Cancel Lunar Plus: Step-by-Step Guide

How to cancel Lunar Plus and stop paying £5.99 every month

Understanding Lunar Plus and why you might cancel

Lunar Plus is a premium subscription service run by Lunar Bank, a digital financial institution regulated by the Financial Conduct Authority (FCA) in the United Kingdom. You pay £5.99 per month to unlock enhanced banking features including elevated cashback rewards, priority customer support, and exclusive financial management tools. Like any recurring subscription, you have the absolute right to cancel whenever the service no longer delivers value to you.

At Tocancel, we understand that subscriptions can pile up fast. Whether you've switched banks, reassessed your spending, or simply decided the monthly fee isn't worth it anymore, cancelling Lunar Plus is straightforward once you know your rights and the correct steps to take.

What Lunar Plus includes in your subscription

Your Lunar Plus membership gives you access to a bundle of premium banking features. These include higher cashback rates on eligible purchases, faster responses from customer support, advanced financial tools to manage your money, and exclusive member perks that update regularly. The service is designed for customers who want more control and reward from their everyday banking.

However, if you're not actively using these features, or if the £5.99 monthly cost has become an invisible drain on your account, cancellation is the practical choice.

Common reasons you might cancel Lunar Plus

Customers cancel Lunar Plus for several legitimate reasons. You may have switched to another bank offering better cashback rates or lower fees. Perhaps your spending patterns have changed and you no longer qualify for the highest cashback tiers. Some customers find the monthly fee doesn't justify the benefits they actually use. Others simply prefer to downgrade to Lunar's free standard account to eliminate recurring charges. Whatever your reason, your right to cancel is protected by law, and Tocancel is here to guide you through the process with clarity and confidence.

Your consumer rights when cancelling Lunar Plus

UK consumer law gives you strong protections when cancelling subscription services like Lunar Plus.

The consumer rights act 2015 protects you

The Consumer Rights Act 2015 is the primary law protecting you as a consumer in the United Kingdom. Under this Act, all services - including digital banking subscriptions - must be delivered with reasonable care and skill. Your service provider cannot use unfair or deliberately confusing terms to trap you in a subscription. More importantly, the Act explicitly covers continuing contracts for services, which is exactly what Lunar Plus is.

This means Lunar Bank cannot impose unfair exit fees, require unreasonable notice periods, or bury cancellation instructions in unclear terms and conditions. If Lunar Plus breaches its service quality obligations after you've paid, you have grounds to challenge charges or seek compensation through the Financial Conduct Authority.

Your right to cancel without penalty at any time

You have an absolute right to cancel your Lunar Plus subscription at any time without facing exit fees or penalties. Lunar Bank cannot lock you into the service or impose charges simply for deciding to leave. Your only financial obligation is typically to pay for the current billing cycle if you've already been charged.

For example, if you cancel on the 15th of the month and your renewal date is the 20th, you should not be charged for the following month. Tocancel recommends always requesting written confirmation of your cancellation to avoid surprise charges.

The 14-day cooling-off period if you've just subscribed

If you subscribed to Lunar Plus within the last 14 days, the Consumer Contracts Regulations 2013 may give you additional rights. This 14-day cooling-off period allows you to cancel and receive a full refund of all payments made, provided you haven't fully used the service.

After 14 days have passed, your cancellation rights revert to the standard terms, meaning you can still cancel anytime but without an automatic refund for the current month. Check your subscription confirmation email or Lunar's terms to confirm your start date and cooling-off deadline.

Methods to cancel Lunar Plus

Lunar Plus does not publish a detailed public cancellation procedure, so the method you use matters.

How to contact Lunar Plus for cancellation

Because no specific online or app-based self-service cancellation method is currently documented, your most reliable approach is to contact Lunar directly. This protects you by creating a documented record of your cancellation request.

You can reach Lunar Bank through the following channels:

• In-app messaging: If you use the Lunar mobile app, navigate to your account settings and look for a "Help" or "Contact us" option to send a cancellation request directly to the support team.
• Online contact form: Visit Lunar's website to locate their official contact form. Clearly state that you wish to cancel your Lunar Plus subscription and include your account details.
• Email: Contact Lunar's customer support email address (typically found on their website or in previous correspondence) with a clear subject line: "Request to cancel Lunar Plus subscription".
• Phone: Call Lunar's customer service number during business hours and confirm your request to cancel in real time. Always ask for a reference number.
• Postal communication: If digital methods fail, send a formal letter to Lunar's registered address requesting cancellation. Send it by recorded delivery to prove delivery date.

