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Cancellation Qoins: Easy Method
What is Qoins
Overview
Qoins is a subscription-based app that helps users pay down debt faster by rounding up everyday purchases and applying spare change toward loan or credit card payments.
The service operates via mobile apps and a web interface and charges a monthly fee for goal management and automation features.
How it works
Transactions are rounded or moved into a savings pool (Qoin) and then applied to designated debts or goals on your behalf.
Qoins integrates with banks and payment providers to move funds; exact behaviour depends on platform settings and linked accounts.
How to cancel Qoins
iOS (App Store) cancellation
- Open iPhone Settings.
- Tap Your Name → Subscriptions.
- Find Qoins and tap Cancel subscription.
Android (Google Play) cancellation
- Open Google Play Store.
- Tap your profile icon → Payments & subscriptions → Subscriptions.
- Find Qoins and tap Cancel subscription.
Web cancellation
- Delete all upcoming payments in your Qoins account (stop scheduled transfers).
- Contact Qoins support to request account cancellation and confirm that transfers have stopped.
What happens when you cancel
Access and features
After cancellation, your subscription will stop future renewals; you typically retain access until the current billing period ends.
Any automation tied to an active subscription may be paused or stopped immediately if scheduled transfers are deleted.
Payments and scheduled transfers
Delete upcoming payments before or after cancellation to prevent further transfers from your account.
If transfers are already in process, they may still post to your linked loan or card depending on timing and banking processing.
Data and account retention
Qoins may retain account data per its policies; request account deletion via support if you want personal data removed.
Keep records of transaction IDs and communication for future disputes or queries.
Will I get a refund?
General refund policy
Subscription fees are non-refundable except where required by applicable law, per Qoins terms and conditions.
This means routine cancellations normally do not trigger refunds for already-billed periods.
Qoin purchase exceptions
- Purchases of Qoin from BPS Financial Pty Ltd are non-refundable by default.
- A discretionary refund may be granted only if you notify the provider within 7 days of purchase.
What to do if you believe you deserve a refund
- Gather transaction receipts, timestamps, and communication logs.
- Contact Qoins support and request a refund citing your evidence.
- If unresolved, consider disputing with your payment provider or seeking advice from consumer bodies.
Qoins plans and pricing
Available plans (estimated SGD)
Below are estimated monthly prices converted to SGD from USD; actual App Store prices may differ due to regional taxes and markups.
| Plan | Price | Period | Features |
|---|---|---|---|
| One goal (Basic) | ≈ S$4.05/month | monthly | Manage a single savings or debt payoff goal |
| Unlimited goals (Bundle) | ≈ S$6.75/month | monthly | Manage multiple goals simultaneously |
| Alternative (flat fee) | ≈ S$2.70/month | monthly | Flat fee mentioned in some reviews without goal limit specified |
Pricing notes
- No official Qoins SGD pricing was found for Singapore; figures are estimates using ~1 USD = 1.34 SGD.
- App Store or Google Play regional pricing and taxes may change final amounts.
Your consumer rights in Singapore
Statutory protections
Singapore consumers retain rights under local law, including the Consumer Protection (Fair Trading) Act (CPFTA) for unfair practices.
Contract terms stating "no refunds" do not automatically remove statutory protections for faulty or misrepresented services.
Practical steps to enforce rights
- Keep records: receipts, screenshots, and timestamps of transactions and communications.
- Contact your card issuer or payment provider to raise a dispute if funds were taken incorrectly.
- Contact the Consumers Association of Singapore (CASE) for guidance or mediation if Qoins support does not resolve the issue.
When to escalate
If support is unresponsive or funds are missing, escalate promptly to payment providers and CASE to preserve dispute windows.
Document every attempt to resolve the issue with Qoins before escalating to strengthen your case.
Customer experiences
Positive feedback
Some users report Qoins helped accelerate debt repayment, citing meaningful reductions in credit card balances over time.
