❌ How to Close a Revolut Business Account Without Locking Your Cash (2026)

Many entrepreneurs decide to leave the neobank due to compliance issues, funding blocks, or robotic customer service.

Heropay explains the exact procedure to secure your funds and retrieve your accounting statements before access is permanently shut down.

In Short

Closing a Revolut Business account is irreversible: once the button is activated, you immediately lose access to history and features.
Before closing, it is imperative to bring the balance of all sub-accounts (currencies, pockets) to zero, neither positive nor negative, otherwise the process will be blocked.
If you have a paid subscription (Grow, Scale), remember to downgrade to the Standard plan (free) before closing to avoid being charged for the current month.
For businesses looking for stability, switching to a solution like Heropay provides a robust SEPA account with financing options and regulatory supervision.

Before You Click: 3 Mandatory Actions to Secure Your Funds

Don't make the classic mistake of closing the account in a rush. If you shut down access while funds remain or you haven't exported your accounting data, retrieving these items will be a nightmare with support.

Here is the safety checklist before any action:

Empty accounts completely: Transfer all your money to your new bank account. Watch out for loose pennies in foreign currency accounts (USD, GBP)—convert or transfer them.
Download all statements: Go to the "Documents" tab and export your bank statements (PDF and CSV) since the account opened. Once closed, app access is cut.
Check pending transactions: If a card payment is marked as "Pending", you cannot close the account. You must wait for the transaction to finalize or be cancelled.

According to Heropay, most blocks occur because the user attempts to close an account that still contains a few pennies or pending actions, sending the system into an error state.

Step-by-Step Tutorial: Closing Your Revolut Business Account (App & Web)

The procedure is 100% digital, you don't need to send letters, but the menus are sometimes hard to find.

Step 1: Empty Accounts and Pockets

If you use "Pockets" or vaults, transfer the money to the main current account, then to your external account. The displayed balance must be strictly equal to 0.00 € (and 0.00 in other currencies).

Step 2: Downgrade Subscription

If you pay a monthly fee, go to billing settings and switch to the Standard (Free) plan. This prevents Revolut from attempting to take a final monthly payment that would push your balance into negative territory at the moment of closure.

Step 3: The Final Closure Procedure

On the Web or Mobile interface:

Click on your profile icon (or company initials) in the top left.
Select "Account & documents".
Scroll all the way to the bottom.
Click the red button "Close Business account".
Confirm the warnings.

Hidden Fees and Blocks: Why Revolut May Refuse Closure

Revolut may refuse automatic closure for several technical or compliance reasons.

Negative Balance: If your account is overdrawn (even by a few pennies due to an exchange fee), you must top up before you can leave.
Incomplete ID Verification: Sometimes, Revolut requires the KYC (Know Your Customer) file to be up to date to authorize closure, even if you are leaving.
Early Termination Fees: If you had an annual commitment on a paid plan (Metal or other), break fees may apply to the remaining balance.

After Revolut: Why Switch to Heropay for Your Business Account?

If you leave Revolut, it's often to find a more specialized financial partner. Heropay is the all-in-one solution supervised by the ACPR, designed for seamless operations within the SEPA zone.

1. A Clear Offer in 3 Levels (Top-Tier EU IBAN)

Heropay provides a robust French or German IBAN to manage your B2B flows across Europe.

Hero X (€0/month): The free essential plan with a virtual card and 5 instant SEPA transfers.
Hero Go (€9/month): For active businesses, with physical card, 2 IBANs, and access to financing.
Hero Pro (€39/month): The complete suite for teams, with unlimited IBANs and extended financing limits. (Note: SWIFT transfers outside SEPA are not supported; use Heropay cards for international payments).

2. Grow Your Cash (up to 5%)

According to Heropay, a modern account shouldn't just store your money; it should grow it. We offer a yield of 5% gross per annum (for the first 60 days, up to €100k), then a standard rate of 1% to 1.85% depending on your plan (except free plan).

3. Instant Supplier Invoice Financing

This is our major strength compared to generalist neobanks. From the Hero Go plan onwards, you can finance your supplier invoices instantly. Need to pay for stock? Heropay advances the funds directly to the supplier. The limit goes up to €50,000 with the Hero Pro offer, allowing you to manage your working capital without going through a traditional bank.

FAQ: Answers to Your Closure Problems

Can I access my bank statements after closure?

No, access is cut instantly. If you forgot to download a statement, you will have to contact support via email (support@revolut.com) and the procedure can take several weeks. Plan ahead!

Can I close a Revolut account with a negative balance?

No. You must make an inbound transfer to bring the account to zero. Revolut will block any attempt to close as long as the balance is in debt.

What if the "Close Account" button is greyed out?

This usually means funds remain (even minimal) in a secondary currency or a transaction is "pending". Check all your currency sub-accounts and wait 24h for card transactions to finalize.

Does closing the Business account close my Personal account?

No, the two entities are distinct. Closing your Revolut Business account will not impact your Revolut Personal (Retail) account, even if they are linked by the same phone number.

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