Holders of payment accounts (including current accounts) may close their accounts at any time, unless a pre-notice period has been agreed, which the payment service provider can never require to be more than one month.

Except in cases of account change (in which the closure of the account can be requested directly from the service provider to which the customer wishes to change his or her account), the closure of an account must be formalised with the payment service provider by its holder or, in the case of a collective account, by all of its holders.

Account holders may also request immediate and unpaid closure of their account if they do not agree to a proposal to change the terms of the contract that the payment service provider presents to them. This request for closure must be submitted before the date proposed by the payment service provider for the application of the changes to the contract.