Cowdidocs
API ReferenceCurrent account closures

Start closing the caller's current account

Verifies the account is ACTIVE with a zero balance, registers the closure with the custodian bank, and dispatches an OTP to the account holder via SMS. Returns 409 if the balance is not zero, a closure is already in progress, or the account is not in a closable state. After the OTP is confirmed the custodian reviews the request; the account becomes CLOSED only once the custodian approves.

POST
/v1/user/accounts/current/close

Request Body

application/json

Request body for starting a current-account closure

Response Body

application/json

application/json

application/json

application/json

application/json

application/json

curl -X POST "https://example.com/v1/user/accounts/current/close" \  -H "Content-Type: application/json" \  -d '{    "reasons": [      "NO_LONGER_USING"    ]  }'
{  "id": "497f6eca-6276-4993-bfeb-53cbbbba6f08",  "status": "AWAITING_OTP",  "initiated_by": "USER",  "reasons": [    "NO_LONGER_USING"  ],  "created_at": "2019-08-24T14:15:22Z",  "otp_confirmed_at": "2019-08-24T14:15:22Z",  "completed_at": "2019-08-24T14:15:22Z",  "rejection_reason": "string",  "resource_id": "string"}
{  "code": "BAD_REQUEST",  "description": "Bad Request"}
{  "code": "UNAUTHORISED",  "description": "Unauthorised"}
{  "code": "WAITING_LIST",  "description": "User is in the waiting list"}
{  "code": "TOO_MANY_REQUESTS",  "description": "Too Many Requests"}
{  "code": "INTERNAL_SERVER_ERROR",  "description": "Internal Server Error"}