# How to Close or Delete Bank Accounts in YNAB > The option to Close Account versus Delete Account depends on whether the bank account has transaction history. We recommend closing first, as it maintains... Source: https://support.ynab.com/en_us/how-to-close-or-delete-an-account-in-ynab-ry_409Gko Last updated: 2026-07-29T17:17:05.280Z Learn the difference between closing a bank account and deleting a bank account in YNAB. Decide which option is right for your plan, and then follow the steps below on any of our platforms. #### In This Article [How to Close an Account](#close) [How to Reopen a Closed Account](#reopen) [How to Delete an Account](#delete) #### Not the accounts you were searching for? If you'd like to delete your YNAB **user** account instead of a bank account in YNAB, review [How to Manage Your Subscription](https://support.ynab.com/en_us/how-to-manage-your-subscription-BJXBVDb0q). * * * ## How to Close an Account If an account has **any** transaction history beyond the starting balance, you'll want to close (not delete!) the account in YNAB. This will maintain the history of that account in your plan and move the account to a _Closed Accounts_ section where you can access it again in the future. Is this a **Loan Account**? The flow is slightly different for closing that account type, so you'll want these specific instructions for [How to Close a Loan Account](https://support.ynab.com/en_us/loan-accounts-a-guide-HkNSkPHJi#close). Is this a **Credit Card Account**? Be sure to [hide your Credit Card Payment category](https://support.ynab.com/en_us/handling-credit-cards-overview-ry7cNub1s#process-close) after you've closed the account. ### iOS 1. Tap the _Accounts_ tab. 2. Tap the name of the account you'd like to close. 3. Tap the three dots icon at the top of the screen. 4. Tap _Edit Account_. 5. Tap _Close Account_. 6. If the account balance is above zero, you'll be prompted with a warning that the balance will need to be zeroed out with an adjustment transaction. Tap _Adjust Balance and Close_. 7. YNAB will automatically zero out the balance on the account, which may also remove money from your plan, so be sure to double-check and move money if you need to. 8. The account register itself will move to a _Closed Accounts_ section in the _Accounts_ tab. **If you want to transfer the funds** to another account, click _Cancel_ to return to your account, where you can enter a [transfer transaction](https://support.ynab.com/en_us/transfer-transactions-a-guide-HJOsZz4Jj). Transfer the entire balance, then follow the steps above to close the account. Just a reminder that balance adjustments to on plan accounts may (naturally) impact your plan. If you're closing a savings account with a $100 balance and update today's balance to $0, that $100 will be deducted from Ready to Assign. ### Where will the account go? The account is now closed, but the history will remain in your plan. If you ever need to access the transactions in the account (or reopen it altogether), you can do that by following the steps in the next section! ### What about Scheduled Transactions? [Scheduled Transactions](https://support.ynab.com/en_us/scheduled-transactions-a-guide-BygrAIFA9) will stop occurring in a closed account to ensure they don't affect your plan. The option to add a new scheduled transaction will now be greyed out, but you will still be able to select _enter now_ on existing transactions. To avoid issues with entering these transactions into the closed account (and for some added peace-of-mind) you can opt to delete them completely.  ### Android 1. Tap the _Accounts_ tab. 2. Tap the name of the account you'd like to close. 3. Tap the three dots icon at the top of the screen. 4. Tap _Edit Account_. 5. Tap _Close Account_ at the bottom of the Edit Account window. 6. If the account balance is above zero, you'll be prompted with a warning that the balance will need to be zeroed out with an adjustment transaction. Tap _Adjust Balance and Close_. 