Termination of Bank Account
This document serves as the formal termination of a checking account at a bank in Germany or Austria. It contains all the necessary information to handle the termination process legally correctly. In German, this document is called "Kündigung Girokonto".
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Kündigung Girokonto
The termination of a checking account is an important step that must be carried out formally and correctly. This document helps you properly terminate your checking account with a bank in Germany or Austria.
When should you terminate the checking account?
A checking account should be terminated if you are switching banks, the terms are worsening, or you no longer need the account. Make sure that all outstanding payments and direct debits are settled.
Legal basis
In Germany, the Civil Code (BGB) regulates the termination of checking accounts, particularly the paragraphs on ordinary termination. In Austria, the General Civil Code (ABGB) is decisive. Both legal systems require that the termination must be in writing.
Required information
- Full name and address of the account holder
- Account number and bank code
- Date of termination
- Signature of the account holder
Ensure that all required information is correct and complete to avoid delays.
The formal termination of your checking account is a simple process if you follow the steps mentioned above. If in doubt, you can contact your bank or a legal advisor.
FAQ
The notice period for a checking account is usually one to two months. Check your bank’s contract terms.
- Identification document
- Account number and bank code
- Written termination declaration
Many banks now offer the option to terminate the checking account online. Check the options on your bank’s website.
After termination, all standing orders and direct debits will be stopped. Ensure that you have set up alternative payment methods.