BoB account closure mostly works through the offline branch process. You usually need to visit your home branch because full online closure is not available for most customers.
Carry a handwritten closure request or Customer Request Form along with your passbook, ATM card, cheque book (if available), Aadhaar, and PAN for verification.
📌 BoB Account Closure Steps
💡 Smart Tip: If your cheque book is lost, simply mention “Cheque book lost, unused leaves blocked” inside the handwritten request letter.
📌 Extra Note: Joint account holders usually must sign together. Also, if a cheque was recently issued, wait 2–3 days for clearing before submitting the closure request.
📖 Read below: How to close a BoB account online, account closure charges, and negative balance waiver tips.
Can I Close My Bank of Baroda Account Online?
No, Bank of Baroda does not currently allow full online closure of Savings or Current Accounts.
There is no “Close Account” option inside the BOB World app or Internet Banking. Even though BoB is expanding digital banking services like ASK ADI chatbot and online requests, account closure still requires a branch visit for verification.
If your home branch is in another city, Bank of Baroda now allows online home branch transfer through the BOB World app before closure.
📌 Tip – For inquiries or assistance, you can call the Bank of Baroda customer care number at 1800 5000 or 1800 5700.
How to Transfer BoB Home Branch Online
If your account was opened in one city but you now live somewhere else, first transfer your branch online.
Steps
- Open BOB World app
- Tap “More”
- Go to “Service Requests”
- Open “Miscellaneous”
- Select “Transfer Savings Account”
- Choose your new branch
- Approve using 4-digit TPIN
After submission, you will receive a Reference Number valid for 30 days.
Now visit the selected branch with:
- Aadhaar or PAN card
- Existing passbook
- Reference number from app
The branch will update your account and issue a new passbook with the new IFSC code.
After branch transfer is completed, you can submit the Bank of Baroda account closure request at the new branch.
Bank of Baroda Account Closure Documents List
Before visiting the branch, keep these documents and items ready. Missing anything can delay the account closure process.
| # | Required Item | Why It’s Needed |
|---|---|---|
| 1 | Handwritten closure application | Mandatory closure request |
| 2 | Passbook | Must be submitted |
| 3 | Debit/ATM Card | Usually surrendered or destroyed |
| 4 | Cheque Book / Unused cheques | Returned to bank (only if older than 3 months) |
| 5 | Aadhaar Card or PAN Card | Identity verification |
| 6 | Zero pending transactions | No cheque or payment should be pending |
| 7 | Joint holder signatures | Required for joint accounts |
If you miss anything here = closure may be delayed.
Account Closing Fees and Penalty Rules
BoB account closure charges mainly depend on how old your account is and the account type.
| Scenario | Charges |
|---|---|
| Closure within 14 days of first deposit | ₹0 |
| After 14 days but within 1 year | ₹300 + GST (Metro branches) / ₹275 + GST (Non-metro) |
| After 1 year | Usually ₹0 |
| Closure due to account holder’s death | ₹0 |
| Current Account closure within 1 year | Around ₹800 + GST |
The closure fee is deducted directly from your account balance. If you are closing the account within 12 months, keep enough balance to cover charges.
Note: Even if your account balance is zero, some branches may still ask for another bank account number in the closure form.
How to fill the BOB Handwritten Closure Application
You can write the closure request on plain A4 paper using a blue or black pen. Use your passbook for correct account details.
Your application should include:
- Full name (same as bank records)
- Account number
- Branch name
- Registered mobile number
- Request line like: “Please close my savings/current account.”
- Mention submitted items: passbook, debit card, cheque book
- How you want the remaining balance:
- Cash (small amount)
- Transfer to another bank account (write account number + IFSC)
- Cheque or DD
- Reason for closure (example: “Account not in use”)
- Signature of all account holders
- Date and place
🔴 Note: BOB accept payment modes – Cash/DD/Cheque/RTGS/NEFT), Balance must go to your own account, not someone else’s.
How Long Does Bank of Baroda Account Closure Take?
The account closure time depends on your account status and document verification.
