Are you wondering how to close a dormant bank account online in Nigeria in 2025? You're not alone. Many Nigerians have old or unused accounts that are now classified as dormant, and they’re either tired of SMS charges or simply want to tidy up their finances.
This guide will show you step-by-step how to close a dormant bank account online in Nigeria, without visiting a branch. We’ll cover the types of dormant accounts, what the Central Bank of Nigeria (CBN) says about them, and what documents you need. Whether it's a GTBank, Access Bank, First Bank, Zenith, or any other bank, this article will help you close your dormant account with ease.
What Is a Dormant Bank Account in Nigeria?
A dormant bank account in Nigeria is a savings or current account that has not had any customer-initiated activity for 6 to 12 months (depending on the bank). Once it hits this threshold, the account is flagged as inactive and later becomes dormant.
Common examples include:
Accounts you opened in school but stopped using
Multiple bank accounts you forgot about
An old salary account from a previous job
Inherited accounts or those opened on your behalf
Once dormant, you may not be able to:
Transfer or withdraw money
Use your debit card
Receive inflows unless reactivated
CBN Guidelines on Dormant Accounts in Nigeria (2025)
According to the Central Bank of Nigeria (CBN) 2025 policy update:
Banks must notify customers before classifying an account as dormant
Dormant accounts are moved to a separate ledger
You can reactivate or close your dormant account anytime
Unclaimed funds for 10+ years may be moved to a Trust Fund
This means your money is safe, but you won’t have access until you take action.
Why You Might Want to Close a Dormant Bank Account
If you’re searching for how to close a dormant bank account online in Nigeria, these might be your reasons:
You no longer use the account
You’re being charged SMS or maintenance fees
You want to consolidate to one or two active accounts
The account name or documents are outdated
You’re switching to digital banks or fintechs
Closing it is simple once you follow the steps.
Can You Close a Dormant Account Online in Nigeria?
Yes, many Nigerian banks in 2025 now allow you to close a dormant bank account online, provided you meet their identity verification requirements.
However, the process varies by bank. Some require you to first reactivate the account before you can request closure.
You can close your dormant account through:
The bank’s official email address
Live chat or WhatsApp channels
Mobile banking app (if accessible)
Online complaint forms or secure message portal
How to Close a Dormant Bank Account Online in Nigeria – General Steps (2025)
Here’s the general process to close your dormant bank account:
Step 1: Confirm Dormancy Status
Check if your account is actually dormant. You can:
Log into your mobile app (if accessible)
Contact customer care via phone or email
Dial your bank’s USSD to confirm
Step 2: Contact Your Bank’s Customer Service
Send an email to the official customer support address requesting account closure.
In your message, include:
Your full name (as on BVN)
Account number
Reason for closure
Valid phone number and email
BVN (optional for cross-checking)
Request for confirmation once closed
Step 3: Submit Required Documents (If Requested)
You may be asked to send:
A scanned government-issued ID (NIN, voter’s card, or int’l passport)
A selfie holding the ID
Utility bill (in some cases)
Some banks might ask you to fill a digital account closure form.
Step 4: Wait for Confirmation
Within 3–7 working days, the bank should confirm:
That your account has been closed
That no funds remain in the account
That you won’t be charged anymore
Make sure to save a copy of the email response for your records.
How to Close a Dormant Bank Account Online – Bank-by-Bank Guide (2025)
GTBank (Guaranty Trust Bank)
Email:[email protected]
Reactivation might be required first via their app or email
You may be asked to fill a closure form
Request takes 3–5 working days
Access Bank
Email:[email protected]
Send ID and reason for closure
Can be done fully via email or live chat
You may be required to verify ownership via OTP
First Bank
Email:[email protected]
Dormant account must be reactivated first
Closure request must include your ID
Confirmation comes via email
Zenith Bank
Email:[email protected]
Closure form may be attached as a PDF
NIN verification may be required
Reactivation not compulsory in all cases
UBA (United Bank for Africa)
Email:[email protected]
May request you to use their Leo chatbot or mobile app
Closure is processed in 5–7 days
Fidelity Bank
Email:[email protected]
Straightforward process via email
Can be escalated if response delays
Polaris Bank
Email:[email protected]
Fast closure process (within 48 hours)
No visit to branch required
FCMB
Email:[email protected]
Requires scanned ID and email confirmation
Easy process
Important Notes When Closing a Dormant Account
Ensure there’s no negative balance
Save all email trails for record
Use the official email of the bank only
Remove the bank’s USSD from your SIM if possible
Avoid closing if the account is linked to loans or disputes
Alternatives to Closing a Dormant Account
Instead of closing, you can also:
Reactivate and use it occasionally to keep it active
Use it as a savings vault for emergencies
Link it to fintech wallets like Opay, Kuda, PalmPay to make occasional transfers
Monitor for unwanted charges and complaints
Frequently Asked Questions (FAQs)
Can I close my dormant bank account online in Nigeria?
Yes, many banks now allow you to close your dormant account via email or mobile banking without going to the bank.
Do I need to visit the branch to close a dormant account?
Not in most cases. You can close your account via email by submitting the required documents and identity proof.
What documents do I need to close my dormant account?
You’ll need a valid ID card, possibly a selfie with your ID, and sometimes a recent utility bill.
How long does it take to close a dormant account?
It usually takes between 3 to 7 working days, depending on your bank and whether you met the requirements.
Will I lose my money in a dormant account?
No. Your money remains intact until it is withdrawn or moved after several years as per CBN policy.
Final Thoughts on How to Close a Dormant Bank Account Online in Nigeria (2025)
Closing a dormant bank account in Nigeria is now easier than ever—thanks to email and mobile banking innovations. Whether you’re tired of SMS charges, switching to digital banking, or consolidating your finances, following the right steps ensures a smooth process.
Just confirm your account status, contact your bank’s support, provide the required documents, and wait for closure confirmation. Most importantly, ensure you’re using the official contact channels of your bank to avoid fraud.
If you ever plan to reopen or manage a new account, consider banks that offer low maintenance fees, digital flexibility, and fewer charges.