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

Kuda is a digital bank that offers a variety of banking services, including savings accounts, checking accounts, and debit cards. If you are no longer using your Kuda account, you may want to close or deactivate it. This will help to protect your personal information and prevent unauthorized access to your money.

Closing or deactivating your Kuda account is a simple process that can be done online or through the Kuda mobile app. In this blog post, we will walk you through the steps on how to close or deactivate your Kuda bank account easily.

Why You May Want to Close Your Kuda Bank Account

Below are reasons why you might want to close your Kuda bank account. 

  • High fees: If you find that the fees associated with your Kuda Bank account are too high for your liking, it may be a reason to consider closing your account. High fees can eat into your savings and make it difficult to manage your finances effectively.
  • Lack of features: Perhaps you've found that the features offered by Kuda Bank are not meeting your needs. If you're looking for specific banking features that Kuda Bank doesn't provide, closing your account and switching to a bank that offers those features might be the right choice for you.
  • Poor customer service: If you've had a negative experience with Kuda Bank's customer service, it could be a compelling reason to close your account. Having reliable and helpful customer service is essential when it comes to banking, and if Kuda Bank is not meeting your expectations in this area, it may be time to consider other options.
  • Change in financial situation: Your financial circumstances may have changed since you opened your Kuda Bank account. If your income, expenses, or financial goals have shifted, it's essential to evaluate whether Kuda Bank still aligns with your current needs. Closing your account and finding a bank that better suits your new situation could be a wise decision.
  • Personal preference: Ultimately, the decision to close your Kuda Bank account may come down to personal preference. 

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Whether it's a matter of convenience, trust, or simply wanting to try out a different banking institution, you have the freedom to choose what works best for you.

What You Need to Know Before Closing Your Kuda Account

Before you close your Kuda bank account, there are a few things you need to be aware of. 

  1. Resolve Pending Transactions: Before closing your Kuda account, ensure that all pending transactions have been completed and any funds have been transferred out of the account. This will help you avoid any complications or issues arising from incomplete transactions.
  2. Update Your Information: If you have any bills, subscriptions, or direct deposits linked to your Kuda account, make sure to update your payment information with the respective parties before closing your account. This will prevent any disruptions to your financial commitments.
  3. Clear Overdrafts and Outstanding Balances: Ensure that your account balance is at zero or positive before initiating the closure process. If you have any outstanding balances or overdrafts, these should be settled to prevent any negative consequences or potential collection efforts.
  4. Review Terms and Conditions: Take the time to review Kuda's terms and conditions related to account closure. Understanding the specific requirements, procedures, and any associated fees can help you navigate the closure process more smoothly.
  5. Contact Kuda Customer Support: To initiate the account closure process, you'll need to reach out to Kuda's customer support. This can often be done by sending an email or contacting their customer service through the app or website. Prepare the necessary documentation, such as a government-issued ID, as well as a clear explanation for your account closure request.
  6. Verify Identity: Kuda's customer support may request verification documents to confirm your identity before proceeding with the account closure. This is a standard security measure to ensure that the closure request is legitimate.
  7. Explore Alternatives: Consider whether there are any alternatives to closing your Kuda account that could address your concerns or issues. Kuda's customer support may be able to assist you in resolving any problems you're facing.
  8. Allow Processing Time: The account closure process may take some time, ranging from a few days to a couple of weeks. Be patient and responsive to any requests from Kuda's customer support to expedite the process.
  9. Keep Documentation: Throughout the closure process, keep copies of all communication with Kuda's customer support, including emails, confirmation messages, and any other relevant documents. This will serve as a record of your account closure request.
  10. Destroy Physical Cards: If you have a physical Kuda debit card, make sure to destroy it securely by cutting it into multiple pieces before disposing of it. This prevents unauthorized use of the card.

Remember, closing your Kuda account is a significant financial step, so take the time to carefully assess your reasons for closure and follow the necessary steps to ensure a smooth transition.

Steps to Close Your Kuda Bank Account Easily

Closing a Kuda bank account involves a few steps to ensure a smooth and hassle-free process. Remember, before you proceed with closing your account, make sure you have taken care of any pending transactions and transferred your funds to another account.

Here's a comprehensive step-by-step guide on how to close your Kuda bank account:

Step 1: Prepare Necessary Information

Before you begin the account closure process, ensure you have the following information ready:

  • Your Kuda account details (account number, full name, and any other relevant information).
  • A valid government-issued photo ID (e.g., driver's license, passport, or national ID).
  • Your reason for closing the account (optional but helpful for the closure process).
  • Any pending transactions should be resolved and funds transferred out of the account.

