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Cancel Complete Save: Step-by-Step Guide
How to cancel Complete savings in ireland and stop recurring charges
Why you might want to cancel Complete savings
Complete Savings is a paid membership programme that offers cashback rewards, retail discounts and monthly bonuses when you shop online. You likely enrolled through a partner retailer's checkout page and received a trial period (typically 30 days) at no cost or a reduced rate. Once that trial expired, your payment card was charged a recurring monthly fee between €15 and €18, depending on your enrolment route and exact signup date.
On your bank statement, this charge appears under a shortened merchant descriptor such as WLY*COMPLETESAVE or CASH.COMPLETESAVE. Many customers miss these entries until several months of billing have accumulated. If you have decided the cashback rewards do not justify the monthly cost, or if you simply forgot you held an active membership, Yafee is here to walk you through a straightforward cancellation process. Understanding your legal position and the exact steps involved puts you back in control of your finances.
Common reasons for cancellation
You are not alone in wanting to stop this recurring charge. Yafee has reviewed hundreds of consumer testimonies, and the most frequent reasons for cancellation include discovering unexpected monthly debits weeks or months after signup, finding that the cashback rewards do not offset the membership fee, or discovering the service no longer matches your shopping habits. Many customers report feeling surprised by the automatic transition from trial to paid membership without explicit reminder or consent confirmation.
What this guide covers
This article explains your consumer rights under Irish law, walks you through every cancellation method available in Ireland, shows you how to claim a refund if you have been overcharged, and highlights common mistakes that delay cancellation. By the end, you will have a clear action plan and the confidence to reclaim control of your subscription.
Your consumer rights under irish law
Ireland's Consumer Rights Act 2022 (which implements the EU Consumer Rights Directive 2011/83/EU) gives you powerful protections when you cancel a subscription service like Complete Savings.
The right to cancel within 14 days
You have the automatic right to cancel any distance contract (including online subscriptions) within 14 calendar days of the date on which the contract is formed, without providing a reason and without incurring any penalty. This is known as your statutory cooling-off period. If you signed up for Complete Savings online and did not receive explicit written confirmation of your right to cancel at the point of purchase, you may have up to one month from the original signup date to cancel penalty-free.
Check the email confirmation you received when you first enrolled. If it does not clearly state your 14-day cancellation right, you have additional time to act without losing money.
The right to a refund
If you cancel within the cooling-off period, Complete Savings must refund all charges you have paid, including any trial fee. The refund must be processed within 14 days of your cancellation notice. If you have already paid for months of membership after the trial ended, each of those charges technically falls outside the cooling-off window. Nevertheless, Yafee recommends requesting a full refund and explaining your position clearly, particularly if you did not receive proper notification of your cancellation rights at signup.
Your legal position
You hold statutory rights under the Consumer Rights Act 2022. If Complete Savings refuses to cancel your subscription or process a refund within 14 days, you can escalate your complaint to the Commission for the Regulation of Utilities (CRU) or, for financial services complaints, the Financial Services and Pensions Ombudsman (FSPO). Both bodies have enforcement powers and can compel refunds if they find the trader has breached consumer law.
How to cancel Complete savings via phone
The phone method is the most direct route to confirm your cancellation and receive a reference number on the spot.
Step one: call the customer service line
Ring Complete Savings' customer service team on 1800 806 167. This is a toll-free number available Monday to Friday from 8 AM to 8 PM and Saturday from 9 AM to 4 PM Irish time. Keep your payment card or email address to hand so the agent can quickly locate your account.
Step two: confirm your identity and request cancellation
- Provide your full name, email address and the payment card ending digits linked to your membership.
- Tell the agent you wish to cancel your Complete Savings membership immediately.
- Ask the agent to confirm the cancellation date and provide a reference number.
- Request written confirmation by email, including the reference number and any refund timeline.
Step three: retain your confirmation email
Once you end the call, check your inbox within 30 minutes for a confirmation email from Complete Savings. This email serves as your proof of cancellation. If you do not receive it within one hour, call the customer service line again and ask for the email to be resent. Save this email to a folder for your records.
How to cancel Complete savings online
If you prefer to cancel without speaking to a representative, the online method via your account portal is available 24/7.
Step one: log into your Complete savings account
Visit the Complete Savings website (or access through your existing login credentials if you enrolled via a partner retailer). Enter your email address and password. If you have forgotten your password, click "Forgot Password" and follow the reset link sent to your inbox.
