Step by stepRequest deletion from inside the app
The in-app flow is the fastest and most secure way to close your account. It takes about a minute.
- 1
Open the Halo app
Sign in with your usual credentials on the device where the account was created.
- 2
Go to Account → Settings
Tap your profile picture in the top-right of the home screen to open your Account, then choose Settings.
- 3
Tap “Delete account”
You'll be asked to confirm your identity with your PIN or biometrics, then to confirm the deletion request.
- 4
We'll process it within 30 days
You'll receive an email confirmation once your request has been logged, and a final email once deletion has completed.
What is deleted
The following information is permanently deleted from our active systems within 30 days of your request being verified.
- Your profile information (full name, photo, address)
- Contact details (email, phone number) not required for regulatory recordkeeping
- App preferences and settings
- Saved beneficiaries and recipient lists
- Push-notification and marketing-communication preferences
- Device identifiers used for in-app authentication
What we are required to keep
As a regulated financial institution, Halo Microfinance Bank Ltd is legally required to retain certain records even after your account is closed.
KYC and identity verification records
The Central Bank of Nigeria requires regulated banks to retain customer identification records for at least five years after account closure (BOFIA, CBN AML/CFT Regulations).
Transaction history and account statements
Banking regulators and the Nigeria Financial Intelligence Unit require that transaction records be retained for at least five years for anti-money-laundering and audit purposes.
Information needed to resolve disputes or chargebacks
If you have an unresolved dispute, complaint, or chargeback when you request deletion, we retain the relevant records until the matter is fully resolved.
Tax and accounting records
Required by the Federal Inland Revenue Service and applicable accounting standards.
Processing time
Within 30 days
From the date we verify your request. You will receive email confirmation when it is complete.
App access
Immediately revoked
You will be signed out across all devices as soon as your request is logged.
Before you delete
Withdraw your funds
Transfer any remaining balance out of your account before requesting deletion. We cannot process a deletion request while a positive balance is held.
Need help?Questions about deleting your account?
Our support team is available Monday–Friday, 9am–5pm GMT. Email us and we'll guide you through the process.
info@myhalobank.com