Is there a cancellation fee for ARQ Premium or Prestige?

No. ARQ's help centre states you can deactivate the membership at any time to avoid the next month's charge **without any penalties**. What ARQ does *not* promise is a refund of the cycle you already paid, deactivating is forward-looking. If you hold Prestige with the secured credit card, clear any outstanding statement first: unpaid balances carry over to the next cycle with a financing fee of 0.7% (Mexico, Colombia, Argentina) or 0.8% (Brazil), and that charge is separate from the membership itself.

Will I lose my money or my card if I cancel?

Cancelling the **membership** doesn't close your account, you drop to the free Standard plan and keep your balance, account details and ARQCard. What stops is the boosted rate set: the higher save yield, the 1 to 2% cashback tier, the free international transfers and the fee-free ATM allowance. Cancelling the **account** is different: withdraw your USDc/EURc to your linked bank first, because once an account is closed or permanently restricted ARQ says the balance is returned to the bank accounts you originally topped up from, which is slower than doing it yourself.

Can I get a refund after ARQ charged me for the renewal?

There is no published refund window for the membership fee, the documented remedy is deactivating before the next charge. That doesn't make a refund impossible, it makes it a written request. Email **help@arqfinance.com** within 24 hours of the charge with the transaction date, the amount ($6.99 / $69.99), your ARQtag, and a clear line that you did not intend to renew. If the renewal landed while your account was frozen for verification, say so, you were billed for benefits you could not use, which is the strongest argument available.

Does ARQ Premium have a free trial and does it auto-renew?

Yes, ARQ runs a Premium free trial (the help centre notes the trial excludes free shipping for the physical card). ARQ doesn't publish the trial length publicly, so check the exact end date shown in the Premium tab the day you activate. Renewal after the trial is **automatic**, billed in USDc from your ARQ balance. Set a reminder for 48 hours before the trial ends and deactivate then if you don't want it, deactivating stops the next charge but ARQ doesn't advertise a refund for one already taken.

Can I cancel ARQ through the App Store or Google Play?

No, and this trips people up. ARQ memberships are charged in USDc from your ARQ account balance rather than as an Apple or Google in-app purchase, so no subscription line appears in your iPhone or Android subscription settings to cancel. The only working route is the Premium tab inside the ARQ app. If the app won't load or you're locked out of the account, email **help@arqfinance.com** from your registered email address, the developer replies on both stores direct users to exactly that address.

My ARQ account is blocked and I can't withdraw my money, what do I do?

This is the most common complaint across Trustpilot and the app stores: accounts frozen "for verification" mid-transfer, with balances stuck. ARQ's own article says a first response comes within 24 hours of a review starting, and most restrictions lift within 1 business day once all documents are received. Send documents to **kyc@arqfinance.com**, and in the same email demand (a) the membership be deactivated so you aren't billed during the freeze and (b) your balance be returned to your originating bank account. Brazilian users can escalate to **ouvidoria.br@arqfinance.com**.

Can I downgrade from Prestige to Premium instead of cancelling?

Yes, the three tiers (Standard, Premium, Prestige) are a ladder, so stepping down to Premium at $6.99/month, or all the way to the free Standard plan, keeps your account and card while cutting the fee. Downgrading is the sensible move if you use the card abroad but don't need Prestige's credit line, metal card or 700 USDc fee-free ATM allowance. Do it in the Premium tab. One caveat: the Prestige-only secured credit product goes with the tier, so clear that balance before you step down.

Did my DolarApp subscription change when it became ARQ?

No. ARQ states the rebrand rolled out progressively from 2 March 2026, that all agreements accepted with DolarApp remain in force, that customer rights aren't changing, and that fees and exchange rates for existing products are unchanged. Your login, password, balances and card numbers carried over. What changed is where you write: use **help@arqfinance.com** now rather than the old help@dolarapp.com, and the web account moved to arqfinance.com. New products like ARQ Prestige have their own pricing that never existed under DolarApp.

REFUND GUIDE

How to Get a ARQ (formerly DolarApp) Refund.