Step two: navigate to your profile and subscription settings
- Once logged in, click on your profile icon or account menu (usually located in the top-right corner).
- Select "Profile" or "Account Settings" from the dropdown menu.
- Look for a section labeled "Subscriptions", "Membership" or "Billing".
- Click on "Manage Subscription" or "View Active Memberships".
Step three: initiate the online cancellation
You will see your active Complete Savings membership listed with the next billing date and current fee. Click the "Cancel Subscription" or "Stop Membership" button. The system may ask you why you are cancelling; select the option that best reflects your reason or choose "Other" if none fit. Complete the cancellation form and submit.
Step four: confirm and download your cancellation receipt
Complete Savings will display a confirmation message on screen. Your account status will change to "Cancelled" immediately. Download or screenshot this confirmation page and save it to your records. You will also receive a confirmation email within 24 hours; if you do not, log back in and take a screenshot of your "Cancelled" membership status.
How to cancel Complete savings by email
Email cancellation is slower but useful if you have complex questions or wish to include a detailed written record from the outset.
Step one: locate the correct email address
Visit the Complete Savings website and navigate to the "Contact Us" page. Look for a customer service or support email address (typically something like [email protected] or [email protected]). If the website does not provide a direct cancellation email, use the general customer service address.
Step two: draft a clear cancellation email
Write a brief email with the following information:
- Your full name.
- Your email address linked to the account.
- The payment card ending digits (last four digits only).
- A clear statement: "I request cancellation of my Complete Savings membership effective immediately."
- The phrase "Please confirm receipt and provide a cancellation reference number."
Step three: send and await confirmation
Send your email from the address linked to your Complete Savings account. Complete Savings is legally required to respond and confirm cancellation within 14 days under the Consumer Rights Act 2022. In practice, most traders respond within 3-5 working days. Save the email chain in a dedicated folder.
Pricing and billing information
Understanding what you are paying helps you identify missed cancellations and claim refunds accurately.
| Billing element | Typical cost (EUR) | Notes |
|---|---|---|
| Trial period | Free or €1-€2 | Usually 30 days; converts to paid membership automatically. |
| Monthly membership fee | €15-€18 | Recurring charge; varies by partner retailer. |
| Cashback rewards | Varies | Typically 1-5% on partner retailers; may not exceed monthly fee. |
| Annual membership (if available) | €150-€180 | Some partners offer discounted annual billing; check your terms. |
| Refund window | Full refund | Within 14 days of cancellation notice under Consumer Rights Act 2022. |
When you should cancel Complete savings
Deciding whether to cancel depends on your personal circumstances. Use this framework to evaluate whether the service remains worthwhile for you.
Cancel if
- The cashback rewards you receive each month are less than the €15-€18 membership fee.
- You have not used the membership or shopped via partner retailers in the last 30 days.
- You did not receive clear notice of your 14-day cancellation right at signup.
- You have been charged multiple months without active engagement or benefit.
- You prefer to avoid automatic renewal subscriptions altogether.
Keep if
- You regularly shop through partner retailers and accumulate cashback equal to or exceeding the monthly fee.
- You value the additional discounts and monthly bonuses beyond the core subscription cost.
- You are within the 14-day cooling-off period and want to test the service fully before deciding.
How to claim a refund after cancellation
If you cancel within the 14-day cooling-off period or discover you were charged after a failed cancellation attempt, you have grounds for a refund.
Refund request via customer service
Call the customer service line on 1800 806 167 and explain that you are cancelling within the cooling-off period. Request a full refund of all charges, including the trial fee if one was applied. Ask the agent to process the refund immediately and provide an expected refund date. Most refunds appear in your bank account within 5-7 working days.
Refund request if cancellation was missed
If you believe your cancellation request was not processed, you have strong grounds for a refund. Contact Complete Savings immediately and provide:
- The date you attempted to cancel (phone, email or online).
- Any reference numbers, confirmation emails or screenshots you hold.
- A statement that you were charged after your cancellation date.
- A request for full refund of the unauthorized charge(s).
Under the Consumer Rights Act 2022, Complete Savings must refund charges that were processed after you submitted a valid cancellation notice.
Escalation to your bank
If Complete Savings does not refund within 14 days, or if the company disputes your claim, contact your bank directly. Request a chargeback or reversal of the unauthorized recurring charge. Your bank can recover the funds on your behalf and investigate the transaction. Provide your cancellation proof (email, reference number, screenshot) to your bank. Yafee advises keeping all documentation for at least 12 months in case of dispute.
