Are you tired of the constant notifications or simply want to move your finances to another platform and need to know how to delete your PalmPay account permanently? Closing a fintech account in 2026 can feel like a maze, but I am going to show you the exact steps I used to wipe my data and ensure my BVN was no longer linked to their system. Whether you are worried about security or just want to deactivate your PalmPay account for personal reasons, this guide provides the fastest, most reliable methods to get it done today.
How to Delete PalmPay Account Permanently in 2026
To delete your PalmPay account, you must follow a specific sequence because the app does not currently have a single button in the settings to do it yourself. You need to contact the official support team via email or the in-app chat to request a permanent manual deletion of your profile and data records.
- Clear your balance: Transfer every kobo out of your PalmPay wallet to another bank account.
- Repay all loans: Ensure your Flexi Cash or any outstanding credit is fully paid to avoid legal issues.
- Unlink your cards: Manually remove any saved debit cards (ATM cards) from the app settings.
- Send a formal request: Email the PalmPay customer support email (support@palmpay.com) with the subject “Permanent Account Deletion Request.”
- Confirm Deletion: Follow the verification prompts sent by the agent to finalize the process and wait for confirmation.
If you prefer a more visual way to manage your financial apps, you can always check the latest updates on the Google Play Store to see if a new “Delete Account” feature has been added to the latest version of the app.
Things You Must Do Before Closing Your PalmPay Account
Before you close your PalmPay account, you need to be very careful. Once the account is gone, it is gone forever, and accessing your transaction history for tax or legal reasons will be impossible. I always tell my friends to treat this like a digital “moving out” process where you check every drawer before locking the door.
Withdraw Your Funds Completely
PalmPay will not allow you to close an account that has a positive balance. Even if it is just 10 Naira, transfer it out. If the amount is too small to transfer to another bank, consider buying airtime for a friend to empty the wallet completely. Do not leave money behind.
Settle Outstanding Flexi Loans
One of the biggest reasons users find it hard to deactivate a PalmPay account is an unpaid loan. If you owe money on Flexi, the system will keep your account active to track debt recovery. Pay it off first and wait 24 hours for the system to update before sending your deletion request.
Remove Linked Bank Cards and Accounts
Go to your profile, select “Bank Cards,” and delete every card. While PalmPay is highly secure, it is a great practice to leave no digital footprints behind when exiting a platform. Your financial security is your responsibility and removing cards prevents any accidental subscriptions or charges.
Detailed Methods to Delete Your PalmPay Account
There are three main ways to handle this in 2026. I have tested these, and the email method remains the most effective for a “permanent” result rather than just a temporary deactivation of the app.
| Method | Speed | Effectiveness | Requirement |
|---|---|---|---|
| Email Support | 24-48 Hours | High (Permanent) | Registered Email |
| In-App Chat | Instant/Live | Medium | App Access |
| Phone Call | 10-20 Mins | High | Airtime/Mobile |
How can I delete my PalmPay account via Email?
This is the “Gold Standard” for account closure. By sending an email, you create a paper trail that can be used as evidence if the account is not closed properly. Send an email to support@palmpay.com or the Data Protection Officer at dpo@palmpay-inc.com.
Use this template for your email:
Subject: Formal Request to Permanently Delete My PalmPay Account – [Your Phone Number]
Dear PalmPay Support Team, I am writing to formally request the permanent deletion of my PalmPay account associated with the phone number [Insert Number]. In accordance with the Nigeria Data Protection Regulation (NDPR), I exercise my Right to Erasure. Please delete my personal data, BVN linkage, and transaction history from your active servers. I have cleared my balance and repaid all loans. Please confirm once the process is complete.
How to close PalmPay account using the In-App Chat
If you have the app open right now, you can talk to a representative. Open the PalmPay app and tap on the “Me” section. Look for “Customer Service” and initiate a chat. You will likely start with a bot. Keep typing “Speak to a human agent” until a real person joins the chat. Tell them clearly: “I want to delete my account permanently.” They will ask for your reason; just tell them you are no longer interested in the service.
