Request to close a current account (Italy)
Published byDocMuse
This document is in Italian
The PDF you download is in Italian — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
If you open an account with another bank in Italy, the new bank offers a free switching service that moves transfers and direct debits and closes the old account if you ask. This letter, in Italian under Italian law, is for closing the account only: it gives notice of withdrawal without penalty or charges (article 120-bis of the Italian Consolidated Banking Act), asks for linked cards and services to be closed, the balance transferred and a closing statement sent. Send it by registered post, by PEC or hand it in at the branch.
- Made for use in Italy
- Last updated October 14, 2026
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When to use this document
- You want to close your current account at a bank in Italy because it costs too much or you no longer use it.
- The bank tells you that closing the account needs a written request.
- You are leaving Italy and want to close the account and have the balance sent to another account.
- You need a letter ending your current account and asking for the cards and services to be closed.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's codice fiscale (Italian tax code)
- How the letter is sent (printed above the recipient)
- Bank
- Address of the bank that holds the account
- City
- Date
- IBAN of the current account
- Account to transfer the balance to
- Additional terms
Common questions
- Can a bank in Italy charge for closing a current account?
- No: the customer may withdraw at any time from an open-ended contract without penalty or charges (article 120-bis of the Italian Consolidated Banking Act). Charges accrued up to closure remain due, such as the fee for the period and the cost of operations already made. The closing time is the one stated in the contract and the information sheet; an uncashed cheque or a card still to be returned can delay closure.
- Is the account switching service better than this letter in Italy?
- Yes, if you open an account with another bank in Italy: ask the new bank for the switching of payment services, free at both banks, which moves recurring transfers and direct debits within twelve working days and closes the old account on the date you give, if you ask (legislative decree no. 37/2017). The form is the new bank's. The letter is for closing an account without opening another one, or when moving to a bank abroad.
- Can a joint account in Italy be closed with one holder's signature?
- The contract decides: even an account operated on any single signature, which lets each holder carry out ordinary operations, can require every holder's signature for withdrawal and closure. Read the withdrawal clause; if it requires all holders, or is unclear, have the letter signed by each holder, adding name, codice fiscale and signature beside the sender's.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
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