At Tocancel, we recommend combining methods - for instance, send an email and follow it up with an in-app message - to ensure Lunar has no excuse to claim they never received your request.

Documentation you should prepare before cancelling

Gather the following information before you contact Lunar Plus to cancel:

• Your full name as it appears on your Lunar account
• Your account number or the email address linked to your Lunar account
• The date you wish the cancellation to take effect
• A note of any reason you wish to provide (optional, but helpful for feedback)

Having this information ready makes the cancellation process faster and leaves no room for confusion.

Step-by-step cancellation process

Follow these steps to cancel Lunar Plus safely and securely.

1. Log into your Lunar app or account online and note your current subscription details
   • Check your next renewal date
   • Confirm your current plan is Lunar Plus
   • Take a screenshot for your records
2. Choose your preferred contact method from the options above
   • Email is often best because it creates an automatic written record
   • If calling, note the date, time, and the support representative's name
3. Send your cancellation request with clear language
   • Write: "I wish to cancel my Lunar Plus subscription effective immediately" or state your preferred end date
   • Include your full name and account email
   • Request written confirmation of the cancellation
4. Wait for Lunar's response and save all confirmation emails
   • This is your proof of cancellation
   • If you don't hear back within 5 working days, follow up
5. Check your account after the cancellation date to confirm the subscription has been removed
   • Verify no further charges appear after your final billing date
   • If unexpected charges occur, contact Lunar immediately
6. Keep all correspondence for at least 6 months
   • You may need it if a dispute arises over billing
   • Tocancel advises storing screenshots and emails in a dedicated folder

Following this process protects you by creating a clear trail of evidence should any issues arise.

Pricing and billing details for Lunar Plus

Understanding Lunar Plus costs helps you decide if cancellation is the right move.

At £5.99 per month, Lunar Plus costs you approximately £71.88 per year. If you're not regularly using the cashback rewards or priority support, that's money you can reclaim by cancelling and switching to Lunar's free standard account.

What happens after you cancel Lunar Plus

Knowing what to expect after cancellation helps you manage the transition smoothly.

Immediate changes to your account

Once your cancellation takes effect, you will lose access to all Lunar Plus premium features. Your cashback rates will revert to standard tier rates (typically lower), priority customer support access ends, and any exclusive financial tools become unavailable. Your basic Lunar Bank account remains open and fully functional - you simply downgrade to the free standard service.

Any pending cashback rewards earned before cancellation should still reach your account according to Lunar's normal schedule, but confirm this in your final cancellation confirmation.

Final billing and refund expectations

You will be charged for any portion of the current billing cycle you've already used. If you cancel mid-cycle, you typically won't receive a pro-rata refund unless you're within the 14-day cooling-off period or Lunar's terms specifically allow it. Check your cancellation confirmation email for clarity on when your final charge will appear.

Monitor your account for the next 2-3 billing cycles to confirm no further Lunar Plus charges appear. If you notice unexpected charges after your cancellation date, contact Lunar immediately and escalate to the Financial Conduct Authority if Lunar refuses to refund.

Keeping your Lunar bank account after cancellation

Your main Lunar Bank account does not close when you cancel Lunar Plus. You can continue using your Lunar card, transfers, and savings features at no cost. This makes downgrading a practical middle ground if you still value Lunar as your primary bank but want to eliminate the monthly subscription fee.

Tocancel recommends keeping your Lunar account active for at least 30 days after cancellation to ensure no unexpected charges occur and to maintain a clean billing history.

Common mistakes to avoid when cancelling

Cancellation is straightforward, but a few missteps can complicate the process or delay your refund.

Assuming silence means cancellation

It's easy to think that not using your Lunar Plus account means it's cancelled - it isn't. Lunar will continue charging £5.99 monthly unless you explicitly request cancellation. Inactivity does not stop a subscription. Always submit a formal cancellation request and wait for written confirmation.

Cancelling your entire Lunar account instead of just Lunar Plus

If your goal is only to stop paying for Lunar Plus, do not close your main Lunar Bank account. Instead, request to downgrade from Lunar Plus to the free standard tier. Closing your entire account could affect your banking history and payment records, which you want to avoid. Be specific in your cancellation request: say "I wish to cancel my Lunar Plus subscription" rather than "I wish to close my account".

Failing to request written confirmation

Some customers contact Lunar by phone and assume the conversation is enough. Always request written confirmation - via email - of your cancellation. This protects you if Lunar later claims they never received your request or if billing disputes arise. Written proof is your legal safeguard.

