Delete an Account

Delete an Account

Deleting an account is meant for accounts you created by mistake, or accounts that were never actually used, not for closing out an account you’ve been tracking for a while. For anything with real history, archiving is the right tool.

Why Deletion Is Limited

Moniqo treats your transaction history as permanent, so it protects you from accidentally erasing financial records. An account can only be deleted if it has no transaction history at all: no transactions, no transfers, no scheduled transactions, and no reconciliation history, with a zero balance. If an account has any activity, Moniqo won’t let you delete it, because doing so would mean losing real financial records rather than simply retiring an account you no longer use.

Steps

1. Open the account and select Delete.
2. Moniqo checks five conditions: no transaction history, zero balance, no transfer links to other accounts, no scheduled transactions, and no reconciliation history.
3. If every condition passes, the Delete Account button becomes available; select it to permanently remove the account.
4. If any condition fails, Moniqo shows which checks didn’t pass and suggests Archive Instead.

What Happens When You Delete an Account

Deleting an eligible account permanently removes it. This cannot be undone, and there’s no way to restore a deleted account afterward. Because deletion is only available for accounts with no history in the first place, this mainly affects accounts created by accident or duplicated by mistake, not accounts you’ve actually used.

Safe Alternatives

If your account isn’t eligible for deletion, you have a few options instead of trying to force it:

• Archive the account, the recommended path for any account with history. See Archive & Restore Accounts.
• Transfer funds out of the account first, then archive it once its balance is zero.
• Reconcile the account to confirm its transaction history is accurate before deciding what to do with it.

Tips

• If you’re unsure whether you’ll ever need the account or its history again, archive rather than delete: archiving can always be undone, deletion cannot.
• Only account owners and admins on a budget can delete accounts.
• Deleting an account you just created by mistake (with no transactions yet) is quick and safe; this is exactly the scenario deletion is meant for.

Common Mistakes

• Expecting to delete an account with months of transactions. This is blocked by design. Archive it instead to preserve your records while removing it from active use.
• Confusing delete with archive. Delete is permanent and only available for empty accounts; archive is reversible and works for any account once its balance is zero.

Next Steps

For accounts with history you no longer need active, revisit Archive & Restore Accounts. To keep your remaining accounts accurate going forward, see Managing Accounts.