Once you know what you pay for, take action. This hub provides everything you need to cancel subscriptions, get refunds, negotiate lower prices, and earn cashback on the services you keep.
For informational purposes only. Not financial advice. Outcomes are not guaranteed. See disclaimer.
Ready-to-use cancellation letters for any subscription service. Each template is formatted for email and covers the essentials — your account details, the subscription name, and a clear request to stop billing. Available as part of the cancellation email template pack.
Standard cancellation letter
For any subscription: request immediate cancellation and written confirmation.
Cooling-off period cancellation
For subscriptions cancelled within the statutory cooling-off period (usually 10 business days in Australia under the Australian Consumer Law).
Unwanted renewal cancellation
For annual subscriptions that renewed without adequate notice. Requests cancellation and full or pro-rata refund.
Free trial to paid conversion — cancellation
For subscriptions that converted from a free trial without clear consent. Requests immediate cancellation and refund of the first charge.
If you were charged for a subscription you didn't use, didn't authorise, or forgot to cancel, you may be entitled to a refund under Australian Consumer Law. These templates help you ask — results are not guaranteed and depend on the provider's policies.
Accidental renewal refund request
For annual subscriptions that renewed automatically. Many providers offer a 7–14 day refund window if requested promptly.
Double-charge refund request
For billing errors where you were charged twice in the same period.
Service not delivered refund request
For subscriptions where the service was unavailable or not as described during the billing period.
Unauthorised charge dispute
For charges you did not authorise. Includes guidance on escalating to your bank if the provider does not respond.
Many subscription services offer retention discounts — price reductions given to customers who ask. These templates are designed to help you request a lower price without cancelling. Outcomes are not guaranteed and vary by provider.
Retention discount request
Reference a competitor's lower price and ask for a matching offer. Effective with streaming, software, and mobile plan providers.
Loyalty discount request
Reference your subscription history and ask for a loyalty rate. Works best for long-standing subscriptions.
Hardship discount request
Request a temporary price reduction due to financial difficulty. Most major providers have a hardship policy.
Bundle discount request
If you have multiple services with the same provider, request a bundle rate or family plan discount.
Cashback platforms give you a percentage of your spend back as cash when you shop through their links. Using these for subscription sign-ups and renewals is one of the easiest ways to reduce net subscription costs.
ShopBack
Australia's largest cashback platform. Covers hundreds of retailers and subscription services. New users can earn a sign-up bonus via the Referral Codes page.
Cashrewards
Australian cashback platform with strong coverage of telco, insurance, and financial services.
TopCashback
International cashback platform with high rates on software and SaaS subscriptions including antivirus, VPN, and cloud storage.
These platforms help you spend smarter, earn interest on savings, or access crypto and investment products. Many offer referral bonuses when you sign up through a referral link. See our Referral Codes page for current codes. Some links are referral links — we may receive a small bonus if you sign up.
Up Bank
Australian digital bank. Sign up and make 5 eligible card transactions within 30 days to get $30 (18+). See Referral Codes page for the current code.
Ubank
Australian digital bank. Enter the referral code during sign-up and make 5 eligible transactions within 30 days to get $30 (18+). See Referral Codes page.
Swyftx
Australian crypto exchange. Sign up, complete identity verification, make a fiat deposit and a trade within 30 days to receive $10 AUD of Bitcoin. T&Cs apply.
CoinSpot
Australian crypto exchange. Sign up with the referral code and make your first AUD deposit to receive $10 in Bitcoin. See Referral Codes page.
Start by finding what you actually pay
Upload your bank statement — results in under 60 seconds.
Get my subscription report →Go further
Once you've found your subscriptions, these tools help you take action faster.
Cancellation email templates
$19.95 AUD
18 proven templates to cancel subscriptions, request refunds, and negotiate lower rates — without calling anyone.
Subscription report
$29.95 AUD
See exactly what you're paying — uncover hidden subscriptions and find what to cancel first.
1:1 Spending Optimisation Session
$395.00 AUD
60-minute personalised session. Every subscription identified, categorised, and actioned. Written plan included.
All products are for informational purposes only. Not financial advice. Results will vary. Disclaimer · View all referral codes →