Where to cancel
Every subscription is bought on finthy.com, so there is one place to cancel it. Go to Settings → Subscription and choose Cancel Subscription. You are asked to confirm, with Keep Subscription and Yes, Cancel.
If you are on the card-free trial
There is nothing to cancel. Finthy tells you as much: “No card is on file, so you won’t be charged when your trial ends and there is nothing you need to cancel. If you cancel anyway, you keep access until the trial ends.”
What happens next
- You keep access until the end of the period you have paid for. Cancelling is not immediate and there is no partial refund, because you keep what you bought.
- Settings then shows “Your subscription will end on {date}”.
- You will not be charged again.
- After that date you are on Free.
If you are over the free limits
Finthy warns you before you confirm, with your actual numbers: “You’re over the free plan limits. You currently have 6 bank connections (free limit: 2) and 14 accounts (free limit: 4).”
What it promises then is worth reading carefully, because it is better than people fear:
- Your data will not be deleted.
- Automatic sync will be paused for the bank connections over the limit.
- Manual accounts will continue to work normally.
So you are not losing history, accounts or transactions. You are losing automatic updating on the connections that no longer fit, and you keep full use of everything by hand. Transaction history also returns to the last 90 days of visibility on Free; the older data is hidden rather than removed, and comes straight back if you subscribe again.
If you would rather keep a specific bank working by hand, Keep manually on that connection turns it into a manual bank and keeps its accounts and history.
Changing your mind
Before the end date, Resume Subscription in Settings undoes the cancellation and you carry on uninterrupted. After the end date, subscribe again from Settings → Subscription; your data is still there and the plan picks it back up.
Deleting your account is a different thing
Cancelling ends the payment. It does not delete your account or your data. If you want the account gone, that is a separate action in settings, and it is permanent.