If you prefer to switch to a plan with a lower cost (for example, from Velvet to Metal or from Metal to Plus), the rules vary depending on when the request is made:
• If you change your mind within 14 days from the activation of the original plan: the change is immediate. You receive a full refund for the higher plan and switch immediately to the lower plan, paying its subscription fee, with an immediate reset of the billing date.
• If you request the change after 14 days from the activation of the original plan: you will continue to enjoy all the benefits of your current plan until the end of the current monthly billing cycle, for both monthly and annual subscriptions.
The new, cheaper plan and the relative charge will then automatically activate the day after the end of the current monthly billing cycle. No refund is provided for monthly plans, while for annual plans you will receive a refund for the full months following the current one that you will not use.
💳 What happens to physical debit cards in case of a downgrade?
Here is how it works:
• Your old card (the one from the higher plan): if you kept the previous subscription for at least 10 months, the card from the higher plan remains active and you can continue to use it at no cost. If, however, you request a downgrade before reaching 10 months of subscription, the old card (Metal or Velvet) will be deactivated and you will be charged the remaining issuance cost of the card, calculated proportionally to the remaining full months relative to the 10-month period*.
• Your new card (the one from the lower plan): if you switch to a lower-cost plan and have never owned the physical card associated with that plan, you can request the new card for free. If, on the other hand, you had already received the physical card associated with the plan you are returning to in the past and had kept the subscription active for at least ten months, that existing card will remain active and you will not be able to order a new one for the same plan.
*You can check the issuance costs for each type of card here or on the page "Satispay costs for private users.
✈️ What happens to airport lounge passes if I change plans?
Airport lounge passes have a different economic value depending on the chosen subscription plan: they are discounted for Metal users and free for the Velvet plan. If you decide to upgrade, there is no problem: the passes you have already purchased remain valid and your airport access level updates instantly.
If, however, you downgrade within the first 10 months of your subscription, certain cost-recovery rules apply to the lounge passes already used:
• If you had the Metal plan: passes purchased at a discounted price and not yet used are automatically cancelled, at no cost to you. If you have already used one or more discounted passes, you will be charged the difference compared to the full price.
• If you had the Velvet plan: free passes that you have not yet used are automatically cancelled. If you have already used a free pass and then decide to switch to a lower plan, you will be charged the full cost of the pass already used.