How to cancel Moby: Invest Smarter and get your money back
Moby: Invest Smarter is a Finance app by MOBY TECHNOLOGIES INC.. Canceling and getting refunded are two separate things — most people do the first and assume the second happens automatically. It doesn't.
Based on 50 of the most recent public App Store reviews, sampled September 2026.
Step 1 — Stop the next charge
- On iPhone or iPad: Settings → tap your name → Subscriptions.
- Select Moby: Invest Smarter → Cancel Subscription.
- Check that it now says Expires and not Renews. If it still says Renews, it is not canceled.
Deleting the app does not cancel the subscription. This is the single most common reason people keep getting charged.
Step 2 — Ask Apple for the charge back
Answer these and you'll get the exact wording to paste into Apple's form. Nothing is sent anywhere — it's generated in your browser.
You're not the only one
Recent 1–2★ reviews of Moby: Invest Smarter on the App Store, about billing:
I paid $99 for a subscription and never received my login credentials. I emailed the company multiple times with no response at all. There is no customer support, and I still can’t access the service I paid for.
Not an impressive app, it’s repeat intro from other investing websites, with the added benefit of political snark, (yes they hate Trump) Cancelling the subscription is a total escape game. I’ve emailed them, twice and can’t get the subscription to stop. This is like Columbia house records/tapes/CDs. Still looking for a place to cancel this garage
I have e-mailed customer service in October to cancel my yearly subscription that begins again in November. My subscription was renewed still. I sent them another e-mail in November. My subscription was not cancelled as requested and I have still not heard back from them and it is currently December. There is no other way to contact somebody from Moby other than their customer support e-mail. No reply yet. If you sub…
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Questions
Can I get a refund after I already canceled Moby: Invest Smarter?
Yes. Canceling stops future renewals but does not refund a charge that already went through. You request that separately at reportaproblem.apple.com, and "I was charged after I canceled the subscription" is the reason to select.
How long do I have to ask for a refund?
Apple generally expects refund requests within 90 days of the charge. Ask as soon as you notice it — requests on recent charges are approved more often.
Apple declined my request. Is that the end?
No. A first decline is common and is often automated. You can submit the request again with more specific facts and ask for review by a senior advisor. If it is declined again, you can dispute the charge with your card issuer.
Will I lose access to Moby: Invest Smarter if I cancel?
You keep access until the end of the period you already paid for. Canceling only stops the next renewal.