Is there a cancellation fee with S&W?

There is no flat cancellation fee. For the Digital Tax Returns product, if you cancelled within 14 days but asked S&W to start work during that window, you owe a pro-rata amount for work already performed. For bespoke accountancy or audit engagements, fees are charged for time and work-in-progress up to the date you give written notice, read your engagement letter for any notice period.

Can I get a refund from S&W after the 14-day window?

Statutory cancellation rights only apply during the first 14 days of a consumer subscription like Digital Tax Returns. After that, refunds are discretionary and depend on whether the service has been delivered. If you believe you were overcharged or work was sub-standard, raise it under S&W's complaints procedure, escalate in writing to the Head of Legal at 45 Gresham Street, London EC2V 7BG or by phoning 020 7131 4000.

How do I cancel an audit or tax engagement with S&W?

Write to your S&W engagement partner stating you wish to terminate the engagement, the effective date, and where you want your records sent. Reference the termination clause in your signed engagement letter. S&W will issue a final fee note for work performed up to that date. If you're moving to a new accountant, they'll send a professional clearance letter that S&W must respond to under ICAEW rules.

REFUND GUIDE

How to Get an S&W Refund Within 14 Days.

Inside 14 days their own policy is on your side; statutory cooling-off rights may stack on top. Outside it, you've still got tools, a clear email, a card-issuer chargeback, the lot. Here's the playbook for S&W.

Last verified 15 Jun 2026 against S&W’s own Terms · UK, US, and EU rights covered below

The short answer

The Digital Tax Returns product gives consumers a 14-day right to cancel and receive a full refund via the original payment method. If you asked S&W to start work during that window, you owe a pro-rata amount for what was already done. For bespoke accountancy/audit/tax engagements there is no automatic refund, termination is governed by the engagement letter, and S&W invoices for time spent up to the cancellation date. Complaints about fees can be escalated to the Head of Legal at 45 Gresham Street.

Or let yoink chase the refund.

30 seconds to set up. yoink emails S&W, cites the policy, escalates if ignored, and surfaces the win when the money lands.

Get yoink (App Store) →

What S&W actually says

“To exercise the right to cancel, you must inform digitaltax@swgroup.com of your decision to cancel this contract by a clear statement (e.g. a letter sent by post or e-mail). If you cancel this contract, we will reimburse to you all payments received from you. The reimbursement will be made without undue delay, and not later than 14 days after the day on which we are informed about your decision to cancel this contract.”
, verbatim from S&W’s terms

14-day cancellation windowPro-rata refund: yesStatutory cooling-off: 14 days in UK + EU on new subs

How long does a S&W 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.

Note S&W’s own policy works on a 14-day window, ask inside it and the request is routine; outside it you’re relying on goodwill or statutory rights.

What you can claim

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

United Kingdom

Section 75, Consumer Credit Act
Credit card issuer is jointly liable. £100-£30,000.
For UK credit-card charges between £100 and £30,000, your card issuer is jointly liable with S&W for any breach. Call your bank, say “Section 75 claim”, send evidence. Usually resolved in 2-4 weeks.
Consumer Contracts Regulations 2013
Full refund within the 14-day window.
Inside 14 days of starting any S&W subscription, you’re entitled to a full refund of any payment taken, no questions, no policy override.
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 S&W can’t ignore.

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, S&W has ~45 days to defend. Works regardless of where S&W 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 States, European Union)

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 S&W charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.

European Union

Consumer Rights Directive 2011/83/EU
14-day withdrawal across all EU member states.
EU-wide statutory right to withdraw and recover any payment within 14 days of subscription start. Mirrored in local law in every EU country.
ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If S&W 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 digitaltax@swgroup.com, the route yoink has verified actually gets read for S&W.
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi S&W team,

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

Under the Consumer Contracts Regulations 2013, I'm entitled to cancel this contract by notice through the same channel it was formed in. Please confirm by reply that the refund will be processed to my original payment method.

If a full refund isn't available under your policy, I'd accept a pro-rata refund for the unused portion.

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 S&W

Email **digitaltax@swgroup.com** with a clear statement that you want to cancel, a one-line message naming your account and the date you signed up is enough. Under S&W's own terms, sending the notice before the 14-day cancellation period ends is sufficient to meet the deadline, and S&W must refund all payments within 14 days of receiving it, via your original payment method.

Cancelling rather than claiming money back? See the S&W cancellation guide. For every other support channel, the S&W contact guide.