account Details | Clearly state account number/type | Account No: 123456789, Savings |
| Reason | State briefly why you wish to close | Due to relocation/job transfer |
| Instructions | Request for transfer of remaining balance or return of documents | Transfer balance to account No: 987654321 |
| Closing Statement | Thank or request written confirmation | Thank you for your assistance |
| Signature | Your signature and full name | [Signature] Priya Sharma |
Including all elements ensures your application for closing bank account is complete and can be processed without delay. For exam answers, following the proper format fetches full marks.
Sample Application for Closing Bank Account Letter
Below are ready-to-use templates based on common scenarios. Students can adapt these for exams or real submissions.
1. General Account Closure (Savings Account)
Priya Sharma
789 Maple Lane
Mumbai, MH 400001
priyasharma@example.com
982-345-6789
13 August 2024
XYZ Bank
123 Main Street
Mumbai, MH 400002
Subject: Request for Closure of Savings Bank Account
Dear Bank Manager,
I am writing to request the closure of my savings bank account, number 456789123. Due to my relocation, I will not be able to continue maintaining this account.
Please transfer my remaining balance to ABC Bank, Account Number 321654987. Kindly confirm the account closure in writing.
Thank you for your assistance.
Sincerely,
Priya Sharma
2. Application for Closing Joint Account
To
The Branch Manager
ABC Bank, Delhi
Subject: Application for Closure of Joint Account
Dear Sir/Madam,
We, the joint account holders of account no. 789456123, request closure of our joint savings account due to personal reasons. Kindly clear outstanding transactions, transfer the balance to our current account (No. 654321789), and provide written confirmation.
Thank you.
Yours sincerely,
Amit Mehra & Shweta Mehra
3. Closing Account due to Death of Account Holder
To
The Branch Manager
PNB Bank, Kolkata
Subject: Application for Closing Bank Account due to Death of Account Holder
Dear Sir,
I am writing as the nominee of the account no. 998877665, which belonged to the late Mr. Suresh Gupta. Kindly close the account and transfer the remaining balance to my account (No. 112233445). Necessary documents are attached.
Thank you.
Yours faithfully,
Rina Gupta
How to Write an Application for Closing Bank Account: Step-by-Step Guide
Write your name, address, and contact details at the top for clear identification.
Include the date of writing the application.
Address the letter to the Branch Manager of your bank branch.
Mention a clear subject: “Request for Closure of Bank Account”.
State your account number and type in the first line of the body.
Explain your reason for closure in a sentence or two (relocation, service dissatisfaction, etc.).
Request transfer instructions for any remaining balance.
Mention attached documents, if any (ID, passbook, cheque book).
Thank the bank and request confirmation in writing.
Sign the application and write your full name at the end.
Documents Required and Useful Tips for Smooth Account Closure
| Document | Why Needed | Tip |
|---|---|---|
| ID Proof | To verify your identity | Attach a copy (Aadhaar, PAN, etc.) |
| Passbook | Return for account settlement | Write number in the letter if surrendered |
| Unused Cheque Leaves | For security and closure process | List series on the application if given back |
| Debit Card | Bank may require submission | Mention in closure letter if returned |
Check your bank’s website or ask the branch for specific document requirements. Mention surrendered items in the application. Always keep a copy of your letter and submitted documents for future reference.
Bank-Specific Application Formats
Large banks like SBI, ICICI, and PNB often have dedicated account closure forms. For most academic and practical purposes, a well-structured application for closing bank account as shown above is accepted. If needed, visit your bank’s website or ask the branch for their format and attach your letter where required.
Vedantu recommends always using formal language and verifying the process with your specific bank. This will help students avoid errors in exams and real transactions.
Common Mistakes to Avoid in Application for Closing Bank Account
Missing or incorrect account number – Always double-check your account details.
Omitting reason for closure – Even a brief explanation is required by most banks.
Informal language or improper format – Use a formal salutation and closing.
Not requesting confirmation – Always ask for written proof of closure.
Forgetting to attach or mention required documents – State ID, passbook, and cheque book details clearly.
How Application for Closing Bank Account Helps Students
Mastering this formal letter format improves exam writing, spoken English, and practical communication for real banking situations. Questions on bank applications are common in CBSE, board, and competitive English papers.
You can find more examples and details on writing a Letter to Bank Manager for Closing Account and improve your grammar via Formal Letter and Letter Writing guides on Vedantu.
Interlinked Resources for Bank Applications and Formal Writing
Application to Bank Manager for Changing Mobile Number: Learn to request changes formally.
Application for Bank Statement: See templates for related banking needs.
Application for Character Certificate: Expand your formal application skills.
Letter to Principal for TC: Practice more official English formats often needed in exams.
Application for Full Fee Concession in School: Sample for school-based application skills.
Mastering the application for closing bank account format sharpens your formal letter-writing abilities for exams and real life. This skill ensures clear, professional communication and prevents costly errors in banking and academic contexts.
FAQs on Application for Closing Bank Account: Format, Samples, Step-by-Step Guide
1. How to write an application letter for closing a bank account?
To write an application for closing a bank account, start with a polite salutation and state your request clearly. Mention your account number and reason for closure. Add your address, enclose ID proof, and sign the letter. Always use formal, respectful language.
2. How to apply for a closing bank account?
You can apply to close a bank account by submitting a written request to your bank. Include your name, account number, reason for closure, ID proof, and signatures. Visit the branch or use the bank’s online process if available.
3. How do I officially close a bank account?
To officially close a bank account, contact your bank, fill out a closure form or application, provide your account details, submit valid ID proof, and clear any pending transactions. The bank will then process your request and close the account.
4. How do I permanently close my bank account online?
To close your bank account online, log in to your bank’s net banking portal, find the account closure option, fill out the request form, upload necessary documents, and submit. Some banks may require a branch visit for final verification.
5. What details must be included in an application for closing a bank account?
Include your name, account number, reason for closure, address, signature, and ID proof in your application. Also, mention where remaining funds should be transferred and request a closure certificate if needed.
6. What documents are needed to close a bank account?
Documents generally required are:
- Account closure application
- Identity proof (Aadhaar, PAN, etc.)
- Passbook, cheque book, debit/ATM card
- Cancelled cheque (for fund transfer)
7. Can I close a bank account immediately?
You can usually close a bank account within a day by submitting all required documents and clearing pending transactions. Actual processing time depends on bank policy and may vary across branches.
8. Is it necessary to visit the branch for closing a bank account?
Many banks still require a visit to the home branch to close your account, especially for identity verification and document submission. Some banks now offer online closure; check your bank’s policy.
9. What should I do with my balance when closing a bank account?
In your application, request the bank to transfer your remaining account balance via cheque, demand draft, or to another account. Ensure no outstanding dues or debits remain before closure.
10. Can a joint bank account be closed by one account holder?
A joint account usually requires signatures from all holders for closure. Submit a joint application signed by everyone and provide all required documents to the bank branch for processing.
11. Will closing a bank account affect my credit score?
Generally, closing a savings account does not affect your credit score. However, closing a loan, credit card, or overdraft account could impact your credit score depending on your repayment record.
