Manage Balance

How to cancel balance and protect your couple's finances

What is balance and who should cancel

Balance is a couples budgeting and account-linking app designed to help partners manage shared finances and see transactions in one place. The service offers both monthly and annual subscription plans, letting you connect multiple bank accounts and track unlimited transactions together.

You might find Balance useful if you and your partner want a shared financial dashboard with straightforward budgeting tools. However, if you've decided it's not right for your relationship, your budget, or your financial priorities, cancelling is straightforward once you know where to look.

Balance pricing in new zealand

Balance displays pricing in USD on its official pages, though local NZD pricing may vary depending on your app store and current exchange rates. Below are the standard plans as commonly listed.

Keep in mind that different apps named "Balance" exist in app stores, so confirm you're looking at the couples budgeting version before cancelling. Exchange rates mean your NZD charge may differ slightly from the USD amount shown.

Why you might want to cancel balance

Cancellation decisions are personal, and Stopee recognises that what works for one couple may not work for another. Here are common reasons people choose to cancel.

When cancellation makes sense

You might cancel if you've found a budgeting app that better suits your relationship's needs, if you're managing finances separately now, or if the subscription cost no longer fits your household budget. Some couples cancel after a break-up or if they prefer manual budgeting spreadsheets instead.

Others cancel because they're not using the app regularly enough to justify the monthly charge, or they've moved to a different financial institution that Balance doesn't support well.

What to do before you cancel

Before you tap "cancel", take a few practical steps to protect your financial record. Export or screenshot important transaction history, budget notes, or shared goals you want to keep-Balance's data retention follows its privacy policy, and you may lose access to this information after your subscription ends.

Talk to your partner if you share the account, since cancelling will remove both of your access to the shared view. Stopee advises checking your next billing date so you can cancel at the right time and avoid unexpected charges.

How to cancel balance on your device

The cancellation process differs slightly depending on whether you subscribed via Apple's App Store, Google Play, or Balance's web platform. Follow the steps that match your setup, and remember to cancel at least 24 hours before your renewal date to avoid the next charge.

Cancel balance on iPhone or iPad (App store)

Apple handles all billing for App Store subscriptions, so you'll manage your cancellation through your Apple ID settings rather than inside the Balance app itself.

1. Open the Settings app on your iPhone or iPad.
2. Tap your Apple ID name at the very top of the screen.
   • You'll see options like "Subscriptions" and "Media & Purchases".
3. Tap Subscriptions to view all your active subscriptions.
   • This shows every app or service you're currently paying for.
4. Find and tap Balance in the list.
5. Tap Cancel Subscription and follow the on-screen prompts to confirm.
   • Apple will ask you to confirm your reason for cancelling (optional).
   • You'll receive an email confirmation once the cancellation is processed.
6. Verify that the status has changed to "Subscription Renewed on [date]" if it's still active, or "Expired" if already cancelled.

Pro tip: Set a calendar reminder for at least two days before your next billing date. This gives you a safety window to cancel without accidentally being charged.

Warning: Cancelling your subscription stops future charges but does not trigger an immediate refund for the current billing period. Your access continues until that period ends.

Cancel balance on android (Google play)

Google Play manages Android subscriptions, and you'll cancel through the Google Play app rather than Balance itself.

1. Open the Google Play app on your Android phone or tablet.
2. Tap your profile icon in the top-right corner.
   • This shows your Google account details.
3. Tap Payments & subscriptions.
   • You'll see a menu with several options including "Subscriptions".
4. Tap Subscriptions to see all active recurring charges.
5. Find Balance and tap it to open the subscription details.
6. Tap Cancel subscription, then follow the prompts to confirm.
   • Google may offer a brief retention option or discount before you cancel.
   • Confirm your cancellation when prompted.
7. Verify the status shows "Cancelled" once the process is complete.

Warning: If you cancel within 30 days of your initial purchase and request a refund through Google Play, Balance may be able to submit a refund request on your behalf. Contact Balance support to ask if you're eligible.

Cancel balance on the web (via stripe)

If you subscribed directly through Balance's website, your payment is processed via Stripe, and you'll cancel through your Balance account settings.

1. Open a web browser and go to the Balance app or website, then sign in with your account details.
2. Navigate to your Profile or Account settings.
   • Look for a menu option labeled "Settings," "Account," or "Billing."
3. Find Account Status or Subscription settings.
4. Tap or click Cancel subscription.
   • Balance will show your current billing period and renewal date.
5. Follow the on-screen prompts to confirm your cancellation.
   • You may be asked to provide feedback about why you're leaving.
6. Look for a confirmation message or check your email for a cancellation receipt.

If you run into trouble or don't see a cancellation button, contact Balance support directly through the app or website contact form. Stopee recommends keeping your confirmation email for your records.

Understanding your refund rights

New Zealand consumer law and platform-specific rules determine whether you're eligible for a refund when you cancel Balance. The answer depends on where and when you purchased your subscription.

Refund eligibility by platform

Balance's refund policy and your consumer rights

Balance's terms state: "We do not offer refunds except as required by law." This means refunds depend on platform rules, legal requirements in your jurisdiction, or specific circumstances.

Under New Zealand's Consumer Guarantees Act (CGA), you have the right to a refund if a service fails to meet the standard of care a reasonable consumer would expect, or if it's unfit for purpose. If you believe Balance has breached these rights, you can raise a complaint with Balance support first, and escalate to the Commerce Commission if they refuse to respond or help.

Pro tip: If you're requesting a refund on Google Play or Stripe and you're within the 30-day window, ask Balance support in writing to submit the refund request. Keep copies of your correspondence in case you need to escalate to the platform or the Commerce Commission later.

