Payments & Cards HI

How to Cancel an Automatic Payment Instruction (Bank Screens)

~6 min 5 steps Verified:

Short answer

Cancel an automatic payment instruction from your bank's online banking under Payments > Automatic Payment Instructions. Cancelling stops future charges, but you must also cancel the subscription with the merchant — otherwise the debt keeps accruing.

01 — Step by Step

Step-by-step fix

  1. Open your bank's online banking

    In mobile or web banking, open the 'Payments' menu and find 'Automatic Payment Instructions' / 'My Instructions'.

  2. Select the instruction

    Instructions are listed by biller and subscription number. Find the one you want to stop.

  3. Confirm cancellation

    Tap 'Cancel instruction' and complete SMS verification if asked. No further charges are made for the next period.

  4. Cancel the subscription with the merchant

    To stop the service itself (e.g. Netflix, gym), cancel on the merchant's own screen. The bank instruction only closes the payment channel.

  5. Save the confirmation

    Keep the cancellation SMS or email as proof for future disputes.

02 — FAQ

Frequently asked questions

01What happens to my debt after cancelling the instruction?
Future charges stop, but amounts due up to the cancellation still must be paid. The merchant moves collection to alternative channels.
02Can I cancel by phone?
Yes, most banks accept instruction cancellations via phone banking after identity verification. Doing it in the app gives you a record.
03Is credit-card auto-pay the same thing?
Yes. Automatic credit card balance payments are also instructions and are cancelled in the same menu.