Using the Customer Care Line
If you are not the “email type” of person, you can call them directly at 02018886888. Ensure you are calling from the phone number registered with the account. The agent will verify your identity by asking for your full name and perhaps your date of birth. Never give out your PIN or CVV to any agent over the phone, as legitimate agents do not need them to close your account.
Can I Delete My PalmPay Account Without Customer Care?
Many users ask how to delete PalmPay account without customer care, but currently, there is no automated button to do this. This is common with many financial institutions to prevent accidental deletions or unauthorized access. However, you can effectively “ghost” the account by removing all cards, clearing your balance, and uninstalling the app. While this doesn’t delete the data on their server, it stops all activity. For true permanent deletion, you must contact support.
PalmPay Account Hacked Recovery and Support
If your reason for wanting to leave is because your PalmPay account was hacked, you must recover it before deleting it. If a scammer has access, they could take loans in your name that you will be held responsible for. You should immediately contact the PalmPay hacked recovery support email at support@palmpay.com with the subject “URGENT: ACCOUNT HACKED.” Once you regain control, follow the deletion steps mentioned above to close the account for good.
The Difference Between Deactivating and Deleting
It is important to know the difference so you don’t make a mistake. When you deactivate PalmPay account, you are essentially “pausing” it. You can usually log back in later and reactivate it with your phone number. However, when you delete a PalmPay account permanently, the record is wiped. You will lose your transaction history, and if you ever want to use PalmPay again, you might have to go through a fresh KYC process with your BVN.
Why Is It Hard to Delete Fintech Accounts?
You might find the process a bit slow. This is because banks are required by law to keep financial records for a certain number of years (often 5 to 7 years) to prevent money laundering. Even if your “active” account is deleted, a ghost record of your transactions remains in their backup archives for regulatory compliance. This is normal and happens with all banks in Nigeria to stay compliant with CBN regulations.
How to Ensure Your BVN is Safe
Your BVN is not “stored” in a way that PalmPay can use it once the account is closed. They use it for identity verification through NIBSS. Once your account is closed, the link between your BVN and that specific PalmPay wallet is severed, allowing you to use your BVN for other digital banks without any technical issues or “duplicate account” errors.
Frequently Asked Questions
How long does it take to delete a PalmPay account?
Usually, the process takes between 24 hours to 7 working days. If you send an email, you should get an initial response within a few hours, but the internal “wiping” of the data takes a bit longer to process through their system.
Will deleting the app delete my account?
No, simply uninstalling the app from your phone does not delete your PalmPay account. Your data, linked cards, and any outstanding loans will remain active on their servers. You must follow the formal deletion process to be safe.
Can I open another PalmPay account with the same number later?
Yes, but you will have to wait for a cooling-off period. After your account is closed, the system might take a few weeks to completely clear your phone number from the “active” database before you can sign up again.
What happens to my PalmPoints when I delete my account?
All PalmPoints, coupons, and rewards are forfeited the moment your account is deleted. They cannot be converted to cash or transferred to another user, so use them up or buy airtime before you leave!
Is there a fee for closing my PalmPay account?
No, PalmPay does not charge a fee for account closure. It is your right as a consumer to close your account at any time for free, provided you do not owe any money on their credit platforms like Flexi Cash.
Can I delete my account if I lost my SIM card?
This is tricky. You will need to recover your SIM card first or go through a rigorous identity verification with customer support to prove you are the owner of the account before they can process a deletion request for security reasons.
Final Thoughts on Closing Your Account
Taking control of your digital footprint is a smart move in 2026. Whether you are switching to another app or just simplifying your life, knowing how to delete your PalmPay account permanently gives you peace of mind. Remember to always double-check that your balance is zero and your cards are unlinked before you send that final email. Don’t let your old accounts sit idle with your personal data attached to them.
I hope this guide helped you navigate the process smoothly! If you are looking for other secure banking options, you might want to check out the Central Bank of Nigeria official website for a list of licensed financial institutions to ensure your next choice is fully regulated. Are you moving to a different digital bank, or are you going back to traditional banking?
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