The 60-second version
Afghanistan bank exit needs written closure NOC, AFN/USD conversion at branch, SWIFT to NRE with correspondent routing, and Schedule FA for last FY — pair with Afghanistan tax guide.
Document every step — correspondent SWIFT may need USD leg and employer payroll proof
Azizi Bank, Afghanistan International Bank, and Afghan United Bank serve NGO and contractor payroll — obtain zero-balance NOC after final credit.
AFN liquidity can be thin — convert to USD at branch before SWIFT; retain employer settlement for AD bank FEMA query.
Tax lane: Afghanistan tax guide for ARD payroll exit.
Afghanistan bank wind-down
| Bank | Currency | Document |
|---|---|---|
| Azizi Bank | AFN/USD | Closure NOC |
| AIB | USD | Zero balance cert |
| Afghan United | AFN | SWIFT copy |
| NRE | INR/USD | FIRC receipt |
Closure
Stop debits
Cancel cards and SI.
Final payroll
Wait for last NGO credit.
AFN→USD
Convert at branch.
SWIFT NRE
AD bank Form A2.
Schedule FA
Last FY foreign account.
Flow
Afghanistan bank kit
- Passport copy.
- Account stmt.
- Closure NOC.
- SWIFT.
- Employer letter.
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Correspondent routing
Some Indian AD banks reject Afghanistan-origin SWIFT without employer payroll proof — obtain bank pre-approval before large wire.
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0 of 4 checked
FBAR?
US person — FinCEN 114 if aggregate > USD 10K at any time in calendar year.
Schedule FA?
Declare account in last FY you held foreign bank balance.
Pakistan parallel?
Pakistani bank guide if you also held Islamabad account.
DTAA?
No India-Afghanistan DTAA — Form 67 typically not applicable on interest.
AFN cash?
Convert at bank — do not carry large AFN notes abroad without customs declaration.
Retention?
Keep NOC and SWIFT 7 years Indian + 10 years US/UK if applicable.
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