The letter from the bank confirming that a client or customer of the bank has secured a line of credit is known as the bank confirmation letter. Also known as the letter of bank confirmation is the official notification released by the bank for their customer in order to approve and verify that their customer has enough credit in his or her account in order to go through a financial transaction or a business deal. Often used in real estate purchase, this letter is presented in front of the seller and it provides the security to the seller that the buyer has enough money to buy the property.

Brief Description of Bank Confirmation Letter:

Unlike old times, now we don’t see as much of the actual paper money but we just have bank statements proving that we have money in the bank accounts. When there is no actual cash in hand, it can create confusion or concern for people in personal and professional lives. For example, you want to buy a house but you can’t show the money to the seller and when there is no actual money, it many create confusion for the seller that if you will be able to afford the house or not. When entering in a business deal or joint business venture, concern parties may ask the new partner to provide some kind of evidence that he has enough finances to support his or her part in the deal. This is where the bank confirmation letter comes handy.

This is a letter that is sent by the bank in order to approve or confirm that the said client or customer has secured a line of credit with the back and he has the ability to go through the deal with the other parties. When you want to buy a house, you need to present this confirmation letter to the seller so that he can make sure you will be able to buy the house. The bank confirmation letter doesn’t indicate towards the final decision of the client that if he has decided to buy the real estate property or not but it simply confirms that if the buyer decides to buy the property, he has enough credit.

Sample Bank Confirmation Letter


Henry Emerald


National bank

New York, NY 53422


Tom Mason

43F, 1st avenue

Broadway Street, New York

Date: 15 August 2015

Subject: confirmation letter for the line of credit


Dear Mr. Mason,

This letter is sent to you in reference with the inquiry you made on 7 August 2015 regarding your bank statement.

I am writing this letter in order to confirm that your account at our bank is fully operational and there is no problem or issue regarding this account. On a separate note, we have also decided to accept your request regarding the mortgage that you requested 2 weeks ago. Please consider this letter as the confirmation for your mortgage application as well.

As per your request, we also confirm that you are operating this account at our bank for more than 3 years and other than couple of clerical errors on our side related to your credit payments, there haven’t been any complaints. I hereby also confirm that you are fully eligible to buy the property that you described in the application letter.

Yours sincerely,


Henry Emerald


National bank

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