How do I close my account?
Close all cards first (balances return to your account) → submit at "Account → Close Account" (password + email code) → 24-hour cooling-off period + manual review → balance paid out to the account you provide → account closed. The upstream 60–90 day freeze on closed cards is fronted by platform funds and does not delay your refund. If you only want part of your balance back and plan to keep using the account, use Prepayment Refund instead — no closure needed.
Closing your account isn't as simple as hitting a red "delete account" button. At its core, it's about walking your money back to you along a chain: card limit → platform balance → back to your receiving account, and only after that final leg is done does the account itself get closed. The order can't be reversed—as long as a single active card remains under your name, the balance hasn't been fully consolidated and the account can't be closed. One thing worth flagging: if you only want your balance back and still want the account, you do not need to close anything — Prepayment Refund in the account centre sends it straight to your receiving account. Account closure is the full exit for when you are leaving for good.
Follow this exact order to close your account fully—don't skip a single step
- Close every card under your name, one by one: start the closure from each card's detail page, and once the card's remaining limit is settled it returns to your platform balance. As long as any active card remains, the account can't be closed.
- Check your platform balance: after all cards are closed, the funds consolidate back into your platform balance. Confirm the figure already includes the limits returned from each card before moving on.
- Submit the account closure request in your account settings: it is self-service, requiring your login password plus an email verification code, and you enter the payout account details.
- 24-hour cooling-off period, then manual review: after you submit there is a 24-hour cooling-off window (you can cancel during it), after which the platform confirms the account has no abnormal transactions and no unsettled items and it enters the return process.
- Balance returned: after approval, the funds are sent to the payout account you entered, less a flat $2 platform fee (the transfer fee is already included). Refunds are never made to a bank card or any local payment method.
- Account closed: once the consolidated available balance has been fully returned, the account is locked as closed and can no longer be logged into. The upstream 60–90 day freeze on closed cards is fronted by the platform's own funds, so your balance is returned in one go and you never wait a day extra for it.
The upstream 60–90 day freeze: fronted by the platform, never delaying your refund
Whether you close a single card or close the whole account and take the money out, you never feel this freeze window — the platform fronts it in full either way. The comparison table makes it clear.
| What you're doing | When the remaining card limit becomes available | Impact of the 60–90 day freeze window |
|---|---|---|
| Closing a single card while continuing to use the platform | Returns to your platform balance immediately after settlement | No impact—the platform advances the funds, so you don't wait on the upstream issuer |
| Requesting a prepayment refund (without closing the account) | Funds already in your account balance can be refunded without closing any card | No impact — the platform fronts it, and the payout is sent automatically once the cooling-off period ends |
| Closing your entire account and withdrawing the balance out (less a flat $2 fee) | The entire consolidated balance is returned in one go | No impact — the platform absorbs the freeze period, and the account closure is not held up by it |
The freeze window is an upstream settlement practice, and the platform bears it in both exit scenarios
This freeze window is an upstream settlement practice: when a card has just been closed, it may still carry in-flight transactions that haven't finished settling, and the upstream only releases the funds once all settlement is complete. It stays invisible to you either way: whether the money circulates on the platform or crosses out via a prepayment refund or account closure, the platform fronts it from its own funds and waits on the upstream itself. What can genuinely affect timing is unsettled in-flight transactions on the card (typically 1-7 days, up to 30 in cases such as hotel pre-authorisations) — a different thing entirely from the freeze window.
Before submitting your account closure request, self-check these items
- Whether any active card remains under your name: if even one is left open (including frozen cards and cards in an abnormal state), the closure flow cannot proceed.
- Whether your platform balance already includes the limits returned from all cards: verify the amount before submitting to avoid missing any.
- Whether your balance clears the minimum payout threshold: it requires at least $12 on TRC20 or at least $3 on ERC20; below $3 neither qualifies and the only option is to tick "forfeit the balance," in which case those funds are not returned.
- Have the payout account details ready before you submit: a payout sent to the wrong details cannot be reversed.