Account & Data Deletion

You can close your Bayza account and request deletion of your personal data at any time. This page explains how to do it, what gets deleted, and what we are legally required to keep.

Before you start

• Withdraw your money first. Move any remaining wallet, card or IBAN balance out of Bayza before you close your account. If a balance remains, we will try to return eligible funds to you using a method we support, which may require you to pass a final verification.
• Closing is permanent. Once your account is closed you will lose access to it, your cards, your IBAN and your transaction history in the app.

Option 1 — Delete in the app (fastest)

You can request closure and deletion directly inside the Bayza app, without contacting us:

• Open the Bayza app and sign in.
• Go to Profile → Security.
• Tap Close account permanently.
• Confirm with your password to complete the request.

Option 2 — Request by email

If you cannot access the app, email info@bayza.io from the email address on your account with the subject “Account deletion request”. We will verify your identity before acting on the request, to protect your account from fraudulent closure.

What gets deleted

When your request is processed, we delete or anonymise the personal information associated with your account that we are not required to keep, including:

• Your profile details (name, email, phone and address) held for day-to-day account use
• Your app preferences and settings
• Saved recipients and beneficiaries
• Support messages, where not needed for an open matter
• Marketing contact permissions

What we must keep, and for how long

As a money service, we are legally required to retain certain records even after your account is closed — principally your identity-verification (KYC) records and your transaction history — to comply with anti-money-laundering, sanctions, tax and other financial-regulation obligations. These records are kept for the period the law requires, which is typically at least five years after your account is closed and may be longer in specific cases. During this period the records are access-restricted and used only for legal and compliance purposes, and are deleted when the retention period ends.

For full detail on what we hold and why, see our Privacy Policy.

How long deletion takes

We action closure requests promptly. Data we are free to delete is removed within 30 days of your request being verified, except where a shorter period applies. Records subject to legal retention are deleted at the end of the applicable retention period.

Questions

If you need help with closing your account or a deletion request, email info@bayza.io.