Here's what ARQ (formerly DolarApp) actually owes you, what their policy quietly says, and how to escalate if they ignore the request.

Last verified yesterday against ARQ (formerly DolarApp)’s own Terms · UK, US, and EU rights covered below

The short answer

This rule covers the ARQ Premium / ARQ Prestige membership fee only: deactivating stops the next $6.99 monthly or $69.99 yearly charge, with no penalty, but ARQ publishes no pro-rata or money-back window for the cycle you already paid. Everything else ARQ charges, conversion spread on peso/real to USDc, ~$3 international transfer fees, ATM fees over the free allowance, card issuance, is a one-off transaction, not a subscription, and has no automatic refund route; you raise those per-transaction via in-app chat or email with the transaction ID. Balance held in USDc/EURc is not a refund question at all: it is withdrawn back to a bank account you previously topped up from, which is also what ARQ says it does if an account is closed after review. If a membership renewed while your account was frozen for verification, say so explicitly and ask for the fee back in writing.

Or let yoink chase the refund.

30 seconds to set up. yoink emails ARQ (formerly DolarApp), cites the policy, escalates if ignored, and surfaces the win when the money lands.

Get yoink (App Store) →

What ARQ (formerly DolarApp) actually says

“You can deactivate your membership at any time to avoid the next month's charge, without any penalties.”
, verbatim from ARQ (formerly DolarApp)’s terms

Pro-rata refund: noStatutory cooling-off: 14 days in UK + EU on new subs

How long does a ARQ (formerly DolarApp) refund take?

Most merchants agree to a straightforward refund within 1 to 3 working days of a well-written email request. Once agreed, the money itself takes another 3 to 5 working days to land, that part is card-network processing and no merchant can skip it. If nothing has arrived 10 working days after a written “refund approved”, reply on the same thread asking for the ARN (acquirer reference number), which your bank can trace.

What you can claim

The law where you live is the strongest hook, lead with it when you contact the company.

United States

Fair Credit Billing Act (FCBA)
Dispute any credit-card charge in writing within 60 days.
For US credit-card payments, the FCBA gives you 60 days from the statement date to dispute a ARQ (formerly DolarApp) charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.

Worldwide

Card-issuer chargeback
Visa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, ARQ (formerly DolarApp) has ~45 days to defend. Works regardless of where ARQ (formerly DolarApp) is headquartered.
PayPal Buyer Protection
If you paid via PayPal, open a dispute.
PayPal’s Buyer Protection covers “item not as described”, applies to services that didn’t deliver. Resolution typically within 20 days.

Rights in other regions (United Kingdom, European Union)

United Kingdom

Citizens Advice + Trading Standards
For repeated bad-faith refusals.
Free escalation lane: file with Citizens Advice (08082231133), they pass it to Trading Standards. Slow (8-12 weeks) but creates a paper trail ARQ (formerly DolarApp) can’t ignore.

European Union

ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If ARQ (formerly DolarApp) is based in another EU country, your local European Consumer Centre will mediate the dispute for free. List of national contacts at commission.europa.eu.

The 4-step refund email

Email the right address
Use help@arqfinance.com, the route yoink has verified actually gets read for ARQ (formerly DolarApp).
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi ARQ (formerly DolarApp) team,

I'm requesting a refund of the recent charge on my subscription, account [your account email].

Under the FTC's Click-to-Cancel rule, cancellation must be available through a channel as simple as the one I signed up through. Please confirm by reply that the refund will be processed to my original payment method.

Best,
[your name]

Wait 7-14 days, then escalate
If you haven’t heard back in 14 days, escalate via the regional route above, a card-issuer chargeback works in every market.

Refund FAQ for ARQ (formerly DolarApp)

Do it in the app, not on the website. Open the **Premium tab** at the top of the ARQ app, go into your membership, and deactivate it. ARQ's help centre is explicit that you can deactivate at any time to avoid the next month's charge, *without any penalties*. Renewal is automatic until you do this, so the timing matters more than the method. There is no web cancel page and no phone line, if the in-app toggle fails, email **help@arqfinance.com** from your registered address with your ARQtag and the words "cancel my Premium membership", and keep the reply.