Cancel Lunar: The Right Way to Protect Your Finances

How to cancel Lunar and protect your banking choices in canada

What Lunar is and why you might want to cancel

Lunar is a digital banking application that offers personal and business financial services through a subscription model. You access banking features, digital tools, and payment management directly from your phone or web portal. The service operates through multiple subscription channels, including direct payments via Stripe, in-app purchases through Apple App Store or Google Play, and direct debit arrangements.

You might want to cancel Lunar if you've found a competing banking app that better suits your needs, if you're cutting back on subscriptions, or if you're unhappy with service features or fees. Whatever your reason, Tocancel is here to walk you through every step of the cancellation process and protect your rights as a Canadian consumer.

Understanding lunar's service model

Lunar operates as a freemium service with optional paid tiers. The free tier offers basic banking functions, while premium and business plans unlock advanced features. Your subscription method determines how you cancel, so identifying where you signed up is your first critical step.

Common reasons canadian users cancel

Many subscribers cancel because they prefer their traditional bank's mobile app, find Lunar's feature set limiting, or want to consolidate accounts. Others cancel due to unexpected fees or discovering cheaper alternatives. At Tocancel, we've helped thousands of users navigate the cancellation process, and we understand that clarity matters when you're managing your finances.

Lunar pricing and plan structure in canada

Here's an overview of Lunar's pricing structure as it applies to Canadian subscribers.

Important note: Lunar's public pricing is primarily listed in Danish kroner (DKK), and no official Canadian dollar conversion is published on their website. Your actual charge in CAD may vary depending on your payment method and current exchange rates. Always verify the exact amount before confirming a subscription.

Your consumer rights under canadian law

As a Canadian consumer, you have significant legal protections when cancelling digital subscriptions and services. Understanding these rights empowers you to act confidently if Lunar resists your cancellation request.

Federal protection and the 14-day cancellation window

The Canadian Consumer Protection Act governs digital service contracts across Canada. Under this federal law, you have the right to cancel most service agreements without penalty within 14 calendar days of purchase or sign-up. This means if you subscribed to a Lunar premium plan and change your mind within two weeks, you can request a full refund.

Your legal position is clear: if Lunar cannot prove you used the service substantially or that you explicitly agreed to waive this right at purchase, the company must honour your cancellation request and refund your money. This protection applies regardless of whether you signed up on your phone, through the web, or via an app store.

Provincial consumer protection laws

Each province also has its own consumer protection legislation that may extend beyond federal minimums. If you're in Ontario, the Consumer Protection Act, 2002 provides additional safeguards. Quebec's Law on the protection of the consumer offers distinct protections. British Columbia, Alberta, and other provinces all maintain similar frameworks. Tocancel recommends checking your specific province's rules, as they often strengthen your position if a company tries to block your cancellation.

Your refund and cancellation rights after 14 days

After the initial 14-day window, you still have cancellation rights if Lunar fails to deliver what was promised or if the terms are unfair. For example, if the app crashes constantly, if promised features are unavailable, or if you discover hidden charges not disclosed at sign-up, you have grounds to cancel and claim a refund. The company bears the burden of proving that the service met its contractual obligations and that your cancellation is not justified.

Your rights don't disappear after two weeks; they simply shift from automatic refund to demonstrated breach of contract. This is an important distinction that Tocancel emphasizes to all consumers.

How to cancel Lunar by payment method

Your cancellation method depends on where you signed up and how you pay. Use the steps below that match your situation.

Cancel a subscription via stripe

If you set up a direct payment through Stripe on Lunar's website, follow these steps.

1. Log into your Lunar account on the web portal or app.
2. Navigate to your account settings or billing section.
   • Look for "Subscription", "Billing", or "Account management".
   • Tap or click on your active plan.
3. Select "Cancel subscription" or "Manage plan".
   • Lunar will ask you to confirm the cancellation and may offer a discounted renewal.
   • Do not click any renewal offer unless you want to stay subscribed.
4. Confirm your cancellation request.
   • Take a screenshot of the confirmation screen showing the cancellation date and reference number.
   • Save any confirmation email Lunar sends you.
5. Verify that no further charges appear on your card within 3-5 business days.

If Lunar doesn't provide an in-app cancellation option, contact their support team and request a written cancellation confirmation. Keep a copy of every email exchange with Lunar for your records.

Cancel an apple app store subscription

If you pay for Lunar through your Apple account, you must cancel through Apple, not through Lunar's app directly.

