Sberbank is one of the largest financial institutions in Russia. Practically every adult citizen deals with him. This financial institution offers many services. For example, here you can open a bank account for an individual entrepreneur, organization or individual. This is not so difficult to do. But sooner or later you will have to think about how to close an account with Sberbank. Is it possible to do this before the expiration of the agreement concluded with the company? What features of the procedure should be remembered? Having understood these issues, everyone will be able to easily close accounts with Sberbank.
Is there a right
First of all, you need to understand what rights each client of the said financial institution is vested with. Can I close an account with Sberbank? When does a citizen have such a right, if at all?
After opening any account with Sberbank, the client can close it at any time. To do this, it is enough to follow some rules. About them will be discussed later. Accordingly, an open account can be closed when its owner wishes. It should be noted that the procedure for closing the settlement accounts of individuals and individual entrepreneurs will be slightly different. Nevertheless, in general, this operation does not cause much difficulty.
Who can close accounts
How to close an account with Sberbank? Who is eligible? After all, not every citizen can carry out operations with a particular account.
Closing accounts at any banks can:
- account holders;
- proxies sent by the account owner.
Outsiders can not make transactions with other people's accounts. Sberbank is not too willing to close deposits and cards through proxies. Therefore, as a rule, it is necessary to deal with this operation to the one in whose name the account is open (or to the owner of the individual entrepreneur / company).
Closing a debit card
Closing an account with Sberbank is not so difficult. Let's start with operations conducted by individuals. In practice, they are most often found. The first situation related to the closure of an account with Sberbank is the refusal to use a debit card. She has a current account in which money is stored. It will be closed when refusing bank plastic.
To bring the idea to life, you need:
- Withdraw all money from a bank card. For example, you can use an ATM to receive cash.
- Prepare documents for closing an account. Their list will be offered below.
- Contact any branch of Sberbank and write a statement about refusing to use a debit card.
- Give bank plastic to employees of a financial company. In front of the owner, the card must be destroyed. Otherwise, you can cut the card at home yourself.
After the actions taken, Sberbank will issue a certificate to the citizen about closing the account, as well as about the absence of debts to the company.
To close a debit card, you will need:
- bank plastic, which is no longer necessary;
- passport of the owner.
No other papers will be required from an individual. You can refuse a debit card of Sberbank and its current account in a few minutes.
Card and theft
Sometimes it happens that debit cards are stolen. Then you need to think about how to close an account with Sberbank, to which bank plastic is tied. There is nothing special in this situation. Even in the absence of a bank card, you can close it and refuse to use the assigned current account.
To do this, you need:
- Block an existing bank card.Sberbank allows you to do this using the "Mobile Bank" or the "Sberbank Online" service. The simplest solution is to submit a written request for blocking, which indicates the reason for "loss / theft of the card."
- If a citizen decided to personally apply for blocking, you need to contact any Sberbank with an identity card and a request to terminate the card.
- Simultaneously with the application for blocking, you must submit an application to close the bank card. There is no need to re-release plastic.
- Withdraw money from a bank card. As a rule, after closing an account with Sberbank, they go forward and give out the required funds through the organization’s cash desk.
Nothing more is required. After the described actions, the debit (or credit) card will be closed. Her current account will also close.
Credit cards
A few words about how you can close an account with Sberbank tied to a credit card. In general, the operation will be similar to the previously proposed algorithms. But you still have to do something before closing the account.
Closing a Sberbank credit card boils down to the following algorithm:
- Clarify the debt on a "credit card". If it is missing, you can use the previously proposed actions to close the account.
- If there is debt on your credit card, you need to close it. Only after that it will be possible to realize the task.
- Contact Sberbank with a card and passport. Write a statement to close the account.
- Get a statement about the operation.
Technically, there will be no problems with closing the account. No evidence of the absence of credit card debt is needed - Sberbank employees check the availability of debt on the spot. If it is available, they simply refuse to accept the application and ask to pay off the debt first.
savings account
How to close a savings account in Sberbank? In general, this operation is no different from the operations of closing accounts tied to bank cards. In this case, you need:
- Write an application to close the account.
