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Cancel FEDERAL BANK
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Cancellation service #1 in India
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I hereby notify you of my decision to terminate the contract relating to the Federal Bank 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 period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Federal Bank: Easy Method
What is Federal Bank
Overview
Federal Bank is an Indian private sector bank offering retail and corporate banking services, digital channels, credit cards and payment gateways.
The bank provides multiple facilities (mobile banking, online payments, credit cards and EMI options) each with its own cancellation and refund rules.
Scope of this guide
This guide explains how to cancel common Federal Bank services, what to expect on refunds, customer rights and practical steps to finish the process.
Content is organised by service type: FedMobile / Corporate FedMobile, Easy Payments, Credit Card / OneCard and EMI.
How to cancel Federal Bank
FedMobile app or Corporate FedMobile facility
- Prepare a written termination request addressed to the bank. The customer must give at least 30 days' written notice.
- Submit the notice at a branch or via any official channel accepted by the bank (retain acknowledgement).
- Understand termination does not absolve responsibility for transactions executed prior to termination.
Easy Payments (Federal Bank payment gateway)
- Payments made through the gateway cannot be cancelled by the user once the payment is completed.
- For duplicate or erroneous payments, approach the payee institution (for example a school) with transaction proof to request a refund.
Credit Card and OneCard cancellation
- Request cancellation via FedMobile, FedNet or the bank contact centre; you will be asked to return all physical cards and settle outstanding dues.
- No pro‑rata refund for annual or other fees will be given. For OneCard, cancelling within six months of virtual‑card activation may incur a ₹3,000 charge.
EMI facility cancellation
- Contact the bank contact centre to cancel an EMI booking. Cancellation within 7 working days of booking (one EMI transaction per quarter) results in reversal of charges.
- After the 7‑day window cancellation is possible but associated charges are non‑refundable.
What happens when you cancel
Access and account state
Termination of FedMobile or corporate mobile facility removes your access to that digital channel, while your underlying account remains subject to normal bank rules.
For credit cards, account closure means card transactions are blocked; you must return cards and clear pending balances.
Liabilities and prior transactions
Customers remain responsible for transactions and liabilities incurred prior to termination or suspension of the facility.
The bank may suspend or terminate certain facilities at its discretion; this can occur without prior notice in some cases.
Data and records
Bank retains account and transaction records as required by law and internal policy even after cancellation.
You may request statements or copies of records before closing, subject to prevailing charges for copies if any.
Will I get a refund?
Easy Payments refunds
Refunds are not automatic for payments made through the Federal Bank gateway.
For duplicate payments, the customer must approach the payee institution with transaction proof; refunds (once approved) are processed in 10 - 15 working days by the payment gateway.
Timing and receiving bank delays
After the gateway processes a refund, the issuing bank typically takes another 8 - 15 working days to credit your account depending on bank policy.
Delays beyond these timelines can be escalated as per consumer rights (see rights section).
Credit card and EMI refunds
On credit card closure, no pro‑rata refund of annual or other fees is generally provided.
EMI cancellations within 7 working days of booking result in reversal of charges and re‑debit of the original amount; cancellations after 7 days may not result in refundable charges.
Federal Bank plans and pricing
Overview of common charges
The table below lists representative service charges and fees published for Federal Bank services (2024 - 2025 disclosures).
Charges are per transaction or service; check the bank's official schedule for full details.
| Plan | Price | Period | Features |
|---|---|---|---|
| Cash Transaction (beyond free limit) | ₹4 per ₹1,000 (min ₹100) | Per Transaction | After five free transactions or ₹5 lakh/month |
| Other-bank ATM Withdrawal | ₹23 | Per Transaction | Financial transaction beyond free limit |
| Other-bank ATM Non-financial | ₹12 | Per Transaction | Balance inquiry, mini-statement beyond free limit |
| Failed ATM Transaction (insufficient funds) | ₹25 | Per Transaction | Declined ECOM/POS due to insufficient funds |
| Non-maintenance of AMB (up to 20% shortfall) | ₹75 | Monthly | AMB requirement ₹5,000 |
| Locker Rent (rural small) | ₹2,000 per annum | Annual | Rural branch, small locker + refundable key deposit |
| Account Closure (within 6 months) | ₹100 | One-time | Savings account closure charge |
| Metal Card Issuance (Credit Card) | ₹3,000 | One-time | Credit card issuance fee |
Your consumer rights in India
Escalation and Ombudsman
Under RBI guidelines, unresolved banking grievances beyond stipulated timelines may be escalated to the Banking Ombudsman.
OneCard terms reference escalation to the Ombudsman if issues remain unresolved beyond 30 days.
