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Frequently asked questions
Cancel Lunar Plus: The Right Way
How to cancel Lunar Plus and stop paying £5.99 monthly
Understanding Lunar Plus and your cancellation rights
Lunar Plus is a premium subscription tier offered by Lunar Bank, a digital financial institution regulated by the Financial Conduct Authority (FCA) in the United Kingdom. You pay £5.99 each month to access enhanced features including cashback rewards, priority customer support, and exclusive financial management tools. Under UK consumer law, you retain the absolute right to cancel this subscription at any time without penalty or exit fees. Yafee has compiled this guide to help you navigate the cancellation process with full clarity and confidence, grounded in your statutory protections.
What Lunar Plus includes in your subscription
Your £5.99 monthly payment grants you access to a bundle of premium banking features. These typically comprise elevated cashback rates on eligible purchases, priority access to Lunar's customer support team, advanced financial management tools unavailable on the free standard account, and exclusive member benefits that evolve periodically. If you no longer use these features or find they no longer deliver value, you have every right to downgrade or cancel entirely. Yafee recommends reviewing your last three months of statements to confirm whether you're actively benefiting from the premium tier before you commit to cancellation.
Common reasons customers cancel Lunar Plus
You might decide to cancel for several practical reasons. Perhaps you've switched to another bank offering superior cashback rates, or the £5.99 monthly fee no longer justifies the benefits you actually use. Some customers reassess their spending habits and realise they don't qualify for the highest cashback tiers. Others simply prefer to eliminate recurring charges and revert to Lunar's free standard account. Whatever your reason, the law protects your decision-making autonomy, and Yafee supports you with factual, transparent guidance throughout the process.
Your consumer rights when cancelling Lunar Plus
Before you cancel, understand the legal protections that exist in your favour under UK law. These rights ensure Lunar Plus cannot trap you in unfair cancellation practices or charge you inappropriately after you've ended your subscription.
The consumer rights act 2015 and your protection
The Consumer Rights Act 2015 is your statutory shield when dealing with subscription services in the United Kingdom. Under this legislation, services like Lunar Plus must be performed with reasonable care and skill, and their terms and conditions cannot be unfair or deliberately obscure. The Act explicitly protects consumers who enter continuing contracts for services, which is exactly what you have with Lunar Plus. You cannot be locked into indefinite charges that require unreasonable effort to escape. Furthermore, if Lunar Plus breaches its service quality obligations, you have grounds to challenge charges or seek compensation through the dispute resolution process.
Your right to cancel without penalty
You have the absolute right to cancel your Lunar Plus subscription at any time. Lunar Bank cannot impose exit fees, penalties, or lock-in periods that prevent you from leaving. The only obligation you typically face is paying 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 again on that renewal date. Some digital services offer pro-rata refunds for unused portions of the current month, though this depends on Lunar's specific terms. Yafee recommends checking your cancellation confirmation email for clarity on your final billing date and whether any partial refund applies.
The 14-day cooling-off period for new subscribers
If you subscribed to Lunar Plus within the last 14 days, you may have additional rights under the Consumer Contracts Regulations 2013. This cooling-off period allows you to cancel and receive a full refund of all payments made, provided you haven't fully used the service. However, once 14 days have passed, your right reverts to standard cancellation terms: you cancel at any time, but you forfeit refunds for the current billing cycle. In accordance with these regulations, Lunar Bank must provide you with clear notice of your cooling-off rights at the point of purchase. If you're within this window, act promptly to preserve your refund eligibility.
Your legal position
You can cancel Lunar Plus at any time without penalty. The Consumer Rights Act 2015 protects you against unfair contract terms and lock-in clauses. You are entitled to one final payment for any charges already incurred up to your cancellation date, but no further charges should be applied. If Lunar Plus refuses to cancel your account or continues charging after cancellation, you can escalate your complaint to the Financial Conduct Authority (FCA) or the Financial Ombudsman Service (FOS) at no cost. Yafee emphasises that these protections are statutory rights, not optional courtesies.
