How to cancel icloud subscription

I would like to cancel my icloud subscription and remove the payment method which is on my account.

See this Apple article: Downgrade or cancel your iCloud+ plan

Downgrade or cancel your iCloud+ plan - Apple Support (PH)

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• Before you downgrade or cancel your iCloud+ plan, first download or remove content that exceeds your new storage amount. To make sure that you don't lose any information, learn how to copy what you store in iCloud.

You can Downgrade or cancel your iCloud+ plan from:

• How to downgrade or cancel your iCloud+ plan on your iPhone, iPad, or iPod touch
• How to downgrade or cancel your iCloud+ plan on your Mac
• How to downgrade or cancel your iCloud+ plan on your Windows PC

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and it is deducting 81 $ every year from my account. I have already requested a refund for that. Please refund this amount

and cancel all my current subscriptions

1.

If you have received an invoice from Apple, on every invoice from the Apple Store and/or iTunes Store always states what you have purchased (and/or concerns a subscription) and the amount.

Tap on Report a problem on the invoice.

Or try to ->  Request a refund for apps or content that you bought from Apple.

Request a refund for apps or content you've bought from Apple – Apple Support (UK)

If you have requested a refund, you must wait until Apple has approved. Then you will receive a message from Apple.

Refunds are not guaranteed. For more information, see the Terms & Conditions.

2.

If an app has a subscription associated with it, see -> Delete apps on your iPhone, iPad, and iPod touch -> Delete apps on your iPhone, iPad, and iPod touch - Apple Support

• If you delete an app, it doesn’t cancel in-app subscriptions that you might have. While deleting an app, you might see a Cancel Subscriptions option. Learn how to cancel your subscriptions.

If you don't want to continue a subscription you need always to cancel that subscription in time, see the following Apple articles:

If you want to cancel a subscription from Apple

If you want to cancel a subscription from Apple - Apple Support

If the subscription that you want to cancel is not listed

If the subscription that you want to cancel is not listed – Apple Support (UK)

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and remove the payment method (the credit card) from my account.

See -> Remove a payment method from your Apple ID

Remove a payment method from your Apple ID - Apple Support

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If you can't remove a payment method

If you have subscriptions like iCloud+, have an unpaid balance, or you use purchase sharing, you must keep at least one payment method on file.

• Do you have a subscription? You can cancel iCloud+ and cancel other subscriptions from Apple. When your subscription period is over, remove your payment method.
• If you're in a Family Sharing group and you use purchase sharing, the family organizer must have a payment method on file. If you're the family organizer, turn off purchase sharing, then remove the payment method.
• If you have an unpaid balance, you might not be able to remove a payment method. Instead, change your payment method.
• 👉 If you still can't remove a payment method, contact Apple Support.

If you have followed all the steps and instructions and if you still need help, get support from Apple directly -> Get Support or call Apple in your region see -> Contact Apple for support and service or check -> here for more support and assistance.