Consumer remedies and forums
Customers may approach consumer courts or seek compensation for service deficiencies such as wrongful charges or withheld refunds.
There are precedents where district consumer commissions ruled a bank's failure to refund as a deficiency in service.
Digital payments protections
RBI and NPCI prescribe timelines and processes for digital payment refunds; delays can be escalated to the bank's nodal officer, NPCI (for UPI) or the Banking Ombudsman.
Keep transaction evidence and complaint references when escalating for faster resolution.
Customer experiences
Positive feedback
Long‑term customers note a broad product range and occasions of helpful, professional staff interactions.
Certain branches report smooth transactions, user‑friendly online banking and supportive branch staff.
Negative feedback
Common complaints include slow or unresponsive customer support, frozen accounts, KYC delays and missing ATM cards.
Customers have reported delays or difficulty obtaining refunds for UPI or gateway transactions and inconsistencies in dispute handling.
Takeaways
Many problems relate to communication gaps or process misunderstandings; keeping clear proof and following escalation steps improves outcomes.
Before cancellation, verify required documents and financial closure to avoid disputes after exit.
Documentation checklist
For FedMobile / Corporate FedMobile
- Written termination letter with at least 30 days' notice (signed).
- Account holder identity proof and account details.
- Acknowledgement or receipt from branch or support channel.
For Easy Payments refund requests
- Transaction receipts or screenshots showing duplicate/erroneous payments.
- Payee institution communication (if available).
- Contact details and complaint reference numbers.
For Credit Card / OneCard closure
- All physical cards surrendered (if applicable).
- ID proof, credit card number and account statements showing outstanding balances.
- Settlement proof for any outstanding dues.
Common mistakes
Missing required notice or documentation
Not providing a written notice (or failing to retain an acknowledgement) can delay FedMobile termination and leave you liable for transactions.
Always keep copies of submitted letters and any branch receipt or complaint reference.
Approaching the wrong party for refunds
For payments via the Federal Bank gateway, customers sometimes expect the bank to unilaterally reverse payments; the correct first step is to approach the payee institution with transaction proof.
Assume a two‑step process: payee-level approval, then gateway processing, then issuing‑bank credit.
Ignoring time windows and charges
EMI cancellations after the 7‑day reversal window may not be refundable; OneCard early cancellations (within six months) can trigger a ₹3,000 charge.
Not settling card dues before closure or failing to return cards leads to continued liability or delays in closure.
Comparative recap
Quick comparison of cancellation outcomes
The table below summarises cancellation routes, refunds and timelines for common Federal Bank services.
| Service | Cancellation method | Refunds / reversals | Notice / charges | Typical timeline |
|---|---|---|---|---|
| FedMobile / Corporate FedMobile | Written notice (≥30 days) to branch or accepted channel | No refund (service termination only); prior txns remain customer liability | Bank may suspend/terminate at discretion; customer must give 30 days | 30 days notice; bank processing time varies |
| Easy Payments (gateway) | Cannot cancel completed payment; approach payee for refund | Refunds processed via gateway only after payee approves | No direct bank cancellation; depend on payee and gateway | Gateway 10 - 15 working days + issuing bank 8 - 15 working days |
| Credit Card / OneCard | Request via FedMobile / FedNet / contact centre; return cards and settle dues | No pro‑rata fee refunds; post‑closure reversals credited after verification | OneCard: cancellation within 6 months may attract ₹3,000 | Closure effective after dues cleared; reversals depend on verification timelines |
| EMI facility | Contact centre; cancel within 7 working days for reversal | Within 7 days: full reversal and charge reversal; after 7 days: non-refundable | One EMI cancellation per quarter allowed in window | Within 7 working days for reversal; otherwise subject to charges |
After cancelling
Immediate actions
Keep acknowledgement of cancellation and copies of all submitted documents for at least six months.
Check statements for any post‑closure activity and report discrepancies immediately with complaint references.
Escalation steps
If a grievance is not resolved within the bank's timelines, escalate to the nodal officer and then to the Banking Ombudsman as per RBI rules.
Maintain transaction proofs, complaint numbers and written correspondence when escalating to regulators or consumer forums.
Where to get help
Contact your local Federal Bank branch or use the bank's official customer service channels to request closure confirmation and status updates.
If a refund or dispute remains unresolved, consider filing a complaint with the Banking Ombudsman or consumer forum with your documented evidence.
Address
Federal Bank operations address
The Federal Bank Ltd., 2nd Floor, Parackal Towers, Operations Department, Parur Junction, Aluva, Ernakulam, Kerala 683102, India
Notes on correspondence
Send written termination notices or dispute correspondence to the above address if instructed by the bank or for escalation purposes.
Retain proof of dispatch and delivery when sending physical notices or documents.