7. YNAB will automatically zero out the balance on the account, which may also remove money from your plan, so be sure to double-check and move money if you need to. 8. The account register itself moves to a _Closed Accounts_ section on the _Accounts_ tab. **If you want to transfer the funds** to another account, click _Cancel_ to return to your account, where you can enter a [transfer transaction](https://support.ynab.com/en_us/transfer-transactions-a-guide-HJOsZz4Jj). Transfer the entire balance, then follow the steps above to close the account. Just a reminder that balance adjustments to on plan accounts may (naturally) impact your plan. If you're closing a savings account with a $100 balance and update today's balance to $0, that $100 will be deducted from Ready to Assign. ### Where will the account go? The account is now closed, but the history will remain in your plan. If you ever need to access the transactions in the account (or reopen it altogether), you can do that by following the steps in the next section! ### What about Scheduled Transactions? [Scheduled Transactions](https://support.ynab.com/en_us/scheduled-transactions-a-guide-BygrAIFA9) will stop occurring in a closed account to ensure they don't affect your plan. The option to add a new scheduled transaction will now be greyed out, but you will still be able to select _enter now_ on existing transactions. To avoid issues with entering these transactions into the closed account (and for some added peace-of-mind) you can opt to delete them completely.  ### Web 1. From the **web app**, in the left sidebar, hover your mouse pointer over the name of the account you'd like to close. 2. Click on the edit (pencil) icon to bring up the Edit Account window. 3. If the account has transaction history, the _Close Account_ button will be available (you may need to scroll down). We highly recommend closing accounts when this option is available. It will retain the transaction history for your plan—keeping everything running smoothly. 4. If the account balance is above zero, you'll be prompted with a warning that the balance will need to be zeroed out with an adjustment transaction. Tap _Adjust Balance and Close_. **If you want to transfer the funds** to another account, click _Cancel_ to return to your account, where you can enter a [transfer transaction](https://support.ynab.com/en_us/transfer-transactions-a-guide-HJOsZz4Jj). Transfer the entire balance, then follow the steps above to close the account. Just a reminder that balance adjustments on Cash accounts may (naturally) impact your plan. If you're closing a savings account with a $100 balance and update today's balance to $0, that $100 will be deducted from Ready to Assign. ### Where will the account go? After closing your first account, a new _Closed_ section will be available in the left sidebar—this is where you can find the closed account registers to review transactions or even [reopen an account](#reopen) if you ever need to do so.  ### What about Scheduled Transactions? [Scheduled Transactions](https://support.ynab.com/en_us/scheduled-transactions-a-guide-BygrAIFA9) will stop occurring in a closed account to ensure they don't affect your plan. The option to add a new scheduled transaction will now be greyed out, but you will still be able to select _enter now_ on existing transactions. To avoid issues with entering these transactions into the closed account (and for some added peace-of-mind) you can opt to delete them completely.  [Back to Top](#backtotop) * * * ## How to Reopen a Closed Account If you would like to reopen a closed account for any reason, you can! Was this a **Credit Card Account**? Be sure to [unhide your Credit Card Payment category](https://support.ynab.com/en_us/adding-removing-and-customizing-categories-a-guide-HJFO5j909#hide) once you've reopened the account.   ### iOS 1. Tap the _Accounts_ tab. 2. Tap _\[#\] closed accounts_ at the bottom of the screen. 3. Select the closed account to open the register and review the transactions. 4. To re-open the account, tap the three dots icon at the top of the screen. 5. Tap _Edit Account_. 6. Tap _Reopen Account_. 7. Tap _Reopen_ to confirm. ### Android 1. Tap the _Accounts_ tab. 2. Tap _\[#\] closed accounts_ at the bottom of the screen. 3. Select the closed account to open the register and review the transactions. 4. To reopen the account, tap the three dots icon at the top right of the account register. 5. Tap _Edit Account_. 6. Tap _Reopen Account_. 7. Tap _Reopen_ to confirm. ### Web 1. From the **web app**, expand the _Closed_ account section in the left sidebar. 2. Hover your mouse pointer over the account name you'd like to re-open. 3. Click on the edit (pencil) icon to bring up the Edit Account window. 