How To Delete A ZestMoney Account – A Step-By-Step Guide


This article deals with thorough process to delete a ZestMoney account.

These days, there are a lot of platforms that offer loans to make your payment on EMIs. ZestMoney is one among them that gives you loans very quickly and makes your payment processing time significantly less.

But did you know that all these perks come with a few hidden costs and risks? And that’s why you may want to delete the ZestMoney account permanently. Unfortunately, there is no direct way to do so.  

But don’t worry!

In this article, I have explained how to delete your ZestMoney account permanently and some reasons why you would be compelled to do this. 

What Is ZestMoney?

ZestMoney - How to delete a ZestMoney account

ZestMoney is one of the biggest and fastest-growing fintech companies. The service provides a free and quick loan to purchase on EMI. And guess what? To use this service, you need not possess a debit or a credit card. 

The process is entirely done online, and you can make the entire payment in EMIs. Any loan brought on ZestMoney has the fastest clearance rate, and there are no charges for the closure of a loan. 

The platform uses various online banking channels, Artificial Intelligence, and mobile technology to fund the credit requirements of its client base. It also has much financial support from many leading international investors. 

13 Amazing Features Of ZestMoney

Unlike other fintech companies, ZestMoney swears on high-growth businesses as it designs the payment on EMI option for its customers of all categories. A few unique features of this fintech company are:

  1. It provides a 2.5 times growth in AOV (Average order value).
  2. The retention rate is 35%.
  3. The ATS (Automatic Transfer Service) rise rate is 22%.
  4. One of the top-rated EMI service providers.
  5. Hassle-free online operations.
  6. The integration process is swift and straightforward.
  7. EMI can be paid on the app, websites, and stores.
  8. EMI can be availed without a debit or credit card.
  9. The loans are approved instantly.
  10. Opening your account is very easy.
  11. The EMIs are very flexible.
  12. The payment can be made at any time. No pre-payment fines.
  13. The fee structure is transparent.

4 Reasons To Delete Your ZestMoney Account 

Though ZestMoney sounds good with all the features, it might also have some drawbacks. Making a ZestMoney account and obtaining loans to make the payments on EMI, and purchasing anything you like is an extraordinary idea. Still, it is not as impressive as it is.

There might be a few causes that may make you delete your ZestMoney account permanently or close or deactivate it. One of the most influential causes may be spamming. 

Though ZestMoney is secure and protected by keeping all your details confidential, providing your personal and financial information to an online app is not suggested.

Once the loans taken by you are cleared on the platform, I suggest you remove your account details. Furthermore, there is a processing fee for every payment you make, which might add up to a lot.

A few reasons why you should delete your account are:

1. Hidden Costs 

When getting a loan to do your patent on EMI, always read all the details written on the terms and conditions. There are chances for the grace period to get modified without your understanding, which might be noticed as a late fee.

The interest payment for the EMI also should be reviewed carefully, which might lead you to spend more money on the product than the actual price of it. Therefore, credit options are not the best if you want to save more finances. 

2. Overspending

Having a significant credit limitation might tempt you to make impulsive purchases. Under these circumstances, individuals might also have difficulty paying back all the bills on time, directing to late fees from the bank and increased expenses.

Other charges might also get collected on credit cards. Many banks demand an annual maintenance payment, which will increase the price of holding a credit card.

3. Credit Rating

The only method to increase your credit score is by making regular purchases and by paying back the credit payments within the duration. Not paying your payments on time can decrease your credit score. If your credit score is down, it might be hard for you to get a loan. 

4. Results Are Not Immediate

If you are getting a credit card, you are unlikely to get the most beneficial credit card with all perks for the first time.

You will be provided only with the basic plan, and you will have to grow your credit score over the period. If you are looking to reap all the advantages of using a credit card, then you have to notice all the issues linked with utilizing a credit card responsibly.

How To Delete A ZestMoney Account?

As already discussed, there might be many reasons you want to delete your ZestMoney account. So, I have explained a few easy steps to delete your account. 

