Banks Get 10 Days to Act on Customer Requests to Close Surplus Accounts in HESAM

Reza Bayat, the Central Bank's director general for information technology, told state TV's "Ruy-e Khat-e Khabar" programme on Tuesday, November 3, 2026 that banks must act within 10 days on customer requests to settle the status of their accounts in the HESAM system. He put the number of bank accounts in the country at about 650 million. Bayat stressed that holding more than 10 accounts is not banned in itself, but a bank must review the need whenever one person's accounts at that bank exceed 10.

Under anti-money-laundering rules, people who have had a dormant or frozen-dormant account since June 21, 2025 cannot open new accounts. To use the system, citizens log in through the national smart-government services gateway, raise their identity verification to level three and enable two-step login. Mehr News also reported the same 10-day deadline, citing the Central Bank official.