20. Provision of transaction history at account closure
20.1 Subject to Article 20.2, Article 20.3, and Article 20.8 at the time of account closure Providers shall, in relation to the account that has been closed, provide one copy of the corresponding Payment Transaction History free of charge to:
20.1.1 any PCA customer (or, in the case of a joint account, any one of the PCA customers) that has closed their account; and
20.1.2 any BCA customer with an annual turnover of less than £6.5 million which has closed its account;
who has not opted out of receiving such information.
20.2 Providers are not required to provide a Payment Transaction History covering any payment transaction that occurred five or more years prior to the date of account closure and shall provide it for a shorter period of time if requested to do so by the customer.
20.3 Notwithstanding Article 20.1, Providers are not required to provide a Payment Transaction History to a PCA or BCA customer who:
20.3.1 retains onli
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