How To Delete, Close or Deactivate Your Kuda Bank Account Easily

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Kuda is a digital bank that offers a variety of banking services, including savings accounts, investment accounts, and loans. If you are no longer using your Kuda bank account, you may want to close or deactivate it. Closing or deactivating your account will help to protect your personal information and prevent fraud.

In this blog post, we will discuss how to close or deactivate your Kuda bank account easily. We will also provide some tips on what to do with your money after you have closed your account.

Reasons Why Customers Close Their Kuda Account 

  • Limited Services: Some customers might find that the range of services offered by the digital bank is limited compared to traditional banks, leading them to close their accounts in search of more comprehensive options.
  • Fees and Charges: High or unexpected fees and charges can be a significant factor in customers deciding to close their accounts. If customers feel that the fees are disproportionate to the value they’re receiving, they might choose to switch to another bank.
  • Poor Customer Support: Inadequate customer service, long response times, or unhelpful interactions can lead to customer dissatisfaction and prompt them to close their accounts.
  • Security Concerns: If customers perceive the digital bank’s security measures as inadequate or if there’s a data breach, it can erode trust and lead to account closures.
  • Account Access Issues: Frequent app crashes, technical glitches, or difficulties accessing their accounts can frustrate customers and drive them to look for more reliable alternatives.
  • Better Offers Elsewhere: If customers find better interest rates, rewards, or incentives at other banks, they might close their accounts with the digital bank to take advantage of those offers.
  • Change in Financial Situation: Changes in a customer’s financial circumstances, such as job loss or relocation, might lead them to close their account for reasons beyond the bank’s control.
  • Lack of Physical Presence: Some customers might prefer the reassurance of having physical bank branches and in-person interactions, which digital banks typically don’t offer.
  • Unsatisfactory User Experience: If the app interface is difficult to navigate, unintuitive, or lacks essential features, it can lead to frustration and account closures.
  • Regulatory Changes: Changes in banking regulations or legal issues might prompt customers to close their accounts if they are not comfortable with the new terms.
  • Personal Preferences: Some customers simply prefer the familiarity and trust associated with traditional banks and decide to close their digital bank accounts for personal reasons.
  • They no longer need the account: If you opened a Kuda account for a specific purpose, such as saving for a vacation, and you have now achieved that goal, then you may no longer need the account.
  • They have found a better bank: If you have found another bank that offers the features and services that you are looking for, then you may want to close your Kuda account and move your money to the new bank.
  • They are unhappy with the bank: If you are unhappy with the way that Kuda is run, such as its fees or customer service, then you may want to close your account and switch to a different bank.
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If you are considering closing your Kuda account, it is important to weigh the pros and cons. If you are unhappy with the fees, lack of features, or customer service, then you may want to consider closing your account. However, if you are happy with the service that Kuda provides, then there is no need to close your account.

How To Delete, Close or Deactivate Your Kuda Bank Account Easily

  • Contact Customer Support: Start by reaching out to Kuda Bank’s customer support. You can usually find their contact information on their website or within the mobile app. Reach out via phone, email, or live chat to initiate the account closure process.
  • Explain Your Request: When you contact customer support, clearly state that you wish to close or deactivate your account. Provide your account details, such as your full name, account number, and any other necessary information to help them locate your account.
  • Reason for Closure: Explain to the customer support representative the reasons why you want to close your account. This information can help them understand your concerns and potentially address any issues you might have.
  • Verification Details: Kuda Bank may require you to verify your identity for security purposes before proceeding with the account closure. Be prepared to provide personal information or documentation to confirm your identity. This could include items like your identification documents, account PIN, or other security measures.
  • Review Terms and Conditions: Customer support might inform you about any outstanding balances, pending transactions, or fees associated with your account. Make sure to clarify and resolve these matters before proceeding with the closure.
  • Follow Instructions: Follow the instructions provided by customer support to complete the account closure process. This might involve filling out forms, sending emails, or taking other specific actions.
  • Confirm Closure: Once the closure process is complete, confirm with customer support that your account has been successfully closed or deactivated. Ask for any confirmation or reference numbers for your records.
  • Dispose of Materials: If you had a physical card or any other banking materials associated with your Kuda Bank account, follow the instructions provided by customer support for safe disposal.

If you are not sure whether or not you should close your Kuda bank account, you can contact Kuda customer support for help. They can help you to weigh the pros and cons of closing your account and make the best decision for your needs.

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What Happens After Closing Your Kuda Account 

Once you close your Kuda bank account, the following will happen:

  • Your account will be deactivated and you will no longer be able to access it.
  • Your money will be transferred to your nominated account or you will be able to withdraw it in cash.
  • Your Kuda card will be deactivated and you will not be able to use it.
  • You will no longer be able to receive Kuda account alerts or notifications.
  • You will no longer be able to use Kuda’s services, such as sending and receiving money, paying bills, or investing.

If you have any outstanding debts, such as overdraft fees or loan payments, you will still be responsible for paying them even after your account is closed. Kuda will send you a letter with the details of your outstanding debts.

If you have any questions about what happens after closing your Kuda bank account, you can contact Kuda customer support for help.


How do I deactivate my Kuda account? 

To deactivate your Kuda account, you should reach out to Kuda Bank’s customer support through the app or their official contact channels. They will guide you through the account deactivation process and may require you to provide certain information for verification.

Can Kuda account be blocked? 

 Yes, Kuda accounts can be blocked under certain circumstances. This could happen due to security concerns, suspicious activities, or other reasons. If you believe your account has been blocked or you need assistance with unblocking it, you should contact Kuda Bank’s customer support for further assistance.

Can I login my Kuda account on another phone?

  Yes, you can typically log in to your Kuda account on another phone, provided you have the Kuda Bank app installed on that device. You will need to use your account credentials (username and password) to access your account. Keep in mind that security measures may be in place to protect your account from unauthorized access.

How do I open another Kuda account?

 To open another Kuda account, you would need to follow the account opening process as you did for your initial account. This might involve downloading the Kuda Bank app, providing the required personal information, verifying your identity, and agreeing to the terms and conditions. Make sure to use a different email address and phone number if you’re opening a new account.

Can Kuda account be deleted?

 Kuda Bank may offer an account closure or deactivation option, but the exact process for deleting an account might vary. If you wish to delete your Kuda account, you should reach out to their customer support for guidance. They will provide you with information on how to proceed and any requirements for account deletion.


In conclusion, closing or deactivating your Kuda Bank account is a straightforward process that can be accomplished with the right steps and communication. As digital banking continues to evolve, Kuda Bank offers customers the flexibility to manage their accounts efficiently and make decisions that align with their financial preferences. By initiating contact with Kuda Bank’s customer support, explaining your reasons clearly, providing necessary verification details, and addressing any outstanding matters, you can navigate the account closure process with ease. 

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