What happens if I cancel my F45 direct debit without notifying the gym?

Never cancel your direct debit before getting written confirmation of cancellation from F45. Doing so counts as non-payment and may result in debt collection action, even if you've stopped attending. Always cancel the debit only after the gym confirms your membership has ended.

Can I freeze my F45 membership instead of cancelling?

Most F45 locations offer membership freezes for medical or travel reasons. A freeze typically costs $5–$10/week and suspends your access without cancelling. Ask your home club about freeze terms before committing to a full cancellation.

Do all F45 studios have the same cancellation terms?

No. F45 is a franchise — each studio sets its own membership terms within F45's franchise framework. Always refer to your signed membership agreement for the specific terms at your studio. Terms can differ significantly between Auckland, Wellington, and Christchurch studios.

Can I transfer my F45 membership to another studio?

F45 membership transfers between studios are at the discretion of the individual studio operators. Some studios allow transfers; others require you to cancel and rejoin at the new studio. Ask both studios directly before cancelling.

NZ Gym Guide

F45 NZ — Cancellation Facts at a Glance

Detail	What you need to know
Minimum contract	Flexible — typically monthly or quarterly
Notice period required	30 days notice or as stated in your studio membership agreement
How to cancel	F45 operates as a franchise — cancellation is handled by your individual studio, not a central F45 office. Contact your studio directly by email or in person.
Early exit fee	Varies by studio. Most studios allow cancellation at end of any billing period with 30 days notice. Early exit may incur one additional monthly fee.
Direct debit	F45 charges monthly by direct debit. After written confirmation of cancellation, cancel your direct debit authority through your bank once the final charge has cleared.
NZ Consumer Law applies?	Yes — see section below

Step 1 — Find Your Contract End Date

Before doing anything else, locate your original membership agreement and confirm your contract end date. For F45, the minimum term is Flexible — typically monthly or quarterly. If you're unsure, call or visit your home club and ask — they are required to tell you. Write the date down before contacting them.

Step 2 — Give Written Notice

F45 operates as a franchise — cancellation is handled by your individual studio, not a central F45 office. Contact your studio directly by email or in person. Send your notice with enough lead time to cover the notice period of 30 days notice or as stated in your studio membership agreement. Your notice period starts from the date the gym receives your notice — not when you send it. Always use email so you have a timestamp and a record.

Step 3 — Use This Cancellation Email Template

Copy and paste this template. Fill in the [brackets].

Subject: Membership Cancellation Request — [Your Full Name]

To: [Your F45 studio email — find on your membership agreement or studio website]

Hi [Studio Name] team,

I am writing to formally request cancellation of my F45 membership.

Name: [Your full name]
Membership number: [If known]
Home studio: [Studio name]
Requested cancellation date: [Date — at least 30 days from today]

Please confirm receipt of this cancellation request and provide written confirmation of my membership end date and final billing date.

Thank you,
[Your name]
[Phone number]

Step 4 — Get Written Confirmation

Do not consider your cancellation complete until F45 confirms it in writing. Reply to ask for confirmation if you don't receive it within 3 business days. If the club is unresponsive, escalate in writing to F45's national customer service team. Keep every email.

Step 5 — Cancel Your Direct Debit (At the Right Time)

Only cancel your bank direct debit after you have received written confirmation from F45 that your membership has ended. Cancelling before this point is treated as non-payment. F45 charges monthly by direct debit. After written confirmation of cancellation, cancel your direct debit authority through your bank once the final charge has cleared.

Your Rights Under NZ Consumer Law

F45 memberships are covered by the Consumer Guarantees Act 1993 and Fair Trading Act 1986. Because F45 is a franchise, membership terms vary between studios — this means your contract is with the studio operator, not F45 Training globally. If a studio charges fees not disclosed in your agreement, this may be a Fair Trading Act breach.

The NZ Commerce Commission has guidance on unfair contract terms — gym contracts that automatically roll over without clear notice, or that charge excessive cancellation fees, may fall foul of the Fair Trading Act 1986. If you believe you're being charged unfairly, contact the Commerce Commission or lodge a dispute with the Disputes Tribunal (free to use for claims under $30,000).

Common Problems and How to Handle Them

Studio says cancellation must be in person — you have the right to cancel in writing. Send via email and request written confirmation.
Studio is unresponsive — escalate to F45 Training NZ's national contact. If still no response, contact your bank to dispute further charges.
Studio closed down — if your F45 studio has closed, contact your bank immediately to cancel the direct debit. You are not obligated to pay for services not delivered.
Charged after cancellation — if a charge occurs after your confirmed cancellation date, contact your bank to reverse the transaction and send the gym your written confirmation as evidence.