Cancel Your Simpl Subscription
Simpl is a 'Buy Now, Pay Later' (BNPL) service and a key player in the ecosystem we analyze in our Ultimate Indian FinTech Showdown. However, recent RBI directives have halted some of its core operations, causing widespread service disruptions and user confusion. If you've decided to close your account amidst these changes, this is the definitive guide.
This guide provides the exact steps to clear your dues, close your Simpl account permanently, and understand the impact on your CIBIL score to ensure a clean exit.
How to Permanently Delete Your Simpl Account
Simpl does not offer a self-serve cancellation button; account deletion must be requested via customer support and is permanent.
A Critical Warning: How This Affects Your CIBIL Score
CRITICAL: Do not just close the account. If you have any overdue payments, you must clear them first. A single missed BNPL payment can be reported to credit bureaus as a default and cause a significant, long-lasting drop in your CIBIL score.
This is the single biggest hidden risk of using BNPL services. To understand the full impact and learn how to protect your financial health, read our definitive guide on how subscriptions are damaging your CIBIL score.
Official Account Deletion Steps
In-App Chat Support (Recommended Start)
- 1 Ensure all your pending dues on Simpl are cleared.
- 2 Open the Simpl app and navigate to the customer support section.
- 3 Use the 'Chat with us' option to connect with the support team.
- Request the permanent deletion of your account. Be aware that this action is irreversible.
Email Support & Formal Complaint
Email Support (Escalation)
- 1 Compose an email to support@getsimpl.zendesk.com from your registered email.
- Clearly state your request for the permanent deletion of your account.
RBI Ombudsman (Last Resort)
- 2 If support is unresponsive, visit the RBI Ombudsman website to file a formal complaint against Simpl.
- Provide the details of your complaint regarding the account deletion and submit it to receive a tracking ID.
Smart Simpl Strategies
The Official Escalation Path (When Chat Fails)
If the in-app chat is unresponsive, the next official step is to email their support team directly at support@getsimpl.zendesk.com with a clear subject line like 'Request for Permanent Account Deletion'. This creates a paper trail.
The RBI Ombudsman (The Final Step)
If Simpl support is unhelpful or non-responsive regarding account closure or stuck refunds, your most powerful tool is to file a formal complaint with the RBI Ombudsman. This is a serious regulatory step that the company is obligated to respond to.
Demand a No-Objection Certificate (NOC)
Once your account is successfully closed and all dues are cleared, demand that Simpl provide a formal No-Objection Certificate (NOC). This is your official proof that the account is closed and you have no outstanding liabilities with them.
Pre-Cancellation Safety Checklist for Simpl
Acknowledge the RBI Action
CRITICAL: As of late 2025, the RBI has ordered Simpl to halt unauthorized payment services. This is why the app is not working for transactions. This is not a temporary glitch; it's a regulatory action.
Deletion is PERMANENT and Irreversible
VERY IMPORTANT: Simpl's official policy does not allow for temporary deactivation. You can only request a permanent 'Deletion.' Once your account is deleted, you can never create another Simpl account in the future.
You Must Clear All Dues Before Deletion
You cannot close your account if you have an outstanding bill. You must pay any pending amount in full before they will process your deletion request. Yes, you are still legally obligated to pay your bill even if the service is halted.
Simpl Does NOT Report to CIBIL (But You Still Have to Pay)
Unlike many other BNPL services, Simpl is not registered as an NBFC and does not report your payment history or dues to credit bureaus like CIBIL. However, failing to pay a valid debt can still result in them using collection agencies or taking legal action.
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Get Free NotificationsGot Questions? We've Got Answers.
Why is my Simpl app not working for payments?
Simpl's payment services have been halted due to a directive from the Reserve Bank of India (RBI) for compliance violations. This is a regulatory ban, not a technical error.
How do I permanently delete my Simpl account?
First, clear all your dues. Then, use the 'Chat with us' feature in the app to request permanent account deletion. If they are unresponsive, escalate your request via email to support@getsimpl.zendesk.com.
Can I just deactivate my Simpl account instead of deleting it?
No. Simpl's official policy explicitly states that they do not allow for temporary deactivation. The only option they provide is permanent, irreversible deletion.
My refund from a merchant is stuck in my Simpl account. How do I get it back?
Due to the RBI ban, Simpl's refund process is likely impaired. You must contact their support via chat and email. If they fail to process the refund, your final option is to file a complaint with the RBI Ombudsman.
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