Step 2: Contact Kuda Customer Support

There are two main methods to initiate the account closure process: sending an email to Kuda or contacting their customer support through other means, such as their app or website. For this guide, let's focus on sending an email, to kuda support at [email protected]

Step 3: Compose the Email

Write a formal email to Kuda's customer support explaining your intention to close your account. Here's a template you can use as a reference: 

Subject: Request to Close My Kuda Bank Account

Dear Kuda Support Team,

I hope this email finds you well. I am writing to request the closure of my Kuda bank account with account number [Your Account Number].

I have enjoyed using Kuda's services, but due to personal reasons, I have decided to close my account. I kindly request your assistance in this matter.

Enclosed with this email are scanned copies of my government-issued ID (e.g., driver's license) for verification purposes. I have also taken care of any pending transactions and ensured that my account balance is at zero.

I would appreciate your prompt attention to this request. Please confirm the receipt of this email and provide me with any further instructions or documentation that may be required to facilitate the account closure process.

Thank you for your understanding and cooperation.


[Your Full Name]

Step 4: Attach Required Documents

Attach scanned copies or clear photos of your government-issued ID to the email. This is essential for the verification process.

Step 5: Send the Email

Double-check the email for accuracy and completeness. Once you're satisfied, send the email to Kuda's customer support at their designated email address. Make sure to keep a copy of the sent email for your records.

Step 6: Await Response and Follow Up

After sending the email, you should receive a confirmation of receipt from Kuda's customer support. They may also provide you with additional instructions or forms to complete. Follow their guidance closely and provide any requested information promptly.

Step 7: Confirm Account Closure

Once Kuda's customer support has verified your information and processed your request, they will confirm the closure of your account. They might send you a formal notification or confirmation email stating that your account has been successfully closed.

Step 8: Destroy Your Debit Card

If you have a physical Kuda debit card, ensure you destroy it securely by cutting it into multiple pieces before disposing of it.

Closing your Kuda bank account might take a few days to a couple of weeks, depending on the verification process and internal procedures. Make sure to keep an eye on your email for any updates or additional requests from Kuda's customer support.

Remember, while closing your account, Kuda's customer support is there to assist you throughout the process. Feel free to reach out to them if you have any questions or concerns.


How Do I Deactivate My Kuda Account?

To deactivate your Kuda account, you can follow these steps:

  1. Open the Kuda app and tap on the "Profile" icon.
  2. Tap on "Settings".
  3. Scroll down and tap on "Deactivate Account".
  4. Enter your password and tap on "Deactivate Account" again.

Can Kuda Account be Blocked?

Yes, your Kuda account can be blocked if you:

  • Fail to authenticate your account for 30 days.
  • Make a fraudulent transaction.
  • Violate the Kuda terms of service.

If your account is blocked, you will not be able to access your money or make any transactions. You will need to contact Kuda customer support to resolve the issue and have your account unblocked.

How do I open another Kuda account?

You can only open one Kuda account per person. If you want to open another Kuda account, you will need to close your existing account first. To close your account, you can follow the steps above for deactivating your account.

How Do I Cancel My Kuda Card?

To cancel your Kuda card, you can follow these steps:

  1. Open the Kuda app and tap on the "Cards" icon.
  2. Tap on the card you want to cancel.
  3. Tap on "Cancel Card".
  4. Enter your password and tap on "Cancel Card" again.

Your Kuda card will be canceled immediately and you will no longer be able to use it.

Can I Deactivate My Bank Card Online?

Yes, you can deactivate your bank card online through your bank's website or mobile app. To do this, you will need to log in to your account and locate the section for deactivating your card. You will then need to enter your card number and password and confirm your request to deactivate the card.


In conclusion, closing or deactivating your Kuda Bank Account is a simple process that can be done through the app. By following the steps provided, you can easily manage your finances and ensure that your account is securely closed. 

Before initiating the closure process, it's important to review your account, settle any outstanding transactions or fees, transfer remaining funds to another account, and update any automatic payments or direct deposits. 

Additionally, gathering all necessary documentation and being aware of any potential consequences or fees associated with closing your account is crucial. After successfully closing your account, it's important to update your financial information with your new banking institution, monitor your closed account for any final transactions or fees, dispose of any related documents securely, and review your financial goals with your new bank. By following these post-closure actions, you can smoothly transition to your new financial institution and continue managing your finances effectively.

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