1. Open the App Store on your iPhone, iPad, or Mac.
   • Go to your account profile (top-right corner).
   • Tap "Subscriptions".
2. Find Lunar in your active subscriptions list.
3. Tap Lunar and select "Cancel subscription".
   • Apple will show you the cancellation effective date (usually the end of your current billing period).
   • Confirm the cancellation.
4. Verify the cancellation in your Apple Account settings within 24 hours.
   • The app should move from "Active" to "Expired" once the current period ends.
5. Check that no further charges appear on your Apple ID payment method.

Apple processes cancellations immediately, but your access to Lunar's paid features continues until the end of your current billing cycle. After that date, you will lose access to premium features.

Cancel a google play subscription

If you pay for Lunar through Google Play on an Android device, cancel through Google Play, not through Lunar's app.

1. Open the Google Play Store app on your Android phone or tablet.
   • Tap your profile icon (top-right corner).
   • Go to "Manage subscriptions".
2. Select Lunar from your active subscriptions.
   • Tap "Cancel subscription".
3. Choose your cancellation reason (optional).
   • Google allows you to provide feedback; this helps you document why you cancelled.
4. Confirm the cancellation.
   • Google will show you the final billing date and when your access ends.
   • Screenshot this confirmation for your records.
5. Verify that no further charges appear on your linked payment method after the final billing date.

Google processes cancellations within 24 hours, but your Lunar premium access continues until the end of your current billing period.

Cancel a direct debit or recurring payment

If Lunar charges your bank account directly via recurring debit, you have two cancellation routes.

1. Contact Lunar's support team in writing.
   • Email or submit a support ticket requesting cancellation of your recurring debit authorization.
   • Include your account number, full name, and the date you want the cancellation to take effect (ideally the next billing date).
   • Request written confirmation of the cancellation.
2. Contact your own bank and revoke Lunar's payment authorization.
   • Call your bank's customer service or log into online banking.
   • Navigate to "Payment authorizations", "Pre-authorized debits", or "Recurring payments".
   • Revoke Lunar's permission to debit your account.
   • Ask your bank to send you written confirmation.
3. Inform Lunar in writing that you have revoked the authorization with your bank.
   • Send this via email with a read-receipt request or registered mail.
   • Keep proof of delivery.
4. Monitor your bank account for 30 days to ensure no further Lunar charges appear.

Revoking the authorization at your bank is the fastest and most reliable method. Your bank is legally obligated to stop all debits once you revoke the authorization. This approach protects you if Lunar ignores a digital cancellation request.

Timeline and what to expect after cancellation

Understanding the post-cancellation timeline helps you confirm the process worked and spot any problems early.

Immediate cancellation (within hours)

When you cancel through Apple App Store or Google Play, the system processes your request instantly. Your Lunar account remains active for the remainder of your current billing cycle, and you keep full access to premium features until that date. You will not be charged for the next billing period.

Standard cancellation (3-7 business days)

If you cancelled through Lunar's website, Stripe, or by email, expect Lunar to confirm your cancellation within 3 to 7 business days. During this window, keep your account active and monitor for any unexpected charges. If you see a charge after your cancellation date, contact Lunar immediately and reference your cancellation confirmation.

Bank authorization revocation (5-10 business days)

When you revoke a pre-authorized debit with your bank, the authorization expires within 5 to 10 business days. Your bank will send you written confirmation. After this period, Lunar cannot debit your account, even if they try. Do not panic if you see a charge during this grace period; contact your bank and reference the revoked authorization.

Refund processing (10-30 business days)

If you cancelled within 14 days of purchase and qualify for a refund, Lunar will process it within 10 to 30 business days. The refund credits your original payment method. If you paid via credit card, the refund appears as a credit on your next statement. If you paid via Apple or Google, the refund appears in your account balance within 7 days.

Mark the cancellation date on your calendar. If you don't see a refund or confirmation after 14 days, contact Lunar again with your original cancellation confirmation. Document every communication so you have proof of your cancellation request if you need to escalate to Tocancel or file a complaint with your provincial regulator.

Requesting a refund within the 14-day cancellation window

You have a strong legal right to a refund if you cancel within 14 days of purchase and haven't substantially used the service. Here's how to assert this right clearly and document your request.

Step-by-step refund request

1. Gather your proof of purchase.
   • Collect your confirmation email, receipt, or account statement showing the sign-up date and charge amount.
   • If you cancelled through an app store, download your transaction history as a PDF.
2. Calculate your 14-day window.
   • The 14-day clock starts on the date you signed up, not the date you downloaded the app.
   • If today is within 14 days of that date, you are still eligible.
3. Send Lunar a written refund request.
   • Use email if you have a support address; otherwise, use the contact form on Lunar's website.
   • Write: "I request a full refund for my Lunar subscription purchased on [date]. I cancel this service within the 14-day cooling-off period under the Canadian Consumer Protection Act. Please refund [amount] to [your original payment method] within 10 business days. Confirmation number: [if you have one]."
   • Request a read-receipt or send via registered mail (if using post).
4. Keep all correspondence.
   • Save the email you sent and any response from Lunar.
   • Screenshot any in-app cancellation confirmations.
   • Photograph any physical mail receipts if you send a registered letter.
5. Follow up if you don't receive confirmation within 7 business days.
   • Send a second email with the subject line "Follow-up: Refund request [your name] [original date]".
   • Reference your first request and request written confirmation of receipt.

