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The real issue with closing an account is the increase in your credit utilization ratio — that is, your debt balance(s) in relation to your credit limit(s).
You may want to keep it around for the decreased utilization, especially if you carry credit card debt or charge large balances each month.
Mr Argarkov's version of the contract contained a 0pc interest rate, no fees and no credit limit.
Every time the bank failed to comply with the rules, he would fine them 3m rubles (£58,716).
Tinkoff has launched its own legal action, accusing Mr Argakov of fraud.
Oleg Tinkov, founder of the bank, tweeted: "Our lawyers think he is going to get not 24m, but really 4 years in prison for fraud.