The 60-second version
Slovak bank wind-down needs zero balance, SLSP / Tatra banka closure letter, Finančná správa clearance if s.r.o. involved, and EUR SWIFT to NRE.
Euro IBAN still triggers Schedule FA until closure PDF exists
Many returnees held SLSP or Tatra via Slovak s.r.o. for EU invoicing — India residency triggers Schedule FA and bank relationship review.
Close s.r.o. account only after Finančná správa tax clearance and shareholder distribution documented.
Wire EUR to NRE with SWIFT purpose code — retain closure PDF for AD bank queries.
Neighbour: Austrian bank guide.
Slovakia account types
| Account | Close step | India note |
|---|---|---|
| Personal SK IBAN | Zero + branch request | Wire to NRE |
| s.r.o. business | Tax clearance first | Dividend in ITR |
| Revolut SK | Separate provider | Own closure rules |
| Investment SK | Sell + wire | Schedule FA |
| Payroll SK | Employer final pay | Form 67 if overlap |
Slovak bank close sequence
Liquidate balance
EUR to India NRE.
Tax letter
Finančná správa if s.r.o. involved.
Bank request
Signed closure form + passport.
Closure PDF
Account closed confirmation.
Schedule FA
Disclose until fully closed FY.
Wind-down flow
Slovak bank kit
- IBAN statement.
- Closure email.
- SWIFT receipt.
- Tax cert if s.r.o.
- Passport copy.
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Czech sibling
Czech bank is separate country — not covered by Slovak closure.
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Keep s.r.o. after return?
Possible but Schedule FA + Slovak filings continue.
Form 15CB?
Typically not for EUR from own SK account to NRE.
SLSP vs Tatra?
Same wind-down pattern — separate requests.
FBAR?
US persons — SK accounts in USD 10k aggregate.
Multi-currency?
Close each pocket to zero first.
Hungary overlap?
Separate entity — own closure process.
Your NRE account redesignation has a deadline.
Banks don't remind you. You need the right account stack before salary, rent, and EMIs start moving. Get the exact sequence.