How To Deactivate, Close or Delete Branch Account

Are you looking to deactivate, close, or delete your Branch account? If so, you’ve come to the right place. In this blog post, we’ll cover the steps you need to take to deactivate, close, or delete your Branch account. We’ll explain the differences between the three and outline the instructions you need to follow in order to close your account quickly and easily. So, keep reading to learn how to manage your Branch account.

Why you might want to deactivate, close or delete your Branch account 

There are several reasons why you may choose to do so. Let's take a look at some of them:

  1. Privacy concerns: If you're concerned about your personal information being stored or shared, closing your Branch account can provide peace of mind.
  2. Inactivity: If you haven't been using your Branch account and no longer find it useful, closing it can help declutter your online presence.
  3. Security: If you suspect any unauthorized activity or potential security breaches, it's important to close your account to protect your sensitive information.
  4. Changing financial institutions: If you've switched banks or financial institutions and no longer need your Branch account, closing it can help simplify your finances.
  5. Lack of features: If you find that the features offered by Branch are not meeting your needs or expectations, closing your account and exploring other options may be a better choice.

Remember, each individual has their own unique reasons for wanting to deactivate, close, or delete their Branch account. It's important to evaluate your specific circumstances and decide what's best for you.

How To Deactivate, Close or Delete Branch Account

If you've made the decision to deactivate, close, or delete your Branch account, it's important to understand the steps involved in the process. To help you navigate through it smoothly, here's a step-by-step guide:

  1. Sign in to your Branch account: Visit the Branch website or open the mobile app and log in using your username and password.
  2. Navigate to account settings: Once you're logged in, locate the account settings section. This can usually be found in the profile or settings menu.
  3. Select the closure option: Look for the option to deactivate, close, or delete your account. Click on it to initiate the process.
  4. Confirm your decision: You may be asked to confirm your decision before proceeding. This is to ensure that you're certain about closing your account.
  5. Follow any additional instructions: Depending on the platform, you may need to provide additional information or follow specific instructions to complete the closure process. Make sure to carefully read and follow all the prompts.
  6. Verify closure: After following all the necessary steps, you will receive a confirmation message indicating that your Branch account has been successfully closed.

Remember, it's important to consider the implications of closing your account, such as any remaining balance or pending transactions. Take the time to review your account and make any necessary arrangements before proceeding with the closure.


How do I close my Branch loan account?

To close your Branch loan account, follow these steps:

  1. Open the Branch app on your mobile device. 
  2. Log in to your account using your registered phone number. 
  3. Navigate to the loan section, where you can view your active loans. 
  4. Select the loan you wish to close. e. Review the loan details and confirm your intent to repay it. f. Make the necessary payment to clear the outstanding balance.

Once you've paid off your loan, your Branch loan account will be considered closed. Ensure that you receive a confirmation of your repayment for your records.

How do I reopen my Branch account?

If your Branch account has been closed or suspended, you may need to reach out to Branch's customer support for assistance. Account reactivation policies may vary, but typically, you'll need to:

  1. Contact Branch customer support through the app or their official website. 
  2. Explain the reason for wanting to reopen your account.
  3. Follow any instructions provided by Branch's support team, which may include identity verification or addressing any outstanding issues.

Remember that the ability to reopen your account depends on the specific circumstances surrounding its closure.

Read Also: How To Deactivate, Close or Delete Easemoni Account

Why did my Branch account close?

There could be several reasons why your Branch account was closed or suspended:

  1. Failure to repay loans: If you didn't meet your loan repayment obligations, Branch might close your account due to non-payment.
  2. Suspicious activity: Branch, like any financial institution, monitors accounts for fraudulent or suspicious behavior. If they detect such activity, they may close your account for security reasons.
  3. Violation of terms: If you violated Branch's terms of service or policies, your account could be closed. This might include using false information during the application process or engaging in fraudulent activities.
  4. Inactivity: Some financial apps close accounts that have been inactive for an extended period. Make sure to use your Branch account regularly to avoid this.
  5. Technical issues: Occasionally, account closures can happen due to technical glitches or errors. In such cases, reaching out to Branch's customer support is the best course of action.

What will happen if I don't pay my Branch loan?

If you don't pay your Branch loan on time, several consequences may occur:

  1. Late fees: Branch may charge you additional fees for missing your repayment date. These fees can accumulate and make your loan more expensive.
  2. Negative impact on credit: While Branch may not report late payments to traditional credit bureaus, they could report non-payment to alternative credit reporting agencies, potentially affecting your ability to access credit in the future.
  3. Legal action: In extreme cases, Branch may take legal action to recover the outstanding debt.

It's essential to communicate with Branch if you're facing difficulties repaying your loan. They may offer solutions or alternative repayment arrangements to help you avoid these consequences.

5. Can a loan app deactivate my BVN?

No, a loan app cannot deactivate your Bank Verification Number (BVN). BVNs are issued by central banks and are essential for financial transactions in many countries. Only the bank or institution that issued your BVN can deactivate it, and typically, this would be done for specific legal or regulatory reasons, not by a loan app.


In conclusion, deactivating, closing, or deleting your Branch account is a personal decision that should be based on your individual circumstances. Whether it's concerns about privacy, inactivity, security, changing financial institutions, or a lack of features, there are valid reasons for wanting to take action. 

When it comes to actually deactivating, closing, or deleting your account, the process is relatively straightforward. Simply sign in to your account, navigate to the account settings, select the closure option, confirm your decision, follow any additional instructions, and verify closure. 

After closing your account, it's important to be aware that you will lose access to all the features and benefits associated with your Branch account. Any remaining balance will be refunded to you, and while some personal information may be retained for legal purposes, it will be securely stored and not used for marketing or promotional activities. 

Remember, it's important to carefully consider your decision and make any necessary arrangements before proceeding with the closure

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