How long does it take on average to close an account?
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If you mean a bank account at a branch bank, mW a few minutes or the complete settlement then overnight.
And if I cancel it by post?
Then the post term and the days that it takes to lead your termination to the responsible processor will be added. If, however, no longer than a week, the termination is lost.
The longest time the letter will surely be on the way within the bank, and the lost one also referred to it. The balance is transferred directly with the account closing, which does not happen before.
I don't think that after my knowledge, the mail has always been reliable in our region.
My account is a central one and I believe it is in Düsseldorf or in Duisburg.
In addition, it must first prove the remaining balance to another account and only then can the actual account or the old bank account be densified.