- If all documents are correct and there are no pending issues, closure may happen within 24 working hours.
- In most normal cases, the process takes around 3–5 working days.
- If any cheque is under clearing, the bank will wait until settlement is completed.
- Joint accounts may get delayed if all holders are not available for signatures.
- KYC mismatch or identity issues can also delay the process.
- Accounts with negative balance or pending charges are usually not closed until dues are cleared.
So, quick closure is possible, but delays can happen if verification or transaction issues are pending.
Negative Balance and Waiver Rules
Some customers find:
- They stopped using the account
- Minimum balance charges kept applying
- The debit card renewal fee is also deducted
- Account became negative
Now, branch officers will tell you – “First clear the negative balance. Then we will close the account.”
1. Why does this happen?
| Charge Type | Hint |
|---|---|
| Minimum Balance Penalty | ₹2,000–₹3,000 average monthly requirement not met |
| Debit Card Annual Fee | Auto-deducted even in inactive accounts |
2. Solutions (Real & Practical)
| What You Can Do | Result |
|---|---|
| Request waiver citing non-usage + financial hardship | The manager may reduce or remove dues |
| Convert into a BSBDA zero-balance account first | Charges vanish once converted |
| Provide a written request to settle & close at a minimum fee | Faster approval |
| If charges look wrong → escalate to the Regional Office or RBI CMS | Many waivers happen after a complaint |
Tip for You: Don’t leave the account inactive, if negative balance or trigger dormant → bigger headache later.
Special Account Types — Extra Rules to Know
| Account Type | Extra Requirement |
|---|---|
| Joint Account | All holders must sign |
| Minor Account | Guardian signature / KYC of major |
| NRI Accounts | Passport + Visa + Overseas proof |
| Business/Corporate | Board Resolution / Seal |
| HUF Account | Karta declaration |
| Deceased Holder | Nominee claim documents |
| Dormant/Frozen | Reactivation/KYC first |
Frequently Asked Questions
Do I need my old passbook if it is lost or damaged?
Tell your base branch. They will block the items and take a loss declaration with ID proof. Closure still continues without extra problem.
Can BoB refuse to close my account? What if they delay it?
If dues or pending cheques exist, they can pause. Otherwise, take stamped acknowledgment and escalate to the branch manager or regional team.
How long does it take to receive the remaining balance after closure?
If cash or internal transfer, same day. For external NEFT/RTGS or cheque, it may take 1–3 working days, depending on processing time. if bank choose provide refund via DD or cheque, it may takes 12 to 15 working days.
What happens to linked UPI or auto-debits after I close the account?
They stop immediately. Remove UPI from apps, cancel mandates earlier to avoid failed payments, penalties, or confusion after closure.
If I have a joint account, can only one holder visit for closure?
No. All account holders must sign the closure request. If someone is unavailable, collect signed authorization and ID proofs beforehand.
Can I convert my BoB account into a zero-balance account before closing it?
Yes. Request conversion to a BSBDA account but here eligibility applies so confirm with the branch first, settle negative charges, then close. This helps remove minimum balance penalties and makes closure easier.
Does Bank of Baroda send any final confirmation after account closure?
Yes. Bank of Baroda sends an SMS to your registered mobile once the backend closure is completed. If you don’t receive it within 5–7 working days, revisit the branch with the acknowledgement.
Is returning the passbook compulsory for Bank of Baroda account closure?
Mostly yes. BoB prefers collecting the passbook to mark the final closure. If it’s lost, you must sign a loss declaration; closure still proceeds without penalty in most branches.
Will my BoB-linked UPI apps stop immediately after closure?
Yes. Once the account is closed, all UPI IDs linked to it stop working instantly. It’s still smart to remove the account manually from apps to avoid failed-payment confusion.
How can I verify that my Bank of Baroda account is permanently closed, not dormant?
A closed account stops showing balance inquiries and transaction SMS alerts. Dormant accounts still exist internally. You can confirm final closure by requesting written confirmation from the branch.
Read – How to Close a Bank Account in India
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