How to write a letter to bank manager to close your bank account?

By Spider Computech on
Broken Piggy Bank: Closed savings accountHow to close a savings or current bank account is often one of the biggest worries for us, especially when we are not so familiar with banking and finance. Often, when we are asked to write a business letter, we are puzzled and do not know how to proceed. In most cases, you can get (from your branch or download online) ready forms for account opening, but no such form is usually available when it comes to closing it. The steps to close your current or savings bank account often includes writing a formal letter and hand it over, in person, to the manager of the branch where you are a customer. Do you know how to write to the branch manager to close your current or savings bank account? If not, keep reading!

Understand the process of closing your savings or current bank account

If you want to close your bank account, please understand that the banks will not be ready to lose a customer and they will try to stop you from doing so. This explains why there are ready forms for account opening but no such form for closing savings bank account is usually available with the banks: they do not encourage it. If you tell the bank staff about your wish to discontinue as a customer, they will most often tell you that you can hold your account even with zero balance and there is no need to close the bank account; you can leave it in place. Nevertheless, if you are absolutely sure that your account is inoperative and closing it will be a good idea (moreover, having too many unnecessary bank accounts is a sign of your dismal financial planning), you can always go for the same. All you have to do is to take a piece of paper and write a letter to the bank manager requesting him or her to close your savings bank account. Now, what are you going to put there?


What should you write in your letter for bank account closure

Your application letter to close the savings bank account needs to be addressed to the manager of the respective branch. Write Closure of savings bank account as your subject. Give the account details there, including:
  • Your name, postal address, email address, and contact number, as registered with the bank
  • Your savings bank account number
  • Your CIF number (in case you know it)
You will also have to state the reason for closing your savings or current account. Also mention when and why did you open that account and declare that you will return your pass-book, cheque book, ATM-Debit card, and credit card (whatever applicable) duly to the bank. Ask the manager for cooperating with you in this process. Please note that you may have to furnish your photo identity and address proofs, in order to verify your KYC details.


Sample letter to bank manager asking to close savings bank account

The Manager,
ABC Bank,
XYZ Branch,
(Full postal address of the branch)

Sub: Closure of Savings / Current Bank Account (whichever applicable)


This is to request you to kindly close my account (number ************, CIF NO. *************) with your bank under the name Mr. / Ms. / Mrs. YOUR NAME, resident of YOUR FULL POSTAL ADDRESS, which I have been holding in this branch since ACCOUNT OPENING DATE. The account was inoperative for a long period of time and I regret my inabilities to continue with the same. I am also returning my pass-book, cheque book, ATM-Debit card, and credit card (whatever applicable) duly to the bank.

I request you to please issue me a demand draft for my existing balance and solicit your kind cooperation to go through the process. My contact number is ***** *****, and my email address is ADDRESS@EMAIL.COM in case you require the same.

Thanking you,
Yours Sincerely,

Date: **/**/****

Points to remember while closing your bank account

  • This is only a sample letter. Please consult your bank employees to ask about specific details. In some cases you may also require to submit additional forms if any. Please attach the necessary documents as per the bank's policy.
  • This is to close savings and current bank accounts only. If you want to close your fixed or recurring deposits, consult the bank employees. In most cases, deposits made from online banking can be closed online itself.
  • Usually you need to go through this process even for savings and current accounts opened online. For further information please consult your bank directly.
  • Please go through our disclaimer page before making any decision.


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