How to Permanently Deactivate Jio Payments Bank Account

How to Close a Savings Account Online Using the Jio App

In October 2024, as per the business standards report, Jio Financial Services launched the Jio Finance app and merged the Jio Payments Bank into it, creating a single app for a range of services, including banking, payments, investing, and more. To manage your savings account, you need this app. Many users are looking to close their accounts using the app only.

Let’s begin with the most important fact — the Jio Finance app does not offer any button to directly close or delete your Jio Payments Bank account.

You cannot close it via:

• Jio Finance App
• MyJio App
• Jio Website
• ATM or branch (Jio Payments Bank is digital-only)

You must close it manually by contacting customer care via email or phone. This article gives you the only working process in 2025, verified by real users and actual closure requests.

Why There’s No Closure Option:

Jio Payments Bank is a digital-only bank but doesn’t yet support full self-closure via app due to regulatory and KYC requirements. Until then, email + manual ID verification is the only official route.

What is Jio Payments Bank, and Why Are People Closing It?

Jio Payments Bank is a digital-only bank operated on smartphones only. It is backed by the top company, Reliance Jio, and has received a license from the Reserve Bank of India (RBI). It offers users varieties of services such as –

• A zero-balance savings account
• RuPay virtual card
• UPI payments
• DBT (Direct Benefit Transfer) support
• Integration via the Jio Finance app

However, being convenient and offering lower charges on savings accounts, many users are closing their accounts for reasons like:

• No use case left for the account
• Stopped using Jio SIM or app
• Moved to other digital banks like Paytm, Airtel
• Faced UPI or login issues
• Duplicate accounts with KYC conflicts

Step-by-Step Process to Close Jio Payments Bank Account

Let’s explore the most direct option to close your savings account with Jio Bank –

1 Step – Delink All Active Services

Before you request account closure, ensure:

• You have removed all UPI handles (like @jio) from apps like GPay, PhonePe, Paytm
• Cancelled any running mandates, auto-debits, or loan EMIs linked
• Removed ongoing subscriptions of Amazon, Netflix, JioHotstar and more.
• Transferred your balance to another account (keep balance at ₹0)
• Unlinked FASTag, DBT schemes, and billers, if applicable

This helps avoid errors during closure processing.

2 Step – Send an Official Closure Request via Email

For 2025, there is no self-service portal or outlet for sending closure requests; the only valid option is to send an email. Follow these steps –

• The official emails that Jio Payments Bank offers –
  • we.care@jiobank.in
  • Head.CustomerCare@jiobank.in

1. Simply open your registered email ID inbox.
2. Tap on compose, enter a few required details, such as –
   • I request permanent closure of my Jio Payments Bank account linked to my mobile number “your 10-digit bank-linked number”
   • Full name (as per account)
   • Registered mobile number
   • Account number (if available)
   • Reason for closure (tell why you are closing, such as no need or any hidden charges)

3 Step – Attach Valid ID Proof

An important part of KYC, your account closure request must include one valid ID, such as:

• Aadhaar Card (recommended)
• PAN Card
• Driving License
• Voter ID

Make sure the document is clearly visible, valid, and matches your registered name.

4 Step – How Long Does It Take to Close the Account?

Once your email is sent:

• You will receive a confirmation email within 24–48 hours (ticket ID or response)
• The bank accepts requests within a week and provides you with details first.
• Account closure is usually completed in 4–7 working days
• You will receive a final confirmation email from the bank.

In case you don’t receive a reply in 3–5 days, call customer care at 1800-890-7070.

Note: As per existing users’ suggestion, you have to send this email to both Jio Bank Customer Care Email IDs.

What are the mistakes you should avoid Before Sending a Closure Request

• Not attaching ID proof in the PDF with the email
• Keeping money in the account (leads to pending status). However, the bank will send the remaining amount via cheque to your registered address via post.
• Forgetting to unlink UPI from apps
• Expecting instant closure through the app (not possible)
• Not cancelling auto-debits or FASTag

How to Freeze My Jio Payments Savings Account Instantly

In case you found a fraud or something unusual on your account, you can block your account immediately, call:

• Jio Payments Bank Toll-Free Number: 1800-890-7070

Inform them you want to freeze or disable the account temporarily. They will verify your identity and block access to your account. You can follow up later with the closure request via email.

How to Confirm Your Account is Closed

After successful closure, you can verify:

• UPI ID will stop working (e.g., yourname@jio)
• Log in to the Jio Finance app → You’ll see “Account Inactive”
• RuPay card (if issued) will stop functioning
• No UPI collection or mandate will work
• You’ll receive a final confirmation email

Note: The email and Text SMS will be received within 14 days after successful closure.

BONUS: Unused Account = Silent Risk

Most users uninstall the Jio Finance or MyJio app but never close the account, assuming it’ll auto-deactivate.

But that’s a risky myth.

Leaving your account open can lead to:

• Fraud risk through your UPI handle
• Failed refunds or DBT credits
• Aadhaar is still being linked to an unused account
• KYC rejections when opening new bank accounts
• Inactivity penalties in some digital services

Protect your identity — it’s better to formally close your Jio Payments Bank account if you’re not using it.

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