Tell your bank to cancel your direct debit
You can tell your bank to cancel the direct debit in a number of ways:
- Call them
- Drop into the branch
- Send the bank an email
- Do it online at the bank's website (if available)
Whatever way you use, make sure you keep details of when and how you cancelled. If you sent an email keep a copy of the email. If you told the bank, make a note.
You can make the cancellation immediate or set a future date for cancellation.
Once your bank has been told to cancel the direct debit, they're obliged to make sure no more payments are debited from your account.
Note that there's a slightly different cancellation procedure depending on whether your direct debit is from:
Cheque or savings account
If your direct debit is from a cheque or savings account, then the bank must cancel your direct debit when you tell them. There's no need for you to contact the business you're paying (Step 2).
Credit card or MasterCard or Visa Debit card
If your direct debit is from a credit card or MasterCard or Visa Debit Card, then you must notify the business you're paying, in writing, before or at the same time as you notify the bank. (See Step 2.)
Use this letter template (Word 221kb) to request a direct debit cancellation from your bank.