Methods to cancel Lunar Plus
Lunar Plus can be cancelled through several channels depending on your preference and the current service options available.
Cancel via the Lunar mobile app
The quickest method is to cancel directly within the Lunar app on your smartphone. Navigate to your account settings, select "Subscriptions" or "Billing," find "Lunar Plus" in your active subscriptions, and select "Cancel Subscription." Confirm your cancellation when prompted. You should receive an on-screen confirmation followed by a confirmation email within minutes. This method leaves a clear digital audit trail, which Yafee recommends for your own records.
Cancel via online banking
Log into your Lunar Bank online account via the website, access your account settings or billing section, and locate your active subscriptions. Select "Lunar Plus" and choose the "Cancel" option. Follow the on-screen instructions to confirm. You will receive a confirmation email immediately. Retain this email as proof of your cancellation request.
Cancel by contacting Lunar customer support
If you encounter technical issues or prefer human assistance, contact Lunar Bank's customer support team directly. You can reach them via the in-app messaging system, email, or phone. Provide your account number and request cancellation of Lunar Plus explicitly. Ask the support representative to confirm your cancellation in writing via email. This creates a documented record that protects you if any future charges occur.
Cancel by post
Although less common, you can request cancellation in writing by post. Send a letter to Lunar Bank's registered address (see the contact details section below) clearly stating your name, account number, and request to cancel Lunar Plus immediately. Use recorded delivery to confirm receipt. Allow 5 to 7 working days for processing. Yafee recommends this method only if other channels are unavailable, as it introduces delay.
How to cancel Lunar Plus step by step
Follow this structured process to cancel your subscription without complications.
- Gather your account information
- Locate your Lunar Bank account number (visible in your app or online banking dashboard)
- Note your email address associated with the account
- Check your current billing date and renewal date (typically shown in the Subscriptions section)
- Choose your cancellation method
- Mobile app: fastest and most convenient for most users
- Online banking: equally secure and leaves a digital record
- Customer support: preferable if you wish to discuss your decision or face technical barriers
- Post: only if other methods are unavailable
- Submit your cancellation request
- Navigate to your subscriptions or billing section
- Select "Lunar Plus" from your active subscriptions
- Click or tap "Cancel Subscription"
- Confirm your request when prompted (you may see a retention offer; decline if you wish to proceed)
- Receive and retain confirmation
- You will see an on-screen confirmation immediately
- Lunar Bank will send a confirmation email within minutes
- Save this email in a dedicated folder for future reference
- The email will state your cancellation effective date and final billing date
- Verify the cancellation took effect
- Wait 2 to 3 working days, then log back into your app or online banking
- Check your Subscriptions section; Lunar Plus should no longer appear as active
- Confirm no further charges appear on your bank statement after your final billing date
- Contact support if charges continue
- If you are charged again after cancellation, screenshot the transaction
- Contact Lunar customer support immediately with proof of your cancellation confirmation
- Request an immediate refund of the erroneous charge
- If unresolved within 8 weeks, escalate to the Financial Ombudsman Service
Pricing and what you currently pay
Understanding your current costs clarifies what you will no longer pay after cancellation.
| Billing element | Amount (GBP) | Frequency | Action on cancellation |
|---|---|---|---|
| Lunar Plus subscription | £5.99 | Monthly | Stops immediately after final billing |
| Lunar Standard account | Free | N/A | Continues after Lunar Plus cancellation |
| Cashback (varies by tier) | Variable | Per purchase | Reduced to standard tier rates after cancellation |
| Premium support access | Included in £5.99 | Monthly | Reverts to standard support only |
What happens after you cancel Lunar Plus
Cancellation triggers several changes to your account; understanding these ensures you're not surprised by reduced functionality.
Your account status after cancellation
Your Lunar Bank account remains open and fully operational. All your funds, transaction history, and personal information are preserved. You simply revert to the free standard account tier, which includes basic banking features, standard cashback rates (typically lower than premium rates), and standard customer support channels. You can reactivate Lunar Plus at any time by navigating to your Subscriptions section and selecting "Upgrade" or "Reactivate."