What happens after you cancel balance

It's easy to feel uncertain once you've hit the cancel button, so here's exactly what to expect in the days and weeks that follow.

Your access and billing

When you cancel, your subscription stops renewing, but your access to Balance remains active until your current billing period ends. For example, if you cancel on 15 March and your renewal was scheduled for 1 April, you'll keep access until 1 April, then lose paid features.

After the billing period ends, you'll no longer be able to use Balance's premium features unless you resubscribe. Your shared account data may be retained according to Balance's privacy policy, but you won't have the ability to view or manage it through the app.

Protecting your financial data

Cancelling Balance means losing access to your shared transaction history and budget insights. Before your access ends, export or screenshot any records you want to keep-transaction lists, shared goals, spending summaries, or notes you've added together.

Balance Aotearoa's data retention practices follow its privacy policy. Stopee recommends downloading or recording anything important while your subscription is still active, rather than waiting until after cancellation when access is gone.

Your consumer rights in new zealand

As a New Zealand consumer, you're protected by specific laws that apply to digital subscriptions like Balance, regardless of where the company is based.

Consumer guarantees act protections

Under the Consumer Guarantees Act 1993 (CGA), every service you pay for in New Zealand must be of acceptable quality, fit for purpose, safe, and delivered within a reasonable time. If Balance fails to meet these standards-for example, if the app crashes constantly, doesn't connect to your bank accounts as promised, or becomes unusable-you have the right to ask for a refund, repair, or replacement.

If Balance refuses to acknowledge a problem or doesn't respond to your complaint within a reasonable time, you can escalate to the Commerce Commission, which is New Zealand's consumer protection authority.

When and how to escalate

Start by contacting Balance support with a clear description of the issue and what you want (refund, repair, or cancellation). Keep copies of all emails and responses. If Balance doesn't reply within 20 working days or refuses your legitimate claim, contact the Commerce Commission's dispute resolution service or make a formal complaint.

Stopee has guided thousands of consumers through similar disputes, and knowing your rights is the first step to getting a fair outcome.

Common mistakes when cancelling balance

Even straightforward cancellations can go wrong if you overlook a small detail. Here are the pitfalls Stopee sees most often, and how to avoid them.

Mistakes that cost you money

Cancelling too late: Your next billing charge may already be pending or processed by the time you cancel. Always cancel at least 24 hours before your renewal date. If you're charged after cancelling, contact the platform (Apple, Google, or Stripe) immediately to request a refund.

Confusing Balance with a different app: Multiple apps with similar names exist in app stores. Confirm you're cancelling the couples budgeting app, not a different "Balance" service, or you might cancel the wrong subscription and still be charged for the one you wanted to quit.

Forgetting to export your data: Once your access ends, you cannot retrieve transaction history or budget data you didn't save beforehand. Take screenshots or export your records before the final billing date passes.

Mistakes in communication

Cancelling through the app instead of the platform: If you subscribed via Apple or Google, cancelling inside the Balance app doesn't work-you must cancel through Apple Settings or Google Play. Stopping the app or deleting it does not cancel your subscription or stop charges.

Not keeping confirmation records: After you cancel, save your confirmation email or a screenshot of the cancellation confirmation. If Balance charges you again by mistake, you'll need proof that you cancelled.

Checklist before and after cancelling balance

Use this checklist to make sure you've covered every step and won't face surprise charges or data loss.

When to keep balance or explore alternatives

Cancelling isn't always the right choice. Here's how to decide whether Balance deserves another chance or whether it's time to move on.

Reasons to keep balance

If you and your partner are actively using the app, communicating about shared finances, and finding the budgeting features helpful, the monthly or annual cost is likely worth it. Many couples find that the transparency Balance provides reduces financial conflict and builds trust.

If you're only cancelling because you forgot about the subscription, a quick reconnect with the app might remind you why you signed up. Give yourself a week to re-engage before deciding to cancel.

Reasons to cancel and alternatives

If Balance doesn't integrate with your bank or regularly fails to sync, cancellation makes sense. Alternatively, you might explore other couple budgeting apps, shared Google Sheets, or traditional spreadsheets that don't require a subscription. Some couples prefer separate budgets with monthly check-ins instead of shared tracking.

The best financial tool is one you'll actually use together. If that's not Balance, cancelling and switching to something that fits your relationship better is the right call.

Contact details and cancellation address for balance

While Balance Aotearoa does not explicitly list a dedicated cancellation postal address, you can reach support through the app or website if you encounter problems during cancellation or have questions about your account.

For web cancellations, the in-app settings should provide a support contact form or email. For app-based cancellations (Apple or Google), you'll manage the process directly through those platforms' settings, and they handle customer service for billing issues.

If you're escalating a consumer complaint about Balance under the Consumer Guarantees Act, you can contact the Commerce Commission directly at www.comcom.govt.nz if Balance doesn't resolve your issue within a reasonable timeframe.

Next steps: take control of your subscriptions with stopee

Cancelling Balance is straightforward once you know the right steps and timing. The key is acting early, saving your data, and confirming the cancellation through your payment platform-not just inside the app.

If you're managing multiple subscriptions and worry about forgetting renewal dates or getting trapped by unwanted charges, Stopee has helped thousands of New Zealand consumers cancel services, understand their rights, and avoid billing surprises. Whether you need step-by-step guidance, help drafting a refund request, or advice on escalating a complaint, Stopee's resources and support are here to empower you.

Cancel with confidence, and remember: your financial privacy and peace of mind are worth protecting.