Earnin is an app that lets you access the money you've already earned at work before payday. You can Cash Out up to $150 a day for free with standard transfer times or pay a small fee (starting at $2.99) for instant transfers. They also offer Early Pay, which lets you get your paycheck up to 2 days early for a $2.99 fee. Other services like overdraft protection, credit score monitoring, and saving with your paycheck are free, and instead of charging mandatory fees, Earnin asks for optional tips when you use their cash out feature.
Difficulty
12345
678910
Easy
Medium
Very Hard
The process to cancel an Earnin subscription or close an account is straightforward, requiring only a few taps within the app settings to close the account. Earnin provides clear prompts and an email confirmation after closure, making the cancellation process easy and transparent for users, with no complex steps or delays involved.
Estimated Time
On average, it takes
5 minutes
00
00
minutes to cancel a Earnin subscription.
How to Cancel Earnin: Step by Step
If you purchased through Earnin.com:
- Open the Earnin app on your device.
- Tap the ≡ triple bar icon at the lower right corner of the app screen.
- Select your profile, located where your name and phone number are displayed.
- Scroll down and tap on Close My Account.
- Follow the prompts to confirm the closure of your account.
- If you have any pending debits, you will have the option to cancel them before finalizing the closing process.
- After your account is closed, you will receive an email confirmation of the cancellation.
Tips & Tricks for Canceling Earnin
- Call your bank and request to put a stop payment on all Earnin transactions (expect a possible $30 fee).
- Explicitly tell Earnin to remove your ACH authorization to prevent further withdrawals.
- Do not accept repayment extensions
- Be clear and firm in communication
- Escalate by requesting to speak with a supervisor
- Time your cancellation request near the end of your billing cycle
- Use bank-level intervention as a final step
- Keep documentation of all communications
- Be aware that while Earnin cannot affect your credit if unpaid,
Earnin Customer Service Info
If you need assistance, here's how you can get in touch with Earnin's support team.
Cancel Earnin Script
Script
Copy
Dear Earnin Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Earnin. Due to some recent changes in my financial situation, I am unable to continue my membership at this time.
Thank you for your assistance, and I appreciate your understanding.
Best regards,
Frequently Asked Questions
Earnin's account cancellation involves closing your account through the app's settings by following a few prompts. Pending debits can be canceled if not yet processed, but canceling them means you cannot use Earnin services or open a new account until repayment. After closure, you cannot reopen the same account and must wait 7 days before reusing the same banking info, with any remaining balances sent to your linked bank account.
To cancel your Earnin subscription, you can close your account directly through the app by going to Settings, clicking on your profile, and selecting 'Close My Account.' You do not explicitly need your password mentioned in the instructions for cancellation, but since Earnin uses email and phone verification for login, you might need access to your account. If you do need to reset your password, you can do so via the login screen by selecting 'Forgot Password' or visit the reset page at https://app2.earnin.com/login to initiate the password reset process. This process does not mention needing a password for phone support or chat to cancel, so account access is primarily app-based.
- Unauthorized or fraudulent charges: Users report charges they did not authorize and seek refunds.
- Billing errors: Incorrect billing amounts or double charges.
- Difficulty canceling auto payments: Reports of difficulty stopping automatic drafts from accounts.
- Account issues: Problems such as accounts being put on hold due to failed debit attempts, preventing service use.
- Poor customer service: Lack of live support and unresponsiveness to user issues.
- Overdraft and bank fees: Users requesting refunds for overdraft fees caused by Earnin transactions.
- Confusion or dissatisfaction with fees: Users feel fees are too high or unclear, leading to cancellations.
- Reliability concerns: Service failures, payment processing issues, or app malfunctions.
- Loss of money or financial strain: Users cancel to avoid further financial loss or strain.
Earnin requires you to cancel your subscription at least 48 hours before the auto-renewal date to avoid being charged for the next period. There are no early cancellation fees or lock-in contracts, but cancellations are effective only from the next renewal, so you cannot get a refund for the current active subscription period. Refunds for auto-renewals are discretionary and not guaranteed, which can be a pitfall if you miss the cancellation window.
Before cancelling your Earnin subscription or closing your account, there are important things to know. First, once you cancel, you will lose access to your Earnin account and will no longer be able to review debit details or use Earnin services. Any pending debits must be settled or canceled before closure, and if canceled, you cannot use Earnin or open a new account until repayment is made. Your remaining Tip Yourself funds will be automatically sent to your linked bank account, but be sure to withdraw these before closing as withdrawals take 1-2 business days. Account closure is permanent and you cannot reopen the same account; you must create a new one and you cannot reuse the same bank information for 7 days after closing. Also, stopping use of the app may eventually cause Tip Yourself funds to be reported as unclaimed property if not withdrawn. Lastly, deleting the app is separate from canceling the account, so make sure to close the account properly through the app settings.
- Access to your Earnin app (must be able to log in)
- App navigation details: Locate the ≡ triple bar icon to access Settings
- Profile information (visible: name and phone number on account)
- Initiate account closure using the "Close My Account" option in your profile
- Status of pending debits: Option to cancel any pending transactions not yet processed
- Outstanding debt awareness: Cannot open a new account until any debt is paid
- Tip Yourself balance details: Remaining balance will be sent to your linked bank account automatically
- Post-closure contact method: Use question mark icon in the app's login screen for support
- Email confirmation address: You will receive a confirmation email after closing the account
- Reuse of banking information: Cannot reuse the same bank account for 7–30 days after closure (varies by source)
We've actually written a step by step guide on how to get a refund from Earnin. Check it out!
The Easiest Way to Cancel Earnin
If you’re frustrated trying to cancel your subscription, membership, or bill from Earnin—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
Start reclaiming your money today with Chargeback
What Are Some Alternatives to Earnin?
Web Authorized Pmt Earnin, Earnin PAYMENT PPD ID: 1296727000, Realtime Receive Deposit From Earnin, Earnin Paymentret Web, Earnin PAYMENTRETU, Earnin PAYMENTRET, DEPOSIT CHECK CARD EARNIN TRANSFER, Earnin REPAYMENT, Electronic Withdrawal Earnin Paymentret, Transfer Earnin, ACH/Earnin - PAYMENTRET, Earnin TRANSFER PPD ID: 1296727000, Web Authorized Pmt Earnin Active, Earnin WD TIP JAR ACH Electronic Credit, Earnin TO TIP JAR, Earnin Transfer Palo Alto C, Earnin Repayment Web, ACH Withdrawal Earnin PAYMENTRET, Earnin Active PAYMENTRET, PEER TO PEER TRANSFER CA PALO ALTO, EARNIN TRANSFE, DEPOSIT DEBIT CARD EARNIN TRANSFER, Electronic Withdrawal Earnin Active Paymen, Earnin-Activehours, Earnin Transfe Palo Alto C, EarninActivehour REPAYMENT, Withdrawal Earnin, ACH Debit - Earnin Repayment 2100002, Earnin WD TIP JAR, RTP Credit RCVD from Earnin, Electronic Deposit Earnin, Earnin WD TIP JAR PPD ID: 1808182018, Withdrawal ACH Earnin, MONEYSEND TRANS Earnin Transfer, Credit Earnin, AUTOMATIC WITHDRAWAL, EARNIN PAYMENTRET WEB (S), Earnin PAYMENTRET Dennis McKinney, AUTOMATIC WITHDRAWAL, EARNIN REPAYMENT WEB (S), AUTOMATIC WITHDRAWAL, EARNIN ACTIVE PAYMENTRET WEB, Earnin TO TIP JAR kierra nelson
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
.svg)
.svg)
.svg)
.svg)
.png)
