Cancellation service #1 in United States
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Asb 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 Asb: Easy Method
What is Asb
Overview
ASB is a major New Zealand bank providing everyday banking, credit cards, personal loans, insurance, and digital services to consumers and businesses.
Where it fits
ASB operates branches nationwide and offers phone support and online banking, but some actions (for example closing an account) require in-branch or phone verification.
How to cancel Asb
Closing a bank account
- Visit an ASB branch in New Zealand or call ASB on the official phone line - account closure cannot be completed online or from overseas.
- Be prepared to provide your verbal bank password for phone closure or bring ID in-branch for identity verification.
- Confirm any outstanding payments, scheduled transfers or linked services before requesting closure.
Cancelling personal loan insurance
- Visit a branch or call 0800 200 252 to start the cancellation process.
- Submit a signed and dated cancellation request; include policy details so ASB can process the request.
- If you cancel within the 30‑day free‑look period shown on your cancellation form or letter, ask about a premium refund.
Cancelling app or web subscriptions
- ASB has no specific cancellation channel for platform subscriptions - cancel directly with Apple App Store, Google Play or the merchant website.
- Check recurring merchant debits on your account and cancel any associated payment authorisations if needed.
What happens when you cancel
Access and services
When an account is closed you lose online and card access to that account and any linked services will stop.
Ensure any direct debits or automatic payments are moved to another account beforehand to avoid failed payments.
Renewals and contracts
Cancellations stop future charges, but may not automatically cancel related contracts (for example subscriptions billed through third parties).
Check merchant or insurer terms for any notice periods or outstanding obligations that survive cancellation.
Data and records
ASB will retain transaction records as required by law; request written confirmation of closure and keep your own copies.
If you need copies of past statements, request these before the account is closed or ask how to obtain them afterwards.
Will I get a refund?
Standard refund rules
- Personal loan insurance: you may receive a refund of premiums if cancelled within the 30‑day free‑look period noted on the cancellation form or letter.
- Unauthorised or fraudulent transactions: ASB generally refunds verified fraud if reported promptly (reporting timelines apply).
Exceptions and special cases
- Refunds for fees or interest wrongly charged are governed by the CCCFA; banks must refund amounts they were not entitled to charge.
- ASB agreed to a large CCCFA settlement (NZ$135.6 million) covering historical incorrect charges between 2015 - 2019.
Timing and evidence
Refunds depend on verification and may take time; retain receipts, policy documents and dates of cancellation to speed processing.
If you believe a refund is owed under law, request written confirmation and note any timelines provided by ASB.
Asb plans and pricing
Pricing summary
Below are example account and card fees drawn from recent pricing information. Refer to ASB's official Fees Guide for current details.
Fee table
| Plan | Price | Period | Features |
|---|---|---|---|
| Visa Debit Card | NZ$5.00 | Every six months | Debit card account fee |
| Visa Light Credit Card | NZ$0.00 | Every six months | No six‑month account fee; no joint/additional card fee |
| Visa Rewards Credit Card | NZ$20.00 | Every six months | Account fee; joint fee NZ$13.00; additional card NZ$6.00 (per six months) |
| Visa Platinum Rewards Credit Card | NZ$40.00 | Every six months | Account fee; joint fee NZ$27.50; additional card NZ$15.00 (per six months) |
Your consumer rights in New Zealand
Refund rights under CCCFA
Under the Credit Contracts and Consumer Finance Act (CCCFA), amounts charged that are not authorised must be refunded or credited as soon as practicable.
ASB’s past failures led to a settlement addressing refunds for ineligible fees and interest.
Fraud protection
- Consumers are protected by card‑scheme rules (for example Visa) and New Zealand consumer law; banks generally refund verified fraudulent transactions if reported promptly.
- Report unauthorised transactions as soon as you notice them and keep records of your report.
Cancelling financial products
There is no universal 14‑day cooling‑off for banking products; some products (like certain insurance) have a free‑look period documented in policy materials.
Follow ASB’s specified channels for closures and cancellations to ensure your rights are preserved.
Customer experiences
Positive feedback
- Many customers praise helpful branch staff, especially when staff assist with complex matters or support elderly relatives.
- Some users find the ASB mobile app well designed, with useful integrations and a generally favourable user experience.
Negative feedback
- Common complaints include poor phone support, long wait times, inconsistencies across branches, and frustration with delays in some payments clearing.
- Reports mention accounts being locked and requiring branch visits to restore access, which can be inconvenient if you are overseas.
Documentation checklist
For closing accounts
- Valid photo ID (passport or NZ driver licence) and proof of address if required.
- Account number(s), debit card details, and any linked service references to be closed.
- Verbal bank password for phone closures or signature for in‑branch forms.
For insurance and refund requests
- Signed and dated cancellation request (personal loan insurance) and a copy of the original policy or cancellation form.
- Evidence of payments or incorrect fees (statements, receipts) for dispute or CCCFA refund claims.
- Records of calls, dates and staff names where possible to support your claim.
Common mistakes
Assuming online closure is possible
Some customers attempt to close accounts online or from overseas and discover ASB requires an in‑branch visit or phone verification with a verbal password.
Check ASB’s stated closure channels before relying on online-only options.
Missing signed cancellations or free‑look timing
For personal loan insurance, failing to submit a signed, dated request within the free‑look period can forfeit a refund.
Always note dates on cancellation forms and keep copies as proof.
Not cancelling third‑party subscriptions
Closing an ASB account does not automatically cancel subscriptions billed through the App Store, Google Play, or merchant sites.
Cancel subscriptions at the platform or merchant and stop any payment authorisations to avoid ongoing charges.
Comparative recap
At a glance
This table compares common cancellation types so you can decide the best next step quickly.
Quick decisions
| Item | How to cancel | Refund likelihood | Best first action |
|---|---|---|---|
| Bank account | Visit branch or call with verbal password | Varies - refunds depend on disputed charges | Bring ID; close only after moving payments |
| Personal loan insurance | Branch visit or call 0800 200 252 + signed dated request | High if within 30‑day free‑look | Submit signed cancellation and request refund in writing |
| App / digital subscriptions | Cancel via App Store, Google Play or merchant website | Depends on merchant/platform policy | Cancel on platform and revoke payment authorisation |
| Unauthorised transactions | Report to ASB immediately | Often refunded if reported promptly and verified | Gather evidence and file a fraud report quickly |
After cancelling
Follow‑up actions
Ask ASB for written confirmation of cancellation and any refund timelines and keep those documents for your records.
Monitor your bank statements for any unexpected charges and follow up promptly if they appear.
Where to get help
- ASB help pages and contact: ASB Official Site
- Consumer advice: New Zealand Commerce Commission / Consumer Protection
- Financial dispute resolution: Financial Markets Authority
Address
Postal address for correspondence
P.O. Box 35, Shortland Street, Auckland 1140, New Zealand.
Branch visits
For in‑person closures or identity checks, visit your local ASB branch. Check branch opening hours on ASB's website before you go.
Similar cancellation services
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.