Opening Took Two Minutes. Closing Is Undescribed.

Uninstalling is not closing

Removing the application from a phone ends your access to the account. It does not end the account, does not return a balance, does not delete the identity documents that were handed over, and does not stop messages arriving.

The distinction has a practical edge that catches people out. A phone replaced or a number changed does not close anything either; it simply makes the account unreachable while leaving it open, which is the worst of both positions — the balance persists and you cannot get to it.

Those are separate actions requiring the operator to perform them, which requires a route to ask — and no contact is published. It is a distinction worth drawing clearly, because uninstalling is what most people do and it settles almost nothing.

What closure normally involves

• 1

  A request routeUsually in-app or by email, against a stated procedure. Not published here.

• 2

  A timeframeHow long the operator has to act. Not published.

• 3

  Balance treatmentWhether a remaining balance is paid out first, and whether verification must be completed to release it. Not published.

• 4

  Data deletionWhat happens to documents afterwards — and there is no policy to consult.

The thing that happens if you simply stop

Nothing visible, which is the problem. An account left alone with a balance on it is subject to whatever the operator’s dormancy policy says, and no such policy is published — what normally happens to inactive accounts is worth reading, because the common outcomes include fees and forfeiture.

Where there is no published rule, the outcome is whatever is decided later, and there is no earlier version of the rule to hold anybody to.

There is a second reason abandonment is the worse option. An open account with a balance remains a reason for the product to contact you, and the messages are built to bring people back. Closing ends that; walking away does not, and the pull is aimed precisely at the people who stopped deliberately.

The version of this that is under your control

Withdraw the balance first, then stop. That converts a closure problem into a withdrawal problem, which at least has published terms attached — a minimum, a maximum and two channels, even if the process around them is undescribed.

And apply the payment-side block, which prevents further deposits regardless of whether the account still exists — the controls that work from outside are the reliable half of this. The overview explains the sourcing rule.