Closure

Yesterday was a public holiday in the UK so I took the opportunity to have a long weekend in Prague. The weather was excellent, Friday afternoon's rain had finished when I landed and the rest of the time was warm, even hot, and sunny.

I managed to meet up with some old friends and make some new ones. The Prague beer festival was on at Letnany, so I made a pilgrimage there. The beers were good and the company was great but the festival hasn't got the 'buzz' I was expecting. I would give it another try in future, but probably not next year.

When I left Prague I kept up my Czech bank account, which still had a reasonable amount of money in it. Since then I have used that account for our food, drink, transport and mobile phone credit on all of our trips to the Czech Republic. The debit card expires later this year so I decided that the simplest thing to do would be to withdraw my money and close the account on this trip.  

This was a simple task, but one which reminded me how bureaucratic things can be in the Czech Republic. 

On Monday morning I left my friend's flat and went to the nearest branch of the bank armed with my debit card, passport and most recent statement. I took a ticket and queued for a while before seeing a clerk. He looked at the statement, tapped into his computer, stared at the screen and said "you need to go to your home branch to close the account." I had spent 20 minutes and achieved nothing.

The home branch for my account was a 30 minute journey by Metro and tram. I walked in and waited for a clerk to become free. She didn't speak any English, and my Czech is nowhere near good enough to deal with bureaucracy, I can just manage to buy food and beer. The one clerk who spoke English was busy, so I had another 20 minute wait.

Eventually I told the clerk what I wanted. He entered the details into the computer,gave me some forms to sign and said "the account will be closed in 35 days". We had a brief discussion about my options for getting the money and he said the easiest and cheapest solution was to draw out as much money as I could via the ATM, leaving Kc 150 to cover the remaining charges.

If I made a deposit of Kc 63 I could draw Kc 2000, leaving the statutory 150 crowns in the account. I looked at the queue for the deposits and figured this would take another 30 minutes.

Fortunately Czech ATMs will issue small notes, so I was able to draw 1900 crowns.

I handed the debit card to the clerk and he cut it up. I have closure, and in 35 working days the account will also have closure. The whole process was over in just over 90 minutes.

When the account closes there will still be 37 crowns in it, with no realistic way of transferring it to me. I suspect someone in the bank will be maddened by the fact that there will be 37 crowns which has no home. I'm sure it will cost more than 37 crowns worth of an accountant's salary even to think about how they could deal with this homeless money. 

Note: 37 crowns is £1.22, more than enough for a beer in Prague, nowhere enough in England.

My 1900 crowns will probably be enough to cover food and drink for one more weekend.