- Submit a document with an identity card and an agreement to open an account with Sberbank.
- Get help on the successful completion of the operation.
Now it’s clear how to close a current account with Sberbank. But this scenario is relevant for those who personally apply to a financial organization. Individuals can manage their accounts through Sberbank Online.
Closure via Sberbank Online
It is very convenient. Without leaving home, a citizen can apply for closing an account. What is required for this?
To close an account with Sberbank through Sberbank Online, you need to:
- Go to the service page, go through authorization in it. You can use both a permanent username and password, and temporary (they can be obtained through an ATM).
- Go to the "Deposits and Accounts" section.
- Select the required current account or deposit. To do this, select it with the mouse cursor.
- In the field located on the right side of the window, select the item "Account closure".
- Fill out an application. In the "Balance of funds to transfer to ..." section, you must specify any other account or bank card to which the funds will come.
- Click on the "Next" button, then on the "Close".
As soon as the status "Completed" appears on the screen, it will be impossible to cancel the request to close the account or deposit. This method of solving the problem is not too often used in practice. Many users complain that it is problematic to close an account with Sberbank through Sberbank Online - the request simply does not go through the processing stage. In this case, you can submit a written application to any branch of the financial institution to close the deposit or account.
Features of early closure of accounts
Now a little about the features of the early closure of deposits and accounts from Sberbank. When opening a deposit or deposit, a citizen begins to accrue certain interest for using the services of a financial company.You can close an existing account:
- ahead of schedule;
- at the time the contract expires.
If a citizen closes a deposit on the day the agreement is terminated, there will be no particularities. The applicant simply takes the money, writes a statement to close the account and receives an extract on the successful operation.
Early closure of deposits requires special attention. So, if the duration of the deposit is up to 6 months, interest on payments will be charged according to the column "on demand". This means that in fact the citizen will not receive any additional money for the maintenance of finances in the bank.
When the funds have been in Sberbank for more than 6 months, and the contract is concluded for a longer period, when closing the deposit, you can count on additional money in the amount of 2/3 of the existing interest rate. Otherwise, the procedure for closing an account / deposit will occur according to the previously mentioned algorithms.
Instructions for IP
It is not very difficult to close an IP account in Sberbank. Technically, this process does not cause any difficulties.
The procedure for closing the settlement account of an individual entrepreneur is described as follows:
- Collect certain documents and information necessary for the implementation of the task.
- Close all debts to the bank and counterparties. The entrepreneur at the time of closing the account should not have a single debt or unpaid fine.
- Withdraw funds remaining in the account. At the close, its balance should be 0 rubles.
- Write an application to close the account. Take it to any branch of Sberbank.
- Get a certificate of account closure from a financial institution. Along with this, the entrepreneur is issued a notification of the successful completion of the action.
In connection with the latest changes in the legislation of the Russian Federation, the last step is not required. Notify the Federal Tax Service of the closure of accounts is no longer necessary. This applies to companies, and entrepreneurs, and individuals. From now on, it’s clear how to close a current account with Sberbank.
Documents for IP at closing
Entrepreneurs, unlike individuals, will have to prepare more documents in order to stop cooperation with the bank. What papers will be required?
To close an account with Sberbank, an individual entrepreneur must submit the following documents:
- certificate of registration of IP;
- statement of account balance;
- identity card of the applicant (entrepreneur);
- account opening agreement;
- documents indicating the repayment of all debts of the individual entrepreneur.
More detailed information must be clarified using the existing agreement with the bank. It indicates the full list of documents required to close an account. For example, a certificate from the State Registration Service on state registration may be required from an individual entrepreneur.
Summary
Will they close their accounts with Sberbank if a debt is registered with a citizen or individual entrepreneur? Not. As already mentioned, one of the most important points for the implementation of the task in life is the lack of debt. Until they are repaid, you can forget about closing accounts and deposits. Otherwise, it’s clear how to close the account of a Sberbank card. This operation will no longer cause any difficulties.
