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Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Fnb 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.
Cancel Fnb: Easy Method
What is Fnb
Overview
FNB (FNB New Zealand Limited) provides banking and financial services through a mobile app and web platform under the FNB brand.
The service includes account management, payments, and subscription‑style features accessed via apps or thefnb.com.
Key functions
The FNB app offers features such as transaction viewing, product information and in‑app services that may be billed or subscription based.
Subscriptions can be managed in the app stores or via the FNB website depending on how the service was purchased.
How to cancel Fnb
Cancel via Apple (iOS)
- Open Settings on your iPhone or iPad.
- Tap your name, then tap Subscriptions.
- Find the FNB subscription and tap Cancel Subscription.
- If you need guidance from Apple, see Apple support (NZ).
Cancel via Google Play (Android)
- Open the Google Play Store app and tap Menu (three lines).
- Tap Subscriptions, select the FNB subscription, then tap Cancel.
- Follow the on‑screen steps to confirm cancellation.
Cancel via web (FNB site)
- Log in at thefnb.com.
- Go to Account Settings → Subscriptions → Cancel Subscription.
- You should receive a confirmation email after cancelling on the website.
What happens when you cancel
Access after cancellation
When you cancel a subscription, access generally continues until the end of the current billing cycle.
Features tied to the subscription will typically remain active until the paid period expires.
Renewals and billing
Automatic renewals stop after cancellation; you will not be charged for future cycles once the current period ends.
Confirm the cancellation and final billing date in your confirmation email or account settings.
Data and account status
Cancelling a subscription does not always close your FNB account or delete stored data.
If you wish to close your entire account, contact FNB support and follow their account‑closure process.
Will I get a refund?
Standard refund policy
FNB’s stated policy is that no refunds are issued for partial billing cycles; cancellation takes effect at the end of the current cycle.
That means you will not typically receive a pro‑rata refund for unused time within a paid period.
Exceptions and third‑party store rules
- Apple and Google have their own refund processes and may grant refunds in certain cases; follow their refund request flows.
- Consumer protection laws in New Zealand may provide additional remedies in specific circumstances (see below).
What to do if you believe you qualify
Keep records (receipts, screenshots, confirmation emails) and contact the store (Apple/Google) or FNB support to request a refund or review.
If a refund is denied and you believe the decision is incorrect, consider escalating under consumer rights or dispute processes.
Fnb plans and pricing
Pricing overview
Detailed plan names and pricing vary by product, purchase method and region.
Refer to your purchase receipt or the FNB website for the exact amount charged for your subscription.
Where to confirm prices
Check the app store receipt (Apple/Google) or thefnb.com account billing pages for specific plan rates and billing cycles.
If unsure, contact FNB support for an itemised breakdown of charges.
| Plan / Charge | Price | Billing cycle | Notes |
|---|---|---|---|
| Subscription (app / web) | Varies | Varies | See thefnb.com or your app store receipt for details. |
| In‑app purchase (Apple / Google) | Varies | Varies | Managed through Apple or Google Play billing. |
| Account or service fees | Varies | Varies | May apply depending on product and region. |
Your consumer rights in New Zealand
Apple purchases and NZ law
Purchases made through Apple in New Zealand are subject to Apple’s processes and your statutory rights under New Zealand law.
See Apple’s NZ guidance at Apple support (NZ).
Consumer protection (CGA and other laws)
- The Consumer Guarantees Act and other NZ consumer laws may provide remedies if a service is faulty or not as described.
- These rights sit alongside app store policies and can affect refunds or remedies in specific cases.
Returns and time limits
For physical items sold by Apple, standard returns guidance in NZ often allows up to 14 calendar days to initiate a return.
For digital services, statutory rights and app store policies determine available remedies and timeframes; check the relevant support pages.
Customer experiences
Positive feedback
Some users report they enjoy the FNB app and the feature set when it fits their needs.
Positive comments often note convenience and useful tools when the app functions as expected.
Negative feedback
Common complaints include app bloat, slow navigation, unstable features and difficulty closing accounts.
Customer service issues are frequently reported: long waits, unresolved problems and slow or ineffective refund or fraud dispute handling.
Where feedback is visible
Users discuss experiences on public forums and review sites, which can help set expectations before cancelling or escalating an issue.
Examples of public feedback sources include community forums and review platforms referenced in user reports.
Documentation checklist
Account and purchase details
- Account email or username used with FNB.
- Subscription ID or order number from thefnb.com or app store receipt.
- Payment method and last charged date.
Evidence and correspondence
- Confirmation email of subscription and cancellation (if received).
- Screenshots of subscription status in the app, app store or web account page.
- Any correspondence with FNB, Apple or Google (dates and reference numbers).
Common mistakes
Expecting immediate access removal or refund
A frequent mistake is assuming cancellation results in an immediate refund or immediate loss of access.
In most cases, cancellation stops future renewals but access continues until the billing period ends and refunds are not automatic.
Not checking where the purchase was made
Users sometimes try to cancel via thefnb.com when the subscription was made through Apple or Google Play.
Always confirm whether the purchase was handled by the app store or directly by FNB before following cancellation steps.
Missing documentation
Not saving receipts, confirmation emails or screenshots makes it harder to request refunds or escalate disputes.
Keep clear records before and after cancelling to support any follow‑up with FNB or the store.
Comparative recap
Cancellation channels compared
The table below summarises the main cancellation routes, likely ease, and refund expectations based on typical processes.
Use this to choose the best route for your situation.
| Method | Ease | Refund likelihood | Notes |
|---|---|---|---|
| Apple App Store | Easy - via Settings → Subscriptions | Possible (Apple determines refunds) | Follow Apple’s refund request if needed; NZ law may also apply. See Apple support (NZ). |
| Google Play Store | Easy - via Play Store → Subscriptions | Possible (Google determines refunds) | Use Play Store subscription management and refund request flow. |
| FNB website | Moderate - log in and cancel in Account Settings | Unlikely for partial cycle (FNB policy) | Cancellation via thefnb.com typically results in end‑of‑cycle termination and a confirmation email. |
After cancelling
Verify cancellation
Check your email for a cancellation confirmation and verify the subscription status in your app store or thefnb.com account page.
Also monitor your bank or card statements to ensure no further charges occur after the final billing date.
Escalate or dispute
If you need a refund or the charge is incorrect, contact Apple/Google first for in‑store purchases, or FNB support for direct purchases.
For guidance about cancelling the FNB service, see a general guide at How to cancel the FNB.
Helpful links
Address
Registered and office address
FNB NEW ZEALAND LIMITED
115 Litten Road, Cockle Bay, Auckland 2014, New Zealand
Notes on records addresses
The Cockle Bay Auckland address serves as the postal, office, delivery, and registered office address for FNB New Zealand Limited.
Other Christchurch addresses are held as records addresses and not the primary registered office.
FAQ
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.