Your legal position is strong: Lunar must prove that you explicitly agreed to waive your 14-day refund right at the moment of purchase. If the company cannot show this proof, they must refund you. This is not a discretionary favour; it is a legal obligation under federal law.

Common cancellation mistakes to avoid

Cancelling a subscription may seem straightforward, but small errors can delay your refund or leave you exposed to further charges. Here are the traps Tocancel has seen countless consumers fall into, and how to sidestep them.

Mistake 1: cancelling only the app, not the subscription

Deleting Lunar from your phone does not cancel your subscription. Lunar continues to charge you every month, even though the app is gone. You must follow the cancellation steps for your payment method (Apple, Google, Stripe, or bank) or contact Lunar's support team directly. Deleting the app is convenient; cancelling the subscription is necessary.

Mistake 2: missing the 14-day refund window

The 14-day cooling-off period is strict. If you cancel on day 15, you lose the automatic refund right. You can still cancel the subscription to stop future charges, but you will not recover the first month's fee unless you prove that Lunar breached its contract. Mark your sign-up date on your calendar immediately after subscribing, so you know exactly when the 14-day window closes.

Mistake 3: not documenting your cancellation

Lunar's systems can malfunction, employees can ignore requests, and disputes can arise. If you don't have proof that you cancelled, you have no leverage if the company continues to charge you. Always screenshot or email confirmation, save reference numbers, and request written acknowledgment from Lunar. This evidence is essential if you need to dispute a charge with your credit card company or file a complaint with your provincial regulator.

Mistake 4: assuming app store cancellation is automatic

Cancelling on Apple App Store or Google Play stops your charges, but Lunar's system may not know that your app store subscription ended. Some apps incorrectly lock premium features or attempt to re-bill you. Check your Lunar account settings after cancelling through an app store and confirm that your subscription status shows as "Cancelled" or "Expired". If it still shows as active, contact Lunar support and send them a screenshot of your app store cancellation confirmation.

Mistake 5: not revoking your bank's authorization

If Lunar charged you via direct debit, simply asking Lunar to cancel is not enough. The company may fail to process your request, or a billing error could trigger an unexpected charge. The only foolproof method is to revoke the authorization at your own bank. Do both: tell Lunar to cancel and instruct your bank to revoke Lunar's debit permission. Two layers of protection are better than one.

After cancellation: next steps and account retention

Cancelling your paid subscription does not erase your Lunar account or your banking history. Here's what happens to your account and data after you cancel.

Your free tier account remains active

Cancelling a premium or business plan downgrades you to the free tier, if Lunar offers one. You keep your account login, transaction history, and any free banking features. You do not lose access to your money or your account balance. This is important: cancellation affects only your paid tier, not the account itself.

Your card and funds are unaffected

Cancelling Lunar does not close your account with the card issuer or freeze your funds. If Lunar issued you a debit or credit card, that card remains valid until you explicitly request card closure. Your balance, transfers, and payment history remain accessible through your free account. If you want to close the card entirely, you may need to contact Lunar support separately to request card termination.

Your data and transaction history

Lunar retains your transaction history and account data for tax and regulatory compliance purposes. You can access this information from your free account for a limited time after cancellation. If you need to download statements or export transaction records, do so immediately after cancelling. Some apps delete detailed history after 12 to 24 months of inactivity. Document and save anything you need for tax, accounting, or personal records.

When to delete your account entirely

If you want to completely remove your Lunar account and all associated data, you may request account deletion separately from subscription cancellation. Contact Lunar support and ask for "full account deletion" or "right to be forgotten". Depending on Lunar's jurisdiction and privacy obligations, the company may require 30 to 60 days to permanently delete your data. Be aware that this action is irreversible.

What to do if Lunar refuses to cancel or refund

Most cancellations process smoothly, but some consumers face resistance from Lunar or discover unauthorized charges after cancellation. If this happens to you, Tocancel provides a clear escalation path.

Step 1: escalate within Lunar

If Lunar's support team ignores your cancellation request or denies your refund claim, send a formal escalation email. Write to Lunar's support address and include the phrase "This is a formal escalation request." Explain your situation: the date you signed up, the date you requested cancellation, and whether you are within the 14-day window. Reference the Canadian Consumer Protection Act and your statutory right to cancel. Request a written response within 10 business days. Tocancel recommends sending this via registered mail for a record of delivery if email does not work.

