Whenever a child reaches 18 years then he/she needs to convert their minor bank account to a major account. After converting to the major account you can use that account can be used without any limitations on banking transactions.
Below are some examples of minor to regular savings account conversion request letters that you can use for any bank.
To
The Branch Manager,
Bank name,
………………….. Branch.
Sub: Minor to Major Account Conversion.
I [Account holder’s name], have a minor account in your bank with a/c no. 4564XXX8542. I turned 18 starting 22 Aug 2022. Since I have reached the majority, I want to convert my account to a regular savings account.
Kindly find my date of birth certificate and Aadhar card copies for your verification.
And please convert my minor account to regular savings bank account.
Sincerely,
Account holder’s name.
Signature.
To
The Branch Manager,
Bank Mame,
………………….. Branch.
Sub: Minor to major account application.
I [Account holder’s name] have a minor account in your bank with a/c no. 321XXXXX450. On 22 August 2022, I reached the age of 18, so I want to convert my minor account into a regular savings account with all banking facilities.
I have enclosed my marks sheet as date of birth proof and Aadhar for your KYC verification.
Therefore, please convert my account to a regular savings account as soon as possible.
Regards,
Account holder’s name.
Signature.
To
The Branch Manager,
Bank Name,
……………. Branch.
Sub: Minor to Major Account Conversion.
I [name of account holder], hereby inform you that I have attained 18 years of age as of August 22, 2022. Therefore, I need to convert my minor account to a normal account with all banking facilities.
I am providing my date of birth certificate and Aadhar for your reference. So kindly convert my account to a regular savings account.
Sincerely,
Account holder’s name.
Signature.
To
The Branch Manager,
Bank Name,
…………… Branch.
Sub: Application for minor to a major account.
My name is [name of account holder] and I opened a minor account in 2018 at the age of 14 with the help of my father. I have now reached 18 years of age starting on 21 August 2022.
So I wish to convert my minor account to a normal savings account without any limitations.
Kindly find my date of birth certificate and Aadhar attached with this letter for your verification, and please convert my account into a normal savings account.
Sincerely,
Account holder’s name.
Signature.
To
The Post Master/Manager,
Indian Post,
……………… Branch.
Sub: Minor to major account conversion Application.
I am [account holder’s name], have a minor account in your bank with a/c no. 2145XXXX456. I am writing to inform you that I turned 18 on 05 September 2022.
Therefore I want to convert my account to a regular savings account. Please find my date of birth certificate and Aadhar enclosed with this letter.
And please convert my minor account to a regular savings account at your earliest.
Thanks in advance.
Regards,
Account holder’s name.
Signature.
Who should write the application letter account holder/guardian?
The letter should be written and signed by the account holder i.e the child who turns 18 years. If the bank provides any prescribed application format in which the signatures of both account holder and guardian are required.
Why should I convert a minor account to a major bank account?
Minor bank accounts have restrictions on banking transactions like ATM withdrawals, daily transfer limits, etc. In order to remove those restrictions, you need to convert your minor account into a regular savings account.
What are the documents required for minor to major accounts?
Date of birth proofs:
Proof of Identity
How many days will it take to convert a minor account to a major account?
Your minor account can be converted into a regular savings account on the same day you apply.
What happens to my ATM card after converting to a major account?
you will get a new ATM card and cheque book after conversion from a minor to a major account.
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