Other users appreciated the simplicity of round-up automation as an easy way to contribute extra payments.
Negative feedback
Multiple reports describe missed transfers, funds not reaching creditors, monthly fees still charged, and slow or absent customer support.
There are accounts of bank migrations causing accounts or funds to disappear and of refunds being delayed or returned by cheque that bounced.
Takeaway
- Most issues relate to transfers and support responsiveness rather than the core concept.
- Maintain documentation and verify transfers to your loan provider when using the service.
Documentation checklist
Essential items to collect
- Subscription receipt from App Store or Google Play (or web receipt).
- Bank transaction IDs and timestamps showing debits and credited amounts.
- Screenshots of subscription settings, scheduled payments, and any error messages.
Support communication
- Copies of emails, in-app messages, or support ticket numbers.
- Dates and summaries of phone or chat conversations with Qoins representatives.
Common mistakes
Not stopping scheduled transfers
Example: Users cancel the subscription but forget to delete upcoming transfers; money can still be withdrawn if schedules remain active.
Always delete scheduled payments in your account in addition to cancelling the subscription with the store.
Assuming automatic refunds
Example: Expecting a prorated refund after cancellation can lead to surprise charges - Qoins states subscription fees are non-refundable unless law requires otherwise.
If you need a refund, prepare evidence and contact support quickly; notify payment providers if necessary.
Comparative recap
Quick comparison
The table below summarizes cancellation method, refund stance, and common issues across platforms for fast reference.
| Aspect | iOS (App Store) | Android (Google Play) | Web |
|---|---|---|---|
| How to cancel | Settings → Your Name → Subscriptions → Cancel | Play Store → Profile → Payments & subscriptions → Subscriptions → Cancel | Delete upcoming payments and contact Qoins support |
| Refund policy | Subscriptions non-refundable except by law | Subscriptions non-refundable except by law | Qoin purchases non-refundable unless notified within 7 days (discretionary) |
| Common issues | Charges may persist if not cancelled correctly in App Store | Charges may persist if subscription not cancelled in Play Store | Transfers or account migration problems; support responsiveness varies |
Notes
- Always confirm both subscription cancellation in the store and scheduled transfer deletion in the app or web account.
- Use the documentation checklist before contacting support or disputing charges.
After cancelling
Follow-up actions
- Confirm cancellation receipts from App Store or Google Play and save them.
- Verify your bank account and the creditor to ensure no further transfers occur.
Where to read more
For independent reviews and user-reported issues, see the following resources:
Address
Registered address (from available records)
500 Yale Ave N, Seattle, Washington, 98109 US
Contact suggestion
If you need formal records or to escalate, include the address in correspondence and always attach your documentation checklist items.
Similar cancellation services
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Written by Min Hui Ng
Postclic editor · 5 years experience
Editor at Postclic for 5 years, I turn complex registered electronic mail procedures into clear, actionable English.
FAQ
To cancel your Qoins subscription on iOS, open your iPhone Settings, tap Your Name, then Subscriptions, find Qoins, and tap Cancel subscription. You can also send a written cancellation request via email or registered mail.
To cancel your Qoins subscription on Android, open the Google Play Store, tap your profile icon, go to Payments & subscriptions, find Qoins, and tap Cancel subscription. Alternatively, you can send a written cancellation request via email or registered mail.
If you cancel Qoins, you should delete all upcoming payments in your account to prevent further transfers. If any transfers are already in process, they may still post to your linked loan or card depending on timing. It's advisable to send a written cancellation request to ensure all transfers stop.
Generally, subscription fees are non-refundable unless required by law. This means that routine cancellations typically do not trigger refunds for already-billed periods. For specific refund inquiries, you can contact Qoins support via email or registered mail.
After cancellation, Qoins may retain your account data as per their policies. If you want your personal data removed, you should request account deletion via support. It's also wise to keep records of transaction IDs and communication for future reference.