Effortless Bank Account Closure

1) First, the request to close the account must be written, signed and delivered to the bank through one of the following channels: Deposit the application directly with the banking agency Digitally: By sending the request via the bank’s email, or via the mobile banking application or on the bank’s website. by mail. The message must include the necessary information that allows the bank to process the request: family and personal name, national identification card number, account number, name of the banking agency, city, phone number.. 2) Secondly, once the request is received, the bank automatically and immediately delivers a receipt to the customer. 3) Thirdly, the bank will inform you, within a maximum period of one month, of the outcome of your request, through all available methods: text messages, e-mail.... It is about telling you if your account is “closable” as it is or if you must settle the debit position of the account, repay loans...; Even if your account can be closed, the closing process may require a period of time to determine the final balance of the account before closing it permanently. 4) When the bank actually closes the account, it will send you a certificate of account closure by all means (text message, email...) or deliver a printed copy to you if you submit a request for that.

This relates to a process through which the customer puts an end to the account agreement that links him to his banking institution by closing the account that he had opened with the latter. The account may be closed: - Based on a request submitted by the customer, the account holder, without prior notice. -Or at the initiative of the bank, taking into account sending a prior notice of 60 days to the account holder.

No, closing the account is among the banking services that banks provide to their customers free of charge in accordance with applicable laws.

Yes, when I submit a request to close the account, the bank can reject it if I do not settle my debtor situation, which may result from expenses, commissions, interest and/or if I do not repay the loans I obtained from the bank. In this case, the bank must specify the reasons for refusing to close the account.

Ensure that the amounts of all checks appearing for the account subject to closure are settled; If the bank receives a check after closing the account, it will refuse to pay the amount recorded in the check because “the account is closed,” which will lead to a ban on the use of checks. Return all means of payment related to the bank account that I want to close, as I will bear the responsibility of not returning them if they were used after closing the account. Settlement of the position of my account if it is in debt as a result of my conducting banking operations, on the basis of the position recorded by the bank. Informing the institutions or companies that benefit from a deduction license, or those ordering a permanent transfer on the account, to close the account and providing them with the bank identification number for the new account.

If you do not receive a response from the bank, after the one-month period stipulated by law, you can file a complaint. By depositing a written complaint with my bank agency against the receipt If I do not receive a response to my complaint from my banking institution, I can contact the Moroccan Center for Bank Mediation (0522272169)

The debit account will be closed at the initiative of the bank if you stop using it for a period of one year, starting from the date of recording the last transaction in your account credits. Before closing the account, the bank must inform the customer via a guaranteed letter sent to the last address declared by the latter to his banking agency. If you do not express your desire to keep the account open within 60 days from the date of the notification sent to you by the bank, the account will be closed. If you do not express your desire to keep the account open, the bank has the right to demand the debit balance recorded in the account subject to closure. The bank must place at your disposal a detailed document that includes all elements of the debt owed for the banking operations completed in your account.