The 60-second version
Curaçao bank exit needs zero balance NOC, ANG SWIFT to NRE, and Schedule FA for last FY before India tax residency.
Curaçao uses ANG — wire to NRE before closing US or Netherlands parallel account
Maduro & Curiel's Bank / RBC Royal Bank Curaçao serve Willemstad tourism, refinery, and hospitality payroll — obtain written closure after final credit.
ANG SWIFT to NRE needs FEMA Form A2 at Indian AD bank — retain FIRC for seven years.
Tax lane: tax residency guide for Curaçao exit pattern.
Curaçao bank wind-down
| Bank | Currency | Step |
|---|---|---|
| Maduro & Curiel's Bank | ANG | Written closure |
| RBC Royal Bank Curaçao | ANG | Zero balance |
| SWIFT | ANG | FIRC trail |
| NRE | INR/USD | Receipt confirm |
Closure
Stop debits
Cancel cards.
Final payroll
Wait for credit.
ANG wire
SWIFT to NRE.
Closure NOC
Zero balance letter.
Schedule FA
Last FY account.
Flow
Curaçao bank kit
- Passport.
- Account stmt.
- Closure NOC.
- SWIFT.
- Tax clearance.
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USD peg
Curaçao ANG is pegged to USD — confirm AD bank accepts ANG or converts before wire.
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FBAR?
US person — FinCEN 114 if aggregate > USD 10K.
Schedule FA?
Declare in last FY you held foreign account.
Brokerage?
Close custody before linked bank if held.
US parallel?
US bank guide if you also held US correspondent account.
TCS inbound?
Large SWIFT may attract TCS at AD bank.
Retention?
Keep NOC and SWIFT 7 years Indian + 10 years US/UK.
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