Request to close a bank account (Spain)
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For the holder of an account with a bank in Spain who wants to close it and not be kept waiting. The letter asks for the account to be closed and the contract ended, the balance transferred to another account, the cards cancelled, new direct debits refused and written confirmation with the final statement. It points out that the holder may close at any time, that the bank must do so within 24 hours, and that it is free if the account is open-ended or over six months old (article 32 of Spain's Royal Decree-Law 19/2018). Hand it in at the branch against a stamped copy, or send it by burofax. In Spanish.
- Made for use in Spain
- Last updated October 20, 2026
Published byDocMuse
When to use this document
- You want to close your account with a bank in Spain and the branch keeps telling you to come back another day.
- The bank will not let you close the account because you have insurance or a card with it.
- You have moved to another bank and the old account in Spain keeps charging fees.
- You want a letter closing a bank account in Spain and transferring the remaining balance.
What you fill in
The details the document asks for.
- Sender
- Sender's address
- Sender's DNI or NIE (Spanish identity number)
- How the letter is sent (printed above the recipient)
- Bank
- Postal address of the bank or its branch, as the bank publishes it
- City
- Date
- IBAN
- Account the balance is to be transferred to (IBAN)
- Additional terms
Common questions
- Can a bank in Spain refuse to close an account?
- It cannot keep it open against the holder's will: the contract may be ended at any time without notice, and the bank must carry out the instruction within 24 hours (article 32 of Royal Decree-Law 19/2018). Any overdrawn balance has to be paid. If the account is used to pay a loan or an insurance policy, closing it does not cancel those contracts: ask in writing how they will be paid afterwards, so as not to breach them.
- How much does it cost to close a bank account in Spain?
- Nothing, if the contract is open-ended or has been in force for more than six months, according to the Banco de España. Before that, the bank may charge fees that are appropriate and in line with its costs. In every case the proportional part of periodic fees already accrued, such as the maintenance fee, is paid, and the bank must tell you about them when you ask to close.
- How is the closure request delivered in Spain, and what if the bank does not respond?
- At the branch, asking staff to sign and stamp your copy (the « Recibí » slip at the foot is for that), by burofax with certified content, or through online banking if the bank allows it, keeping the receipt. If days pass and the account is still open or fees are charged, complain in writing to the bank's customer service and then to the Banco de España. To switch banks, the new bank can handle the account transfer (Royal Decree-Law 19/2017).
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
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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