Changes to your cashback and rewards
After cancellation, your cashback rate drops to the standard tier applicable to free Lunar accounts. If you were receiving 1.5 percent cashback as a Lunar Plus member, you may revert to 0.5 percent or lower depending on Lunar's current standard offer. Any cashback you've already earned remains in your account and is not forfeited. Future purchases will accrue cashback at the reduced standard rate unless you reactivate Lunar Plus.
Access to premium features
Priority customer support access ceases. You retain access to Lunar's standard support channels (in-app messaging, email, phone), but response times may increase and you lose priority queue status. Advanced financial management tools available exclusively to Lunar Plus members become inaccessible. Standard financial tools remain available on the free account.
Final billing and refunds
You are billed one final time on your next scheduled renewal date, covering the period up to your cancellation date. For example, if your renewal date is the 20th of each month and you cancel on the 15th, you are charged on the 20th for the 15-day period you used in that final month. No refund is typically issued for the unused portion unless Lunar's terms explicitly provide for pro-rata refunds, which Yafee recommends confirming in your cancellation confirmation email.
Refunds and what to expect
Refund eligibility depends on when you cancel and the circumstances of your subscription.
Refunds within the 14-day cooling-off period
If you cancel within 14 days of subscribing, you are entitled to a full refund of all charges paid under the Consumer Contracts Regulations 2013. Lunar Bank must process this refund within 14 days of receiving your cancellation request. The refund will be credited to the payment method you used to subscribe (e.g., your debit card or bank account). Check your bank statement 7 to 14 days after cancellation to confirm receipt.
Refunds after the 14-day period
Once the 14-day cooling-off period expires, you lose the automatic right to a full refund. You will be charged one final time on your next renewal date, and no refund applies to future months. However, if you cancel mid-month, some services offer pro-rata refunds for the unused portion. Yafee recommends contacting Lunar customer support to ask whether they provide pro-rata refunds; if they do, you may be eligible for a partial refund calculated on a daily basis.
Disputing an erroneous charge
If you are charged after cancellation, you have the right to dispute the charge. Contact Lunar customer support immediately with your cancellation confirmation email and the erroneous transaction screenshot. Request a full refund. If Lunar refuses, you can file a complaint with your bank's dispute resolution team or escalate to the Financial Ombudsman Service at no cost. The FOS can compel Lunar to refund unauthorised charges plus interest and compensation.
Common mistakes to avoid when cancelling
Cancellation is straightforward, but these preventable errors can cause unnecessary frustration.
Not confirming your cancellation in writing
If you cancel via phone or in-app chat without receiving a written confirmation email, you lack proof of your cancellation request. Always ensure you receive and retain a confirmation email containing your cancellation date and final billing date. If support fails to email confirmation, request it explicitly and ask for their response in writing. Screenshot or forward this email to yourself for safekeeping.
Cancelling immediately before your renewal date
If you cancel on the 19th of the month and your renewal date is the 20th, you will almost certainly be charged one final time on the 20th. There is usually a 24-hour grace period, but you cannot rely on it. Cancel at least 2 to 3 days before your renewal date to ensure the cancellation processes in time. Yafee advises checking your account on the day before your renewal to confirm cancellation has taken effect.
Assuming you can cancel without being charged for the current cycle
You cannot cancel retroactively and receive a refund for the current billing cycle if you've already been charged. Cancellation takes effect from the next renewal date onwards. If you cancel on the 15th and are charged on the 20th, you must pay that final charge. You can only avoid this by cancelling before the charge is processed, which requires advance planning.
Not checking for erroneous charges after cancellation
Monitor your bank statement for 4 to 6 weeks after your final billing date to ensure no further charges appear. Occasionally, system errors result in duplicate charges or delayed processing. If an erroneous charge appears, contact Lunar immediately and request a refund. Yafee emphasises that acting within 8 weeks preserves your right to escalate to the Financial Ombudsman Service if Lunar refuses to refund.
