As I understand: - the account is only valid for 2 years - the monthly fee is only deducted from account that has funds on it
Actually, you are wrong on both accounts. ePassporte accounts like all credit cards, you pay an annual fee and the account would be valid for one year. The VCC expiry date is set for 2 years. To cancel the account, just use the Support Form and contact them and tell them that you want to disable your account. Make sure that you have no balance in there. In about 3 weeks (in my experience), they will disable the account.