Common mistakes that delay cancellation
Cancellation is straightforward once you know the correct procedure, but certain missteps can cause delays or failed requests.
Mistake one: cancelling on the wrong website or platform
If you enrolled through a partner retailer (not directly on completesavings.ie), attempting to cancel through that retailer's customer service may not work. You must cancel directly with Complete Savings using the phone, email or online portal methods outlined above. Contact the retailer only if they initiated the signup on your behalf; otherwise, proceed directly to Complete Savings.
Mistake two: not retaining proof of cancellation
Do not rely on memory or assume cancellation was successful simply because you pressed a button or ended a call. Always obtain and save written proof: a confirmation email, a reference number, or a screenshot of your "Cancelled" status. If you are later charged after cancellation, this proof is your legal evidence and will support your refund claim or dispute with your bank.
Mistake three: assuming the trial period is free from cancellation rights
Even if you enrolled in a free trial, you still hold the full 14-day cancellation right from the signup date. Do not wait until the trial is about to convert to a paid charge. Cancel proactively during the trial if you do not wish to continue.
Mistake four: cancelling only via email and not following up
Email is a valid cancellation route, but it is the slowest. If you send a cancellation email on day 10 of a 14-day cooling-off period and do not receive a response within 2 working days, call the customer service line immediately to ensure your cancellation is processed in time. Do not assume silence means agreement; follow up actively.
What happens after cancellation
After you cancel successfully, your membership ends immediately and you will no longer be charged. Nevertheless, a few practical steps ensure you do not face future complications.
Verify the cancellation took effect
Check your account one week after cancellation to confirm your membership status shows as "Cancelled" or "Inactive". If it still shows as "Active", contact customer service immediately and reference your cancellation date and confirmation number.
Monitor your bank statements
Watch your bank or credit card statements for the next 4-6 weeks. You should see no new charges from Complete Savings (WLY*COMPLETESAVE or CASH.COMPLETESAVE). If a charge appears after your confirmed cancellation date, contact your bank immediately and request a chargeback, citing your cancellation proof.
Retain your confirmation email permanently
Save your cancellation confirmation email in a dedicated folder or label it clearly in your email system. Keep it for at least 12 months in case of future disputes or queries.
Comparison of cancellation methods
Each cancellation route has distinct advantages and drawbacks. This table summarises the key differences to help you choose the best method for your situation.
| Method | Speed | Proof of cancellation | Best for |
|---|---|---|---|
| Phone (1800 806 167) | Immediate (5-10 mins) | Reference number + email confirmation | Fastest and most direct; ideal if you want confirmation on the spot. |
| Online (account portal) | Immediate (2-3 mins) | Screenshot + confirmation email | Convenient if you prefer self-service; available 24/7. |
| Slow (3-5 working days) | Email chain | Useful if you have complex questions or prefer a written record from the outset. |
Next steps and further support
If Complete Savings refuses to cancel your membership or process a refund, you hold legal remedies under Irish consumer law. You can escalate your complaint to the Financial Services and Pensions Ombudsman (FSPO) or the Commission for the Regulation of Utilities (CRU), depending on how the service is classified.
Yafee has helped thousands of consumers cancel unwanted subscriptions and recover overcharged fees by guiding them through these exact steps and ensuring they understand their legal position. Your cancellation is your right, not a favour. If you face resistance, document every interaction and escalate confidently.
For further guidance on your subscription rights in Ireland, visit Yafee at yafee.com, where you will find templates, checklists and detailed legal references for all major subscription services. Yafee's platform simplifies the cancellation process and ensures you retain all necessary proof of your request. Whether you are cancelling Complete Savings today or preventing future unwanted charges, Yafee provides the clarity and confidence you need to take control of your recurring payments.
Contact information
Complete Savings customer service
Phone: 1800 806 167 (Mon-Fri 8 AM-8 PM, Sat 9 AM-4 PM Irish time)
Email: Check the Complete Savings website contact page for the current support email address.
Online: Log into your account at completesavings.ie to access the cancellation portal.
Escalation contacts (if cancellation is refused)
Financial Services and Pensions Ombudsman (FSPO): www.fspo.ie | Phone: 1800 662 0899
Commission for the Regulation of Utilities (CRU): www.cru.ie | Phone: 1800 224 488
Important warning
- Yafee cannot guarantee that the recipient will process your request.
- Yafee cannot guarantee the accuracy of content modified by the user.
- Yafee cannot prevent the recipient from disputing the legal scope.
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