1. Through The ZestMoney App

To delete a ZestMoney account through the app, follow these simple steps.

  • Firstly, using the app, log in to the ZestMoney account on your phone.
  • At the bottom left corner, click on the “General” button.
  • Keep scrolling to the bottom until you discover the “Billing and Account” option. 
  • On that page, keep scrolling down to locate the “Delete Account” button
  • Click on that button to delete your account permanently. 

Finally! You have deleted your ZestMoney account permanently.

2. Through Web 

To delete a ZestMoney account through the web, follow these simple steps.

  • Go to ZestMoney’s authorized webpage at
  • Sign in to your account by entering your username and passcode.
  • Scroll down to the footing of the screen and click on “Settings.” 
  • Then select “Account.” 
  • Click on “Delete Account.”
  • On the next page, enter your “username and password.”
  • Tap on “Continue.”

Once you have accomplished this, your account will only be deactivated and not deleted. ZestMoney will not delete your account right away. 

The account will be halted for a few weeks. You will have the opportunity to use your account again before it is deleted permanently. An email will also be sent to you to confirm the deactivation process.

3. Through Mail

To delete a ZestMoney account through the mail, follow these simple steps.

  • First, open your email account that is being connected to the ZestMoney account
  • Then, you will need to write a mail to the ZestMoney customer service.
  • The email ID to contact customer service is ‘[email protected].’
  • The subject of the mail can be stated as “Request for Deletion of ZestMoney Account.”
  • In the body of the mail, state why you want to delete your ZestMoney account and request the team deletion of the account.

How To Delete A ZestMoney account If You Forgot Your Password?

Yes, you can delete a ZestMoney account even without having to log in, all you require is to reach the ZestMoney customer care support. To get it done immediately, you will have to go to the customer care support page. 

Step 1 – Go to the ZestMoney Customer Care page through your browser. If you have forgotten your username and password, then you will have to complete an online document stating the reason why you want to delete your account.

Step 2 – You will be given a few choices for the reason why you consider your account has to be deleted. Choose the option that you feel is right for you. Also, make sure to choose the option that you do not remember your password or the username in the menu.

Step 3 – Complete the form by filling out your other details, such as the email address, name, and username of your ZestMoney account. In the comment box, which is at the bottom of the tab of the form, you can also state the other information that you want to include about your account.

Step 4 – Submit the form that you have completed and wait for a reply from ZestMoney customer care support.

Why Did ZestMoney Close My Account? 

There might be many reasons why ZestMoney wants to close your account, even without you knowing. One of those reasons is if they feel that any suspicious financial transactions are happening within your account, they might close it.

Reactivating an account that you deactivated is very straightforward as it only requires you to log in again to your account. But if the deactivated account is deleted, then you will not be able to recover it. 

If ZestMoney disabled your account and you are looking to reactivate it again, you have to reach ZestMoney customer care or mail them saying that you want your account to be reactivated.

Frequently Asked Questions (FAQs)

1. How Can I Delete A ZestMoney Account?

Ans: You can delete your ZestMoney account by either contacting customer care support through an email or by deleting your app directly from the web page or the app.

2. Can I Recover My Deleted ZestMoney Account?

Ans: No, it is impossible to recover a deleted ZestMoney account. But, after deactivating your account, you will be given some time to reactivate it before it is deleted permanently.

3. Can ZestMoney Disable My Account?

Ans: ZestMoney can disable your account, even without you knowing if they feel any suspicious financial transactions are happening within your budget. You can reactivate it by contacting the support team.

4. Why Should I Delete A ZestMoney Account? 

Ans: ZestMoney comes with a lot of drawbacks. Some of the reasons include:

1. Continuous spamming of mail
2. Not secure for financial and personal details.
3. Processing fee for every transaction made


I hope this article has helped you understand the hidden costs and risks of having a ZestMoney account. 

Now, you can smoothly delete your ZestMoney account permanently, even if you have forgotten your Username and Password, by following the above steps. 

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