Closing a bank account may seem complicated, but State Bank of India (SBI) has made the process simple and customer-friendly. If you’re planning to close your SBI savings or current account in 2026, this complete guide explains online & offline methods, documents required, charges, and important tips.
Why Close an SBI Account?
People choose to close their SBI account for many reasons, such as:
- Shifting to another bank with better services
- Account not in use (inactive or zero balance)
- Relocation to another city or country
- Multiple bank accounts not required
- Converting savings to another account type
Types of SBI Accounts That Can Be Closed
You can close the following SBI accounts:
- Savings Account
- Current Account
- Salary Account
- Basic Savings Bank Deposit Account (BSBDA)
- Joint Account (with all holders’ consent)
SBI Account Closure Methods (2026)
1️⃣ Close SBI Account Offline (Branch Visit)
This is the most reliable method.
Steps:
- Visit your home branch (or any SBI branch)
- Request the Account Closure Form
- Fill in details:
- Account number
- Reason for closure
- New bank account details (for balance transfer)
- Submit:
- Debit card
- Unused cheque leaves
- Passbook
- Carry valid ID proof
- Sign the form and submit
⏱ Processing Time: 3–7 working days
2️⃣ SBI Account Closure Online (Limited Availability)
As of 2026, SBI does not provide full online account closure for all account types. However:
- You can raise a request via SBI YONO app
- Contact SBI Customer Care
- The bank may still ask you to visit the branch for final verification
Documents Required to Close SBI Account
- SBI Account Closure Form
- Aadhaar Card / PAN Card
- Debit Card (if available)
- Passbook
- Cheque Book (unused leaves)
SBI Account Closure Charges (2026)
| Account Age | Charges |
|---|---|
| Less than 14 days | ₹50 + GST |
| 14 days – 1 year | ₹300 + GST |
| More than 1 year | No charges |
💡 BSBDA (Zero Balance) accounts usually have no closure fee.
Important Rules to Know Before Closing SBI Account
- Ensure zero balance or minimum amount for charges
- Cancel auto-debit mandates (EMI, SIP, subscriptions)
- Transfer or withdraw remaining balance
- Joint account requires all holders’ signatures
- Minor account closure requires guardian approval
How to Transfer Remaining Balance?
You can choose:
- Cash withdrawal
- Transfer to another SBI account
- NEFT/RTGS to another bank
SBI Customer Care for Account Closure
- 📞 Toll Free: 1800 1234 / 1800 2100
- 🌐 Official SBI branch assistance
Frequently Asked Questions (FAQs)
Can I close my SBI account online in 2026?
Partial requests can be initiated online, but branch visit is usually mandatory.
How long does SBI take to close an account?
Usually 3 to 7 working days.
Can I close my SBI account from another city?
Yes, but some branches may require home branch approval.
Is PAN mandatory?
PAN is required if the account balance or transactions are high.
Final Words
Closing your SBI account in 2026 is a straightforward process if you follow the correct steps. Always clear dues, cancel linked services, and keep acknowledgment receipts for future reference.
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