4. Click _Re-Open Account_ (you may need to scroll down). [Back to Top](#backtotop) * * * ## How to Delete an Account An account can be deleted in YNAB only when it has no transaction history. If the account has **any** transactions (including the starting balance on mobile), the _Delete Account_ button won't appear—you'll see _Close Account_ instead. Once you've closed the account, _Delete Account_ will become available. Unless you added the account by mistake, we recommend closing rather than deleting to preserve your history and avoid unintended effects on your plan. Is this a **Loan Account**? Loan accounts can only be deleted on the web app using the steps below. #### Did you accidentally add an account? If you added an account by mistake—especially one that's already synced and pulled in transactions—you'll need to delete all the transactions in that account first, then follow the steps below to delete the account itself. Keep in mind: if money has moved between this account and others via transfers, deleting those transactions can ripple through your plan. If you're not sure, [tell the chatbot you need a human or send us an email](https://support.ynab.com/en_us/how-to-get-help-SygqcvtC5) before proceeding. ### iOS 1. Tap the _Accounts_ tab. 2. Tap the name of the account you'd like to delete. 3. Tap the Starting Balance transaction to open it. 4. Tap _Show more_. 5. Tap _Delete Transaction_. 6. Confirm by tapping _Delete Transaction_ on the pop up window. 7. Next, close the account: 1. While still in the account tap the three dots icon at the top of the screen. 2. Tap _Edit Account_. 3. Tap _Close Account_. 4. If the account balance is above zero, you'll be prompted with a warning that the balance will need to be zeroed out with an adjustment transaction. Tap _Adjust Balance & Close_. 5. YNAB will automatically zero out the balance on the account, which may also remove money from your plan, so be sure to double-check and move money if you need to. 6. The account register itself will move to a Closed Accounts section in the Accounts tab. 8. While still in the account you'd like to delete, tap the three dots icon at the top of the screen. 9. Select _Edit Account_. 10. Tap _Delete Account_ at the bottom of the Edit Account window. 11. You'll be asked to confirm. ### Android 1. Tap the _Accounts_ tab. 2. Tap the name of the account you'd like to delete. 3. Tap the Starting Balance transaction to open it. 4. Tap _Show more_. 5. Tap _Delete Transaction_. 6. Confirm _Delete_ or _Delete Anyway_ on the pop up menu. 7. Next, close the account: 1. While still in the account, tap the three dots icon at the top of the screen. 2. Tap _Edit Account_. 3. Tap _Close Account_ at the bottom of the Edit Account window. 4. If the account balance is above zero, you'll be prompted with a warning that the balance will need to be zeroed out with an adjustment transaction. Tap _Adjust Balance & Close_. 5. YNAB will automatically zero out the balance on the account, which may also remove money from your plan, so be sure to double-check and move money if you need to. 6. The account register itself moves to a Closed Accounts section on the Accounts tab. 8. While still in the account you'd like to delete, tap the three dots icon at the top of the screen. 9. Tap _Edit Account_. 10. Tap _Delete Account_ from the Edit Account window. 11. You'll be asked to confirm. ### Web 1. From the **web app**, in the left sidebar, hover your mouse pointer over the name of the account you'd like to delete. (If you've closed the account first, you'll need to scroll down to the **Closed** account section to find it.) 2. Click on the edit (pencil) icon to bring up the Edit Account window. 3. If the account has no transaction history (you may need to delete the Starting Balance transaction if it's still there), the _Delete Account_ button will be available (you may need to scroll down). 4. Click _Delete Account_ and follow the prompts to confirm the action. 5. If the _Delete Account_ button **isn't available** yet, close the account using the steps from the [How to Close an Account section](#close) above, and then come back to steps one through four here! [Back to Top](#backtotop) * * * ## Help Us Help You! Our Knowledge Base team reviews article feedback responses weekly, and we actively revise these articles to make them as helpful as possible. That's where you come in! Our articles are scored based on the _Yes_ or _No_ ratings received below. 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