Not checking your final bill

After you cancel, review your account statements carefully for 2-3 months. Occasionally, subscriptions continue charging due to system errors or miscommunication. Catching unexpected charges early lets you dispute them quickly and recover your money. Tocancel advises setting a phone reminder to check your account on the expected renewal date.

Forgetting to update automatic payments or linked services

If you've linked Lunar Plus to other apps or services (for example, a budgeting app that tracks your Lunar rewards), remember to update or remove those connections after cancellation. This prevents confusion about your account status and keeps your financial data tidy.

Refunds and dispute resolution

If Lunar Plus charges you after your cancellation date or refuses to refund you, you have clear legal remedies.

Your right to a refund

If you've cancelled within the 14-day cooling-off period, you are entitled to a full refund of all payments made. If Lunar Plus charges you after your confirmed cancellation date, those charges are unauthorized and must be refunded under the Consumer Rights Act 2015. Request the refund in writing (email) and give Lunar 14 days to respond.

How to dispute unauthorized charges

If Lunar refuses to refund unauthorized charges, escalate by contacting your bank or building society directly. Explain that you cancelled Lunar Plus but were charged anyway. Your bank can initiate a chargeback - a formal dispute of the transaction - which forces Lunar to justify the charge or refund you.

Document everything: your cancellation request, Lunar's confirmation (if they provided one), and the unauthorized charge. This evidence strengthens your case.

Escalating to the financial conduct authority

If Lunar fails to resolve your dispute within 8 weeks, or if you're unhappy with their response, you can complain to the Financial Conduct Authority (FCA). The FCA is the regulator overseeing Lunar Bank and has the power to compel refunds and levy penalties against non-compliant firms. Lodge a complaint via the FCA's website or by contacting their consumer helpline. There is no fee for this service.

Using Tocancel's step-by-step guidance reduces the likelihood of disputes, but knowing your escalation routes ensures you're never left without recourse.

Comparison: should you cancel or keep Lunar Plus?

Before you finalize cancellation, consider whether keeping the subscription might still make sense for your situation.

The math is simple: if your monthly spending doesn't generate at least £5.99 in extra cashback rewards, cancelling saves you money. Tocancel helps you make this decision by walking through the facts - and if cancellation is right for you, we guide you through it confidently.

How tocancel makes cancelling Lunar Plus easier

At Tocancel (tocancel.com), we've helped thousands of consumers navigate subscription cancellations across dozens of services. Our mission is to empower you with clear rights information and step-by-step guidance so you can cancel any service without stress or confusion.

We provide:

• Plain-language explanations of your consumer rights under UK law
• Service-specific cancellation instructions and contact details
• Templates for cancellation emails you can adapt and send immediately
• Escalation pathways if a company refuses to cooperate
• Checklists to ensure you don't miss any steps

Whether you're cancelling Lunar Plus today or managing multiple subscriptions, Tocancel puts you in control. Visit tocancel.com to explore guides for hundreds of services and discover how much you can save by eliminating unused subscriptions.

Next steps and contact information

You now have all the information you need to cancel Lunar Plus confidently and protect your rights throughout the process.

Action checklist for cancellation

• Gather your Lunar account details and subscription start date
• Confirm your next renewal date in the app or online
• Draft a cancellation email using the templates and language above
• Send your request via email and one additional channel (phone or in-app message)
• Save all responses and confirmation numbers
• Monitor your account for 2-3 billing cycles after cancellation
• If disputes arise, contact Lunar in writing and then escalate to the FCA if needed

Lunar bank contact information

Because Lunar does not publish a dedicated cancellation address, use the following general contact methods:

• Website: Check lunar.app or lunar.co.uk for the latest contact form and help centre
• In-app support: Navigate to your account settings and select "Help" or "Contact us"
• Email: Look in previous correspondence from Lunar for the support email address, or submit via their website form
• Postal address: Check Lunar's website for their registered UK office address if you need to send a formal letter

For escalation to the regulator, contact the Financial Conduct Authority:

• Website: register.fca.org.uk (to file a complaint)
• Address: Financial Conduct Authority, 12 Endeavour Square, London E20 1JN

Your rights summary

You have the right to cancel Lunar Plus at any time without penalty. Under the Consumer Rights Act 2015, Lunar Bank cannot impose unfair exit fees or hide cancellation procedures. If you've subscribed within 14 days, you may have the right to a full refund. After cancellation, monitor your account for unauthorized charges. If Lunar refuses to cooperate, escalate to the Financial Conduct Authority. Your consumer rights are absolute, and Tocancel is here to help you exercise them.

Start your cancellation process today by drafting an email to Lunar. Tocancel has helped thousands of consumers reclaim money from forgotten subscriptions - now it's your turn.