Bper how to close an account

Closing a bank account may seem like a difficult decision to make, but sometimes it's necessary. If you have an account with Bper and want to close it, there are some things you need to know before proceeding.

In this article, we'll explain how to close your Bper account in a simple and fast way, without incurring any problems or additional costs.

What does closing a bank account mean?

Closing a bank account means ending the relationship between the customer and the bank. This involves the cessation of banking services associated with the account itself, such as issuing credit or debit cards, accessing online banking, and so on.

The closing of the account can be requested by the holder of the account for various reasons: changing banks, dissatisfaction with the services offered by the bank, moving abroad, or other reasons.

How to close your Bper account?

To close your Bper account, you need to follow some steps:

• Book an appointment at a Bper branch;
• Remove all payment authorizations associated with your account (such as direct debits);
• Completely empty the balance of your account;
• Return all credit or debit cards associated with the account;
• Sign the request to close the account at the Bper branch.

Remember that if your account has a negative balance, you must first restore the balance before proceeding with the closure.

In addition, if you have a mortgage or other loans in progress with Bper, it may be necessary to fully repay the debts before closing your account.

Once all these steps have been completed, the bank will close your account and return any remaining sums on the account.

Requirements for closing your Bper account

Before proceeding with the closure of your current account at Bper, it is necessary to verify that some fundamental requirements are met.

Zero balance

The first requirement to meet is to have a zero balance on your current account. This means that there should be no cash availability or incoming/outgoing movements.

Removal of services associated with the account

In addition, before proceeding with the closure of the account, it is necessary to remove all services associated with it, such as credit cards or bank cheques. This operation can be carried out directly online, through online banking, or by going to a Bper branch.

Return of documentation and banking instruments

Finally, in order to definitively close your current account at Bper, you must return all documentation and banking instruments in your possession. These may include cheque books, credit or debit cards.

• Zero balance;
• Removal of services associated with the account;
• Return of documentation and banking tools.

Once all these requirements have been met, it will be possible to proceed with the closure of your current account at Bper. In case of doubts or difficulties, it is always advisable to contact the bank's customer service for assistance.

How to request the closure of a Bper account

To request the closure of your current account at Bper, you need to follow some simple procedures.

Step 1: Check the contractual conditions

Before proceeding with the request to close your account, it is important to check the contractual conditions provided by your contract. In particular, it is necessary to verify if there are costs or penalties for early closure of the account.

Step 2: Prepare the necessary documents

To request the closure of your account, you need to provide some documents. In particular, you need to provide:

• Valid identity document;
• Tax code;
• Bank card and/or credit card associated with the account to be closed.

Step 3: Submit the closure request

The request to close your account can be made in different ways:

• In branch: by contacting directly your Bper branch and filling out the appropriate request form;
• Online: by accessing the reserved area on the official Bper website and filling out the online form;
• By mail: by sending a registered letter with return receipt to your Bper branch, containing the request to close the account and the necessary documents.

Once the request to close the account has been made, it will be necessary to wait a few days for the conclusion of the procedure. In particular, it is necessary to wait until all movements on the account have been regularized and there are no more residual debts or credits.

Finally, it is important to remember that in case of any financial products associated with the current account (such as mutual funds), it is also necessary to terminate them before proceeding with the closure of the account.

What to do before closing a Bper account

Before proceeding with the closure of your Bper account, there are some important things you need to do to avoid future problems.

1. Check your movements and pay off any debts

Make sure you have enough balance in your account to cover all outstanding payments and future expenses. Also, check if there are recurring charges or payments active on your account and make sure to deactivate them or transfer them to another account.

Check also your bank statements to ensure you do not have any incorrect debts or charges. If you find any errors, contact immediately Bper's customer service to resolve the situation.

2. Transfer your money to another account

Before closing your Bper account, make sure to transfer all your money to another bank account. You can choose to open a new account at a different bank or at

Remember that fees may apply for transferring funds from Bper to another bank, so be sure to check your bank's conditions before proceeding.

3. Return all cards and checks

Before closing your Bper account, make sure to return all bank cards (such as credit card or debit card) and checks in your possession. If you have lost a card or a check, immediately report it to your Bper branch.

4. Request confirmation of account closure

After completing all the previous steps, request confirmation of the closure of your Bper account. This way you will have the certainty that your account has been closed correctly and that there are no more recurring charges or payments active on it.

• In summary:
• - Check your movements and settle any debts
• - Transfer your money to another account
• - Return all cards and checks
• - Request confirmation of account closure

By following these simple steps, you can close your Bper account without problems and with the security of having done everything necessary to avoid future surprises.

Bper account closure procedure and waiting times

To close your current account at Bper, it is necessary to follow a precise procedure that requires some actions on the part of the customer.

Steps for closing a Bper account

• Notice: First of all, it is important to communicate to the bank your intention to close the account. This communication must be made with a notice of at least 30 days before the date on which you wish to close it.
• Repayment of amounts: Subsequently, it is necessary to ensure that there are no more sums to be reimbursed or pending charges on the account. Otherwise, it will be necessary to settle all debts before being able to proceed with the closure.
• Return of credit card and other instruments: Once it has been verified that the balance is zero, all the instruments provided at the time of opening the account must be returned to the bank: credit cards, debit cards, checks, etc.
• Signing of documents: Finally, it is necessary to sign a special form to attest to the willingness to definitively close the current account.

Waiting times for closing a Bper account

After completing the procedure for closing the account, it is necessary to wait a few days for confirmation from the bank. Waiting times may vary depending on specific circumstances and actual presence of any outstanding debts or charges.

In general, the average time for closing a Bper account is about 10 working days from the date of submission of the request.

It is important to keep in mind that during this period the account can still be used and that any movements could slow down final closure times.

Conclusion

Closing a current account with Bper is a simple operation that requires few steps but must be done carefully and following the rules provided by the bank. To avoid unpleasant surprises, it is always advisable to carefully check the status of your balance before proceeding with the closure of the account and to follow all the steps indicated by the bank scrupulously. This way you will avoid delays in completing the procedure and you will have the certainty of having done everything correctly.