how to cancel current account

To cancel or close a current account, follow these general steps:

1. Review Your Account
   • Check your recent transactions to ensure all payments and deposits have cleared.
   • Make sure your account is not overdrawn and there are no outstanding charges or fees.
   • Transfer any remaining funds to another account or withdraw them

2. Update Payments
   • Inform any organizations or service providers about your account closure and provide alternative payment details for direct debits or standing orders

3. Contact Your Bank
   • You can usually close your current account by:
     • Logging into your online banking and following the closure instructions (e.g., selecting "Close Account" or messaging support).
     • Visiting a branch in person with your ID, debit card, and chequebook (if applicable).
     • Calling customer service or sending a written request to the bank

4. Submit Required Documentation
   • Provide identification and any forms required by your bank to process the closure

5. Confirm Account Closure
   • Obtain written confirmation (email or letter) from your bank that your account has been closed.
   • Destroy any debit cards or chequebooks linked to the account

6. If Switching Banks
   • Consider using a Current Account Switch Service if available, which transfers payments and closes your old account automatically

Each bank may have slightly different procedures, but these steps cover the typical process to cancel a current account effectively and securely. If you are closing a specific bank's current account, contacting their customer support directly or checking their website for exact instructions is recommended