What the rules say
The CRTC's Wireless Code applies to wireless services. According to the CRTC, an early cancellation fee can't be more than the device subsidy, and it must decrease each month so it reaches zero by the end of the two-year maximum. Customers can also cancel without fees after two years, even if they signed a longer term. The Code has other protections too. Check it for the current text, because details can change and your agreement may have its own terms.
How to work out what leaving costs
- Find the cancellation clause in your contract. Look for "early cancellation", "termination" or "device balance".
- Separate the service from the device. If you financed a phone, you will normally owe the remaining device balance whether or not you cancel the plan.
- Check your account for a payoff or remaining-balance figure and ask the company for the exact amount in writing.
- Add up what you would pay to leave, then compare it with what you would save each month elsewhere. Divide one by the other to see how many months until you come out ahead.
- Check the notice period and make the date of your final bill part of the plan.
Internet, TV and other services
Home internet and TV contracts have their own rules and terms, and are not all covered by the Wireless Code. Read your own agreement.
OryzaPay is an independent service and is not affiliated with any phone, internet, utility or insurance company. This guide is general information, not legal or financial advice; your own contract and bill are what count.
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Last updated October 29, 2026.