Deleting confirmation emails prematurely
Retain your cancellation confirmation email indefinitely. If a dispute arises months later, this email is your primary evidence that you cancelled. Store it in a dedicated folder or print a physical copy. Digital records can be lost if your email account is compromised, so consider backing up important confirmations to cloud storage or a personal file.
Checklist before and after cancellation
Use this checklist to ensure your cancellation is complete and problem-free.
| Task | Before cancellation | After cancellation | Status |
|---|---|---|---|
| Note your renewal date | Check your app or online banking | Verify no charge appears after this date | Essential |
| Decide on cancellation method | App, online banking, support, or post | Confirm method chosen and executed | Essential |
| Request written confirmation | Ensure you receive a confirmation email | Save this email permanently | Essential |
| Check your bank statement | Know your current charge pattern | Verify no charges appear after final date | Essential |
| Review your account tier | Understand what features you lose | Confirm reversion to free tier | Recommended |
| Contact support for pro-rata refund eligibility | Ask about refund policy before cancelling | Request refund if eligible | Recommended |
Comparison: Lunar Plus versus standard Lunar account
This table clarifies what you gain by subscribing to Lunar Plus and what you forfeit upon cancellation.
| Feature | Lunar standard (free) | Lunar Plus (£5.99/month) | Recommendation |
|---|---|---|---|
| Monthly cost | Free | £5.99 | Free tier wins if you don't value premium features |
| Cashback rate | Standard rate (typically 0.5%) | Elevated rate (typically 1.5%) | Plus wins for high-spending users |
| Customer support priority | Standard queue | Priority queue | Plus wins if you need immediate assistance |
| Advanced financial tools | Limited | Full access | Plus wins for power users |
| Account security features | Standard | Enhanced | Plus wins for high-net-worth users |
| Exclusive member events | No access | Invited | Plus wins if you value community |
Contact details and escalation routes
If you encounter difficulties cancelling or need to escalate a complaint, use these official channels.
Lunar bank customer support
Contact Lunar Bank directly via:
- In-app messaging: Fastest method; access via the Lunar mobile app
- Email: [email protected] (response within 24 to 48 hours)
- Phone: Contact details available in the Lunar app under "Help" or "Contact Us"
Financial conduct authority (FCA)
If Lunar Bank refuses to cancel your account or continues charging after cancellation, report the matter to the FCA. The FCA is the official UK regulator for financial services. You can file a complaint at www.fca.org.uk or contact them at:
- Post: Financial Conduct Authority, 12 Endeavour House, 25 Harrington Street, London E14 9FF
- Phone: 0800 111 6000 (Monday to Friday, 08:00-18:00)
Financial ombudsman service (FOS)
If Lunar Bank fails to resolve your complaint within 8 weeks, escalate to the Financial Ombudsman Service. The FOS is an independent dispute resolution body that can compel companies to refund charges and award compensation. You can file a complaint at:
- Website: www.financial-ombudsman.org.uk
- Phone: 0800 023 4567 (Monday to Friday, 08:00-17:00)
- Post: Financial Ombudsman Service, Exchange Tower, London E14 9SR
Yafee emphasises that FOS complaints are free and require no legal representation. If the ombudsman rules in your favour, Lunar Bank must comply with their decision.
Why yafee helps you cancel with confidence
Yafee has helped thousands of consumers navigate subscription cancellations across the United Kingdom by translating complex contract law into clear, actionable steps. Your rights under the Consumer Rights Act 2015 are absolute: Lunar Bank cannot trap you in unfair terms, charge you after cancellation, or impose exit fees. This guide grounds every recommendation in statutory law, not opinion. Whether you cancel via the app, online banking, or customer support, Yafee's step-by-step process ensures you retain written proof and avoid common pitfalls. If Lunar Plus no longer serves your financial goals, cancelling takes minutes-and your legal protections guarantee a smooth exit. Yafee supports your financial autonomy every step of the way.