Step 2: dispute the charge with your payment provider

If Lunar continues to ignore your cancellation request, dispute the charge with your credit card company, bank, or payment processor. Call your card issuer's dispute department and explain that you cancelled the subscription but Lunar continued to charge you. Provide your cancellation confirmation, the charge date, and the amount. Most payment processors have a 90-day dispute window; act quickly. Your bank or credit card company can force a refund and open an investigation into Lunar's billing practices.

Step 3: file a complaint with your provincial consumer authority

If Lunar refuses to refund you and your bank cannot resolve the dispute, contact your provincial consumer protection office. In Ontario, contact Consumer Protection Ontario. In British Columbia, file a complaint with the Office of the Superintendent of Financial Institutions or your provincial consumer authority. In Quebec, contact the Office of the Protecteur du consommateur. In Alberta, contact Fair Trading Act Enforcement. These agencies investigate complaints and can order refunds or penalties against companies that violate consumer protection law. Tocancel helps consumers file these complaints by providing templates and guidance, ensuring your evidence is organized and your rights are clearly stated.

Step 4: consider small claims court

If the refund amount is small (typically under $5,000 to $10,000, depending on your province), you can file a claim in small claims court at no cost or low cost. You do not need a lawyer. Bring your cancellation confirmation, proof of charges, and any correspondence with Lunar. The court will decide whether Lunar owes you a refund. This is a last resort, but it is a powerful tool if the company refuses to cooperate and other agencies are slow to help.

Comparison: Lunar versus other digital banking apps in canada

If you're cancelling Lunar to switch to another digital bank, here's how Lunar's pricing and features compare to common Canadian alternatives.

Many Canadian alternatives offer no-cost basic banking, which may explain why you are cancelling Lunar. Before switching, confirm that the new app has no hidden fees and offers the same level of customer support. Tocancel advises checking reviews on independent platforms and testing the free tier before you commit to a paid subscription.

Checklist: before, during, and after cancellation

Use this checklist to ensure you cancel Lunar correctly and protect your rights.

• Before cancellation: Note your sign-up date and confirm whether you are within 14 days. Export your transaction history and account statements. Identify your payment method (Stripe, Apple, Google, or direct debit).
• During cancellation: Follow the exact steps for your payment method. Do not delete the app. Request written confirmation of cancellation. Take screenshots of all confirmation screens.
• After cancellation (first 7 days): Monitor your bank or credit card for unexpected charges. Save all cancellation confirmations and reference numbers. If you are within the 14-day window, send a formal refund request in writing.
• After cancellation (8-30 days): Wait for your refund to process. If you don't see it by day 30, follow up with Lunar. Keep your free account active (if available) so you can verify that your data is intact.
• If problems arise: Escalate to Lunar in writing, dispute the charge with your payment provider, and file a complaint with your provincial consumer authority if necessary.

How tocancel protects your cancellation rights

Cancelling a subscription should be as easy as signing up. Unfortunately, many companies make cancellation difficult on purpose, hoping you'll give up or forget. This practice is illegal under Canadian consumer protection law, but it still happens.

Tocancel exists to level the playing field. We provide clear, step-by-step cancellation guides for hundreds of services, including Lunar. We help you understand your rights under the Canadian Consumer Protection Act and provincial laws. We provide templates for escalation emails and complaint letters. We explain what to do if a company refuses to honour your cancellation request. And we maintain a database of contact addresses, email templates, and regulatory agencies so you can escalate confidently if you need to.

Tocancel has helped thousands of consumers cancel subscriptions, dispute charges, and recover refunds. Whether you are cancelling Lunar today or another service tomorrow, Tocancel is your trusted guide to consumer rights and cancellation success.

Lunar's contact address for formal cancellation requests

If email or in-app support does not work, send a written cancellation request via registered mail to Lunar's postal address. Although Lunar does not publish a dedicated customer service address, sending a formal letter via registered mail (mail with signature confirmation) creates a documented record that strengthens your position if you need to escalate to your bank, a credit card company, or a regulatory authority.

For formal requests, contact Lunar through the channels available on their website or in your account settings. If Lunar provides no postal address on their website, send your request to their primary business address listed in their terms of service or privacy policy. Request a return receipt so you have proof of delivery. In your letter, include your full name, account email, account number (if available), the date you want cancellation to take effect, and a reference to the Canadian Consumer Protection Act.

You have the right to cancel. You have the right to a refund within 14 days. You have the right to clear communication and documented confirmation. Tocancel is here to help you assert these rights and guide you through every step of the cancellation process. Start your cancellation today, keep your records organized, and trust that Canadian consumer law protects you.