Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Westpac 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 Westpac: Easy Method
What is Westpac
Overview
Westpac New Zealand Ltd is a major New Zealand bank providing personal, business and international banking products including transaction accounts, savings, cards and merchant services.
Services and channels
Westpac operates branches, ATMs, online and mobile banking, and customer support lines in New Zealand.
The bank also supports digital wallet payments (Apple Pay, Google Pay) and Mastercard/Visa debit and credit services.
How to cancel Westpac
Cancel an account with Westpac
- Gather your account number, ID and any outstanding transaction details.
- Contact Westpac by visiting a branch, calling the Westpac NZ contact centre, or sending a written request to Westpac NZ (postal address below).
- Ask for account closure, confirm any required notices or fees, and how remaining balances will be returned.
Cancel recurring payments or subscriptions
- If the payment is via Apple Pay or Google Pay you must cancel directly with the business or service provider; cancelling in Apple/Google Pay or via Westpac alone is not sufficient.
- If a merchant bill or subscription was charged to your Westpac card, contact the merchant first to stop or cancel the subscription.
- If the merchant does not cancel, gather proof of contact and then lodge a formal dispute with Westpac for investigation.
What happens when you cancel
Access to accounts and cards
When you close an account or cancel a card, online and mobile access to that account will be removed once closure is processed.
Any linked cards or direct debits may be cancelled; confirm which services will stop and which need separate action.
Renewals, direct debits and data
Automatic renewals or subscription charges handled by merchants will not necessarily stop until you cancel with that merchant.
Westpac retains transaction records as required by law; ask the bank for confirmation of closure and record retention details if needed.
Will I get a refund?
Westpac refund policy (general)
Westpac requires customers to attempt refunds or disputes with the merchant first; the bank cannot automatically refund merchant or contract disputes without merchant contact and supporting proof.
If you have not received a refund from the merchant you must provide documentation showing you asked the merchant to refund before Westpac will progress a dispute.
Exceptions and cooling-off
- There is no general Westpac 14-day cooling-off refund right; refunds depend on the merchant’s terms and applicable consumer law.
- If you suspect unauthorised or duplicate transactions, lodge a dispute with Westpac after contacting the merchant; Westpac will investigate and may provisionally credit where appropriate.
Westpac plans and pricing
Account types and fees
Common Westpac account plans include Everyday Account, Simple Saver, Foreign Currency, International Student and Business Transact.
Pricing table
| Plan | Monthly fee | Key features / Fees |
|---|---|---|
| Everyday Account (personal transaction account) | No monthly fee | No electronic transaction fees; EFTPOS and Debit Mastercard no annual/card fees; Airpoints Debit Card NZ$15 annual; Westpac ATM withdrawals free; International ATM NZ$3; Foreign currency fee (debit/EFTPOS) 1.95% |
| Simple Saver (savings account) | No monthly fee | No electronic withdrawals/payments fee; branch withdrawals NZ$3 |
| Foreign Currency Account | No monthly fee | Foreign cash deposit 2% (min NZ$35); foreign cash withdrawal 1% (min NZ$10) |
| International Student Account | No monthly fee | EFTPOS and Debit MasterCard no fee; Airpoints Debit Card NZ$15 annual; Westpac ATM withdrawals free; FX 25% discount on Westpac's FX margin |
| Business Transact account | NZ$7 per month | Automated payments setup free; setting up each direct debit NZ$5; international transfer NZ$10 + 1% conversion fee + intermediary fees; Westpac ATM withdrawals free |
Your consumer rights in New Zealand
Dispute and complaint pathways
You must generally seek a refund or correction from the merchant first; banks expect proof you attempted resolution before escalating a dispute.
If the merchant refuses, lodge a formal dispute with Westpac including documentation of your contact with the merchant.
Regulatory context and remediation
Westpac NZ has acknowledged regulatory remediation for past over‑charging and self‑reported to regulators, with remediation completed for affected customers.
If you believe a broader regulatory issue applies to you, you may also contact the Financial Markets Authority or Banking Ombudsman for guidance.
Customer experiences
Positive feedback
Some customers report helpful, friendly local branch staff and responsive NZ phone operators.
Support from fraud teams has been appreciated in reviews describing timely assistance for suspicious activity.
Negative feedback
Other customers report problems with the banking app, difficulty transferring between accounts and slow responses to refunds or investigations.
Delays in investigations (for example, multi‑day investigations for double debits) and non‑responsive outcomes are reported in some reviews.
Documentation checklist
What to prepare before cancelling
- Account number, full name, and photo ID (driver licence or passport).
- Details of linked cards, direct debits and recurring payments to be cancelled.
- Final balance instructions (where to transfer remaining funds) and any cheque or deposit evidence.
What to include for disputes or refunds
- Receipts, transaction IDs and dates for disputed charges.
- Proof of your contact with the merchant (emails, screenshots, chat transcripts).
- Any merchant responses and a clear statement of the remedy you requested.
Common mistakes
Assuming Westpac can cancel merchant subscriptions
Many customers expect Westpac to stop subscriptions started through Apple Pay or Google Pay; banks and wallets cannot cancel the contract for you.
You must cancel directly with the merchant; if that fails, use merchant contact records when you lodge a dispute with Westpac.
Not keeping proof of contact
Customers sometimes fail to keep emails or screenshots showing they asked the merchant for a refund.
Without that proof Westpac is unlikely to progress a reversal, so always save communication records before escalating.
Comparative recap
At-a-glance comparison
| Topic | Westpac approach | Recommended action |
|---|---|---|
| Cancelling subscriptions | Must cancel with merchant; Apple/Google Pay cancellations via bank are not sufficient | Contact merchant first; keep proof; then lodge dispute with Westpac if unresolved |
| Refunds and disputes | Bank requires merchant contact and documentation before formal dispute | Collect receipts and communication, then submit to Westpac for investigation |
| Timing for investigations | Investigations can take several working days; provisioning varies by case | Expect a multi‑day process; follow up with Westpac if no update |
After cancelling
Confirmations and follow-up
Ask Westpac for written confirmation of account closure and any final balance movement details.
Keep copies of closure confirmation and all related correspondence for at least several months.
Useful links
- Westpac NZ Help centre
- How to stop recurring payments made with Apple Pay or Google Pay (Westpac NZ Help)
- How to dispute a credit or debit Mastercard transaction (Westpac NZ Help)
Address
Postal address
Westpac New Zealand Ltd, PO Box 934, Shortland Street, Auckland 1140
Other contact options
You can also visit a local branch or call Westpac NZ customer support to start account closure or raise disputes.
When sending postal requests, include your account details and signed instruction to avoid delays.
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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.