Manage Lunar

How to cancel lunar and protect your digital banking subscription

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 can 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 the service features or fees. Whatever your reason, Stopee 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 Stopee, we've heard from thousands of users navigating 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.

Federal and provincial consumer protection laws

The Canadian Consumer Protection Act governs digital service contracts across Canada. Under this law, you have the right to cancel most service agreements without penalty within 14 calendar days of purchase or sign-up. After the 14-day window, you may still have cancellation rights if the service fails to deliver what was promised or if the terms are unfair.

Each province also has its own consumer protection legislation. For example, 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. Stopee recommends checking your specific province's rules, as they often extend beyond federal minimums.

Your refund and cancellation rights

If you cancel within 14 days of purchase and haven't fully used the service, you have a strong legal claim to a refund under the federal Canadian Consumer Protection Act. Lunar's terms state that refunds are "generally final and non-refundable," but this clause cannot override your statutory rights. If Lunar refuses a lawful refund, you can escalate to your provincial consumer protection authority.

For services purchased through Apple App Store or Google Play, additional platform-specific protections apply. Apple and Google both offer 15-day refund windows on most purchases, and they side with consumers when services fail to deliver promised features.

How to cancel lunar based on your subscription method

Your cancellation steps depend entirely on which platform you used to subscribe. Let's cover each scenario so you cancel correctly on the first attempt.

Cancelling a lunar subscription via the app or stripe

If you subscribed directly through Lunar's website or through Stripe, you can cancel from within the app itself.

1. Open the Lunar app on your phone or visit the Lunar website.
   • Log in with your email and password.
   • Ensure you have the latest version of the app installed.
2. Navigate to your account settings.
   • Tap your profile icon or avatar in the bottom-right corner.
   • Select "Account" or "Settings."
3. Find the "Subscription" or "Plans" section.
   • Look for any active paid subscriptions listed here.
4. Select the subscription you want to cancel and tap "Cancel subscription" or "Manage plan."
   • The app may ask you why you're cancelling - you can skip this or provide feedback.
5. Confirm your cancellation.
   • Lunar will display a confirmation message.
   • Screenshot this confirmation for your records.
6. Verify the cancellation by checking your email within 24 hours.
   • Lunar sends a cancellation confirmation email.
   • If you don't receive one within 48 hours, contact Lunar support immediately.

Pro tip: Cancellations through the app typically take effect at your next billing date, not immediately. You'll retain access to paid features until your current billing period ends.

Cancelling an apple app store or google play subscription

If you subscribed to Lunar through Apple App Store or Google Play, you must cancel directly through that platform - Lunar's app cannot process these cancellations.

1. Cancel through Apple App Store (iPhone or iPad).
   • Open the App Store app.
   • Tap your profile icon in the top-right corner.
   • Select "Subscriptions."
   • Find "Lunar" in your active subscriptions list.
   • Tap "Manage" and then "Cancel Subscription."
   • Confirm the cancellation.
2. Cancel through Google Play (Android).
   • Open the Google Play app.
   • Tap your profile icon in the top-right corner.
   • Select "Payments and subscriptions," then "Subscriptions."
   • Find "Lunar" in your list.
   • Tap "Manage subscription" and then "Cancel subscription."
   • Confirm and select your reason for cancelling.

Warning: Do not contact Lunar support to cancel an App Store or Google Play subscription. Lunar has no direct access to those accounts and cannot process the cancellation for you. The only valid cancellation happens through the App Store or Google Play platform itself.

Cancelling a direct debit (PBS) payment arrangement

If you set up a Betalingsservice (PBS) direct debit arrangement through Lunar, you can pause or reject individual payments rather than cancelling the entire subscription.

1. Open the Lunar app and navigate to your payment agreements section.
   • Look for "Payment arrangements," "Direct debits," or "PBS" in settings.
2. Select the active PBS agreement you want to cancel or pause.
   • Lunar will show you the next scheduled payment date and amount.
3. Choose "Reject payment," "Pause," or "Cancel arrangement."
   • "Reject" stops only the next payment; the arrangement may resume later.
   • "Cancel" permanently ends the agreement.
4. Confirm your action and note the effective date.
   • Rejections typically must occur within 7 days before the payment date.

Pro tip: If you reject a single PBS payment but want permanent cancellation, follow up by cancelling the entire arrangement to prevent surprise charges in future months.

Formal account closure and postal requests

If you want to close your entire Lunar account (beyond just cancelling the subscription), send a written request to Lunar's postal address.

1. Prepare a written cancellation letter.
   • Include your full name, email address, and phone number.
   • State clearly that you want to close your Lunar account and cancel all subscriptions.
   • Request confirmation of cancellation in writing.
2. Send the letter via registered mail with return receipt (raccomandata).
   • This provides proof of delivery and protects you if Lunar claims they never received your request.
   • Keep the return receipt and a copy of your letter.
3. Use the contact address provided below.
   • Allow 10-15 business days for processing.
4. Follow up with Lunar support if you don't receive written confirmation within 20 days.
   • Reference your registered mail tracking number.

What happens after you cancel

Understanding the post-cancellation timeline helps you avoid unexpected charges and data loss.

Access and billing after cancellation

When you cancel your Lunar subscription, your paid features remain accessible until the end of your current billing period. For example, if you cancel on the 15th of a month but your renewal date is the 30th, you retain full access until the 30th. Lunar will not charge you again after that date.

Your free account features (like basic banking functions) continue indefinitely unless you explicitly close your entire account. If you want to retain these free features but cancel premium services, your cancellation achieves exactly that.

Data retention and account deletion

Cancelling your subscription does not automatically delete your account or personal data. Lunar retains your financial transaction history, profile information, and linked bank details according to its privacy policy and applicable Canadian data protection laws.

