Cancellation service N°1 in Australia
Contract number:
To the attention of:
Cancellation Department – Fizz
16 Hibiscus Haven
4220 Gold Coast
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Fizz service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
11/01/2026
How to Cancel Fizz: Complete Guide
What is Fizz
Fizz is a consumer-facing credit and money app that offers tiered membership plans, credit-building tools, cashback-style rewards and bite-sized financial education. The membership model includes free and paid tiers with monthly, quarterly and annual subscription options; paid levels add benefits such as daily autopay, spend-tracking and higher rewards. The product positions itself around credit improvement and behavioural nudges rather than traditional credit-card lending.
From a product perspective: Fizz bills a recurring subscription fee for membership access, treats subscription payments as earned on receipt and states that subscriptions auto-renew until cancelled. These billing mechanics shape the financial trade-offs for users who consider cancelling mid-cycle.
| Plan type | Listed price (source currency) | Approx price in A$ | Key benefits |
|---|---|---|---|
| Monthly (non-student) | $11.99 | A$18.00 (approx) | Build credit tools, basic cashback, lessons |
| Quarterly (non-student) | $34.99 | A$52.50 (approx) | Same benefits, billed every 3 months |
| Annual (non-student) | $129.99 | A$195.00 (approx) | Best per-month price, full year access |
| Student options | $5.99 - $59.99 | A$9.00 - A$90.00 (approx) | Discounted rates with verification |
Price conversion used a recent USD to AUD mid-market rate (approx A$1.50 per US$1) for illustrative purposes; treat converted A$ values as approximations. Use current market rates for precise budgeting.
Subscription plan comparison
| Feature | Free plan | Paid monthly/quarterly | Paid annual |
|---|---|---|---|
| Credit building | Limited | Included | Included |
| Cashback/rewards | Minimal | Up to 3% typical | Up to 3% typical |
| Autopay features | No | Yes | Yes |
| Educational content | Some | More content | Full access |
In terms of value: annual plans generally reduce your per-month effective cost, so from a budget-optimisation perspective choose the cadence that matches your cashflow and expected lifetime use.
How cancellations typically affect Fizz subscriptions
From the provider's published terms, subscriptions auto-renew until you stop the renewal and a cancelled subscription remains active until the end of the current billing period. This means cancelling near the end of a paid term avoids the next charge while cancelling earlier does not necessarily generate a prorated refund.
Fizz's stated refund position is that subscription fees are "fully earned upon payment" and payments are generally nonrefundable, except where required by law or evaluated case-by-case. This affects expected recoverable amounts after cancellation.
Notice periods and proration: the published terms indicate you must cancel prior to the next scheduled charge to avoid the upcoming period; there is no broad promise of prorated refunds for unused time. Budget planning should therefore assume no mid-term refund unless you receive an explicit exception.
Customer experiences with cancellation
What users report
Public reviews and forum threads show a mix of sentiment: some users report smooth account closure and satisfaction with the product, while others report difficulty obtaining refunds or delays in resolving billing disputes. Multiple reviewers note long response times for support when they sought billing adjustments.
Representative paraphrased feedback observed on review platforms: "refund requests unanswered for weeks", "difficulty cancelling membership", and positive reports such as "helpful for credit building" from satisfied users. These are direct consumer-sourced impressions rather than provider statements.
Recurring issues and practical takeaways
Users who reported problems generally cited timing (being charged for an extra cycle) and slow support responses as the main financial pain points. Expect delays if you request an exception to the nonrefundable policy.
Practical takeaway: for cost control, plan cancellations around billing cycles and assume the provider will treat the last paid period as fully earned unless you secure a documented refund decision. Keep contemporaneous evidence of any refund request.
Documentation checklist
- Subscription details: plan name, billing cadence and the date(s) charged
- Proof of payment: transaction receipts or bank statements showing the charge
- Terms snapshot: a dated copy or screenshot of the membership terms that were in force when you joined
- Support correspondence: timestamps and summaries of any communications about billing or refunds
- Billing statements: next-charge date and any automatic renewal notes
Keep these items organised: they improve outcomes if you need to escalate a dispute with your payment provider or a consumer regulator. From a financial-advisor perspective, good documentation is the single highest-impact step to preserve your options.
Common pitfalls and mistakes to avoid
- Assuming prorated refunds: don’t budget on getting a partial refund unless a specific exception is granted.
- Missing the next-charge window: cancellation that is recorded after your renewal cut-off will usually leave you liable for the next period.
- No record keeping: lacking receipts or dated terms weakens your position in disputes.
- Waiting to act: delays in requesting a refund or asking for help reduce the odds of a discretionary refund.
From a cost-optimisation view, these mistakes are avoidable with evidence and timely action.
How to approach a dispute or refund request
From a financial perspective, escalate proportionally: gather the documentation checklist items, note the exact charge dates and record any product shortfall that you believe justifies a refund. When disputing a charge through your bank or card issuer, provide the documentation collected and explain the basis for a refund request.
What you can reasonably expect: case-by-case consideration of refunds where the provider's policy says payments are nonrefundable, and variable timelines for outcomes depending on volume of support requests. Budget contingencies accordingly.
Financial assessment: should you cancel Fizz
From a cost-benefit standpoint evaluate three variables: monthly equivalent cost of your plan, the cashflow impact of switching, and the quantified benefit you currently receive (cashback, credit score improvement, educational value). Use the subscription comparison table above to compute the annualised cost and compare to the expected tangible returns.
Example calculation: an annual non-student plan listed as US$129.99 converts to about A$195 (approx) at A$1.50 per US$1. If your measured benefit (cashback + value of lessons + credit improvement) is less than that annual cost, cancellation may be the correct optimisation. Adjust figures to your personal use-case.
Alternatives and switching considerations
When evaluating alternatives, compare the effective monthly cost, whether the alternative offers credit reporting, and any onboarding costs. For budgeting, two levers matter most: per-month savings from switching and the friction or potential lost benefits (for example, unfinished educational modules or rewards).
| Option | Typical cost | Primary trade-off |
|---|---|---|
| Keep current Fizz plan | A$9 - A$195 (approx range) | Ongoing cost vs continuity of credit-building features |
| Move to free alternatives | A$0 | Lose paid perks and possibly slower credit progress |
| Use bank/credit-builder product | Varies | May have different fees but clearer regulatory protections |
Compare annualised costs and expected outcomes before switching to avoid purely reactive decisions that increase total spend.
Regulatory and consumer-rights note relevant to Fizz
Short note: consumer protections for subscriptions depend on the product nature and local consumer law. Fizz’s terms state fees are nonrefundable and subscriptions auto-renew; any statutory cooling-off or refund rights under local law should be considered alongside the provider's stated policy when assessing your options. Keep legal claims focused and documented.
What to do after cancelling Fizz
Monitor your payment method and recent statements for at least one billing cycle to confirm no further charges appear. If you see an unexpected charge, use the documentation checklist and raise a billing dispute with your payment provider while you continue to request a provider decision.
Reallocate the savings: identify where the saved A$ per month will have the highest financial impact - paying down high-interest debt, funding an emergency buffer, or investing in a lower-cost alternative. From a budgeting perspective, replacing a recurring A$18 monthly obligation with a debt repayment or savings goal often delivers higher long-run value.
Lastly, if credit-building is your primary objective, measure outcomes over 3 - 6 months before abandoning alternative tools; track credit-score changes and quantify whether the new approach meets the same objectives at lower cost. This keeps the decision data driven and financially disciplined.