Service de résiliation N°1 en Canada
Madame, Monsieur,
Je vous notifie par la présente ma décision de mettre fin au contrat relatif au service Icici.
Cette notification constitue une volonté ferme, claire et non équivoque de résilier le contrat, à effet à la première échéance possible ou conformément au délai contractuel applicable.
Je vous prie de prendre toute mesure utile pour :
– cesser toute facturation à compter de la date effective de résiliation ;
– me confirmer par écrit la bonne prise en compte de la présente demande ;
– et, le cas échéant, me transmettre le décompte final ou la confirmation de solde.
La présente résiliation vous est adressée par e-courrier certifié. L’envoi, l’horodatage et l’intégrité du contenu sont établis, ce qui en fait un écrit probant répondant aux exigences de la preuve électronique. Vous disposez donc de tous les éléments nécessaires pour procéder au traitement régulier de cette résiliation, conformément aux principes applicables en matière de notification écrite et de liberté contractuelle.
Conformément aux règles relatives à la protection des données personnelles, je vous demande également :
– de supprimer l’ensemble de mes données non nécessaires à vos obligations légales ou comptables ;
– de clôturer tout espace personnel associé ;
– et de me confirmer l’effacement effectif des données selon les droits applicables en matière de protection de la vie privée.
Je conserve une copie intégrale de cette notification ainsi que la preuve d’envoi.
Cancellation Icici: Easy Method
What is Icici
ICICI Bank Canada is a federally regulated Canadian bank that provides retail and cross‑border banking services, including chequing and savings accounts, remittance solutions to India (Money2India), mobile banking (iMobile), mortgages and specialized newcomer/student programs. It operates under Canadian banking regulations and offers both in‑branch and digital channels for account management and transfers.
How to cancel Icici
- Identify what you want to cancel (account, recurring transfer, Money2India transaction, GIC under the Student Partnership Program, or a specific product such as a chequing account or mortgage) and gather the relevant details: account number, transaction reference, customer ID, and any supporting documents.
- Contact Customer Service first to request cancellation and ask for written confirmation (via secure message or email). Use the bank’s secure messaging in iMobile or the web portal where available.
- If the service or transaction requires a formal notice (recommended for account closure, mortgage porting, or disputed remittances), send a registered letter with acknowledgement of receipt to ICICI Bank Canada, 366 Bay Street, Toronto, ON M5H 4B2. Per the bank’s terms, posted notices to this address are deemed received after five business days; include a clear instruction, your contact details, account information and signature.
- For remittance cancellations specifically, be aware that cancellations are at ICICI’s sole discretion and may incur fees; ask Customer Service to confirm whether funds are still held and whether a refund is possible (see the bank’s money transfer terms at the link below).
- If the initial response is unsatisfactory, escalate through the bank’s complaints procedure: Customer Service → Head of Customer Service → Complaints Officer → Senior Complaints Officer. If unresolved, you may refer the matter to external bodies such as the Financial Consumer Agency of Canada (FCAC) or the Ombudsman for Banking Services and Investments (OBSI).
What happens when you cancel
When you cancel an account or service, access to online banking and mobile app features associated with that account will be restricted or closed. Recurring payments and scheduled transfers will stop; any pending transfers may be halted only if the funds are still with the bank and cancellation is accepted. The bank may retain records and transaction data in accordance with regulatory and internal retention policies. For loans, mortgages, or guaranteed investment commitments (GICs), cancellation can have contractual consequences such as early repayment charges or processing fees - confirm these with the bank before you proceed.
Will I get a refund?
Refunds for ICICI Bank Canada services are generally discretionary rather than automatic. For money‑transfer services, the bank may refund amounts only if funds remain with the bank and the cancellation complies with the Terms & Conditions; any refund may reflect prevailing exchange rates and be reduced by applicable costs, charges, expenses and interest. Under the Student Partnership Program (GICs), if a study permit is refused or cancelled, the bank will refund the balance after deducting non‑refundable processing fees; refunds are processed to the originating account and typically take around eight weeks. Always request written confirmation of any refund decision and the expected timing. For the bank’s money‑transfer terms see: ICICI Bank Canada - Money Transfers (legal). For SGP refund details see: SGP refund information.
Icici plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Money2India (Canada) app | Free | N/A | Enable remittance from Canada to India for free (app download and usage is free). Transfer fees apply depending on account type. |
| ICICI Bank Canada iMobile app | Free | N/A | Full mobile banking services - account management, bill payment, transfers - with no cost for app download or usage. |
| HiVALUE® Chequing Account | C$9.95 per month (waived with C$3,000 minimum daily closing balance) | Monthly | Everyday chequing; unlimited debit transactions, free ABM transactions, bill payments, low‑cost international transfers. |
Your consumer rights in Canada
As a federally regulated bank, ICICI Bank Canada operates under oversight by the Financial Consumer Agency of Canada (FCAC). The bank maintains a formal complaint‑handling procedure that lets customers escalate from Customer Service to the Head of Customer Service, then to the Complaints Officer and Senior Complaints Officer; each escalation must be acknowledged within two business days. If your complaint remains unresolved, you can refer it to external dispute bodies such as OBSI. The bank publishes complaint‑resolution statistics and related policies on its website; review those pages for timelines and escalation contacts: Filing a complaint - ICICI Bank Canada.
Customer experiences
Public reviews are mixed. Positive feedback highlights helpful mortgage assistance, friendly in‑branch support for account setup, and generally well‑rated mobile apps for functionality. Conversely, some customers report slow app performance, intrusive pop‑ups asking for ratings, and serious dissatisfaction with customer service in complex cases such as mortgage porting or unresolved escalations. For general review context see Trustpilot and a market review: Trustpilot Canada - ICICI Bank and Finder Canada - ICICI Bank review.
Documentation checklist
- Government ID (passport or driver’s licence), account number(s) and customer ID
- Signed cancellation request or closure form (when required) and a clear written instruction for the bank
- Transaction reference numbers for transfers you wish to cancel and proof of payment
- For SGP/GIC refunds: official study permit refusal/cancellation letter or supporting documentation
- Copies of any prior correspondence with Customer Service and written confirmations
Common mistakes
Customers often assume cancellations and refunds are automatic; in reality refunds are discretionary and may be reduced by fees or exchange rate adjustments. Another common error is failing to send a formal signed notice when required - verbal requests or unsecured messages may not be accepted for account closures or disputed remittances. Some users also stop monitoring pending transfers after submitting a cancellation; if the funds have already been sent to a beneficiary or an intermediary bank, reversal may be impossible or costly. Always keep copies of correspondence and request written confirmation of the bank’s decision.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Online / Mobile app request | Possible, discretionary; subject to terms and exchange adjustments | Low to Medium |
| Phone / Customer Service | Possible, discretionary; get written confirmation | Medium |
| Registered mail (formal notice to head office) | Possible, strongest evidence for disputes and formal cancellations; refund still subject to policy | Medium to High |
After cancelling
After you cancel, retain written confirmation and monitor your account statements for any unexpected charges or residual transactions. If you were denied a refund or disagree with the bank’s decision, follow the escalation steps in the bank’s complaints procedure and consider referring the matter to FCAC or OBSI if unresolved. Useful pages: ICICI money‑transfer terms (money transfers legal), SGP refund information (SGP refund), complaint filing (filing a complaint), Money2India app listing (Money2India (App Store)), and public reviews (Trustpilot).
Address
ICICI Bank Canada
366 Bay Street, Toronto, ON M5H 4B2, Canada
For general mail you may use PO Box 47019; for formal notices, send a registered letter to the Bay Street address and keep proof of sending and delivery.