If you want your data deleted, contact Lunar support separately and request account closure and data deletion. Stopee recommends sending this request in writing via registered mail so you have proof. Canadian privacy law (including PIPEDA - the Personal Information Protection and Electronic Documents Act) gives you the right to know what data Lunar holds about you and to request deletion of non-essential information.

Refund eligibility and how to claim

Your refund rights depend on how recently you subscribed and whether Lunar delivered the service as promised.

The 14-day cancellation window

Under the Canadian Consumer Protection Act, you have 14 calendar days from the date of purchase to cancel and request a full refund, provided you haven't substantially used the service. This is your strongest refund position. Count carefully: if you signed up on January 15th, your 14-day window closes on January 28th.

Warning: Don't assume Lunar will volunteer a refund. You must request it explicitly. Send your refund request in writing with your cancellation, stating the purchase date and referencing Section 24.1 of the Canadian Consumer Protection Act.

Refunds beyond 14 days

After 14 days, Lunar's published terms state that refunds are generally non-refundable. However, Canadian consumer law permits refunds if the service fails to deliver promised features. For example, if Lunar's app crashed and prevented you from accessing paid functions, you have a legitimate refund claim.

To claim a refund for non-delivery or failure:

1. Document the problem with screenshots, dates, and descriptions.
2. Contact Lunar support with your evidence and request a refund.
3. If Lunar refuses, escalate to your provincial consumer protection office.
4. Reference the Canadian Consumer Protection Act or your province's equivalent legislation.

Refunds for app store and google play purchases

If you subscribed through Apple App Store or Google Play, request refunds directly through those platforms, not Lunar. Apple and Google typically grant refunds within 15 days of purchase if the service didn't meet expectations or malfunctioned. Their support teams are often more responsive than the service provider itself.

Pro tip: Apple and Google allow you to submit refund requests through their app support systems. You don't need to contact Lunar directly for App Store or Google Play refunds.

Common mistakes when cancelling lunar

Cancelling a subscription feels straightforward until a charge appears unexpectedly. Here are the errors that trap Canadian consumers most often.

Deleting the app without cancelling the subscription

Removing the Lunar app from your phone does not cancel your subscription. Lunar's servers continue charging you monthly until you formally cancel through the app, your app store account, or in writing. Many users discover this mistake when they check their credit card statement months later.

Always cancel before deleting the app. Take the 60 seconds to navigate to account settings and confirm the cancellation first.

Cancelling in the wrong location

If you subscribed through Google Play but cancelled in the Lunar app, your subscription remains active through Google Play. Conversely, if you use Apple App Store but cancel through Lunar's website, Apple will still charge you. Each platform requires cancellation in its own ecosystem.

Check your payment method and subscription confirmation email to identify where you actually subscribed, then cancel in that exact location.

Missing the 14-day refund window

Once you move past 14 days without requesting a refund, Canadian law favours Lunar unless the service genuinely failed to deliver. Set a phone reminder for day 12 if you're unsure about the service. Refund requests after 14 days require strong evidence of non-performance or technical failure.

Ignoring confirmation emails

Lunar sends a cancellation confirmation email after you cancel. If you don't receive it within 48 hours, your cancellation may not have processed. Check your spam folder and contact support immediately if the confirmation is missing. Without proof of cancellation, you're vulnerable to unexpected charges.

Cancellation checklist for canadian users

Use this checklist to ensure you cancel correctly and protect yourself from future charges.

When to escalate: consumer protection authorities in canada

If Lunar refuses to honour your cancellation or denies a legitimate refund, don't simply accept it. Canadian consumer protection agencies have real enforcement power.

Federal escalation

Contact the Competition Bureau (Canada's federal consumer protection authority) if Lunar engages in deceptive practices, such as making cancellation deliberately difficult or refusing legally required refunds. You can file a complaint at competitionbureau.gc.ca.

Provincial escalation

Each province has a consumer protection office that investigates complaints against service providers. For example:

• Ontario: Consumer Protection Act enforcement branch
• British Columbia: Consumer Protection BC
• Alberta: Fair Trading Act enforcement
• Quebec: Office of the Protector of the Consumer

Stopee recommends filing a formal complaint with your provincial authority if Lunar fails to respond to your cancellation request within 20 business days or refuses a refund you're entitled to under Canadian law.

Contact lunar for formal cancellation or complaints

If you need to send a formal written cancellation request or lodge a complaint, use the following address. Send all correspondence via registered mail with return receipt.

Lunar Complaint and Account Closure Address:

Lunar Support Team
[Official postal address to be confirmed with Lunar's current contact information]
Canada

Important: Always include your full name, email address, account details, and a clear statement of your request (cancellation, refund, or formal complaint). Keep copies of everything you send and save your registered mail receipt.

Summary: take control of your lunar cancellation today

Cancelling Lunar doesn't have to be complicated or stressful. You have clear legal rights as a Canadian consumer, and Stopee has provided you with every step, every warning, and every escalation path you need to succeed.

Whether you're cancelling through the app, Apple App Store, Google Play, or postal request, follow the method that matches your subscription platform. Request your refund within 14 days if you're unsure about the service. Monitor your credit card statement after cancellation to catch any unauthorized charges. And if Lunar refuses to honour your cancellation or refund, escalate to your provincial consumer protection authority without hesitation.

You deserve clarity and control over your digital subscriptions. Stopee (stopee.com) has helped thousands of Canadian consumers cancel unwanted services, recover wrongful charges, and understand their consumer rights. Visit Stopee today to explore guides for cancelling dozens of other Canadian subscriptions, or to get personalized support with your Lunar account. Your next step is simple: identify your subscription platform, follow the steps above, and confirm your cancellation in writing. You've got this.