Cancel Ykards the easy way

Service summary

Ykards is a membership service that issues a closed-loop digital Mastercard and provides targeted instant savings at participating UK retailers. The membership offers a boost on deposits and cashback-like benefits when members shop at listed merchants.

Key features

Ykards advertises a 10% instant boost on deposits (up to a monthly bonus limit) and a digital Mastercard accepted at over 140 UK merchants. Marketing and pricing pages reference a free trial for new members and a promotional welcome refund for eligible signups.

Company facts

Web form

1. Open the welcome email you received when you signed up and follow the cancellation web form link, or visit https://ykards.com/manage-my-membership/.
2. Log in with the account email and password used to subscribe.
3. Complete the form fields, clearly state "Cancel subscription" and submit.
4. Save a screenshot of confirmation and any confirmation number or email.

Manage my membership (website)

1. Go to https://ykards.com/manage-my-membership/.
2. Sign in, go to subscription settings, and select the cancellation option.
3. Confirm cancellation and keep the confirmation message or email.

iOS / Android (mobile site or app)

1. If you used a mobile browser, follow the same web form or manage page instructions above.
2. If you used an app and cannot find a cancel option, use the account email to contact [email protected] requesting cancellation and a written confirmation.
3. Keep screenshots of the app settings, web confirmations, and the sent email.

Email

1. Send a clear email to [email protected] with the subject line "Cancel subscription - [your account email]".
2. Include your account email, full name, the last 4 digits of the card used, and the date of last payment.
3. Request written confirmation and keep the outgoing email and any reply.

Post

1. Write a signed cancellation letter including your full name, account email, last 4 digits of the card, and request cancellation.
2. Send by registered post to: Ykards, Crown Way, CF14 3UZ Cardiff, United Kingdom.
3. Keep proof of posting and the tracking receipt.

Moving abroad or relocation

If you permanently leave the UK and Ykards cannot continue to supply the closed-loop Mastercard service in your new country, state your move and attach proof: copy of new address, dated utility bill or tenancy agreement showing the new address, and a statement with the move date. Ykards does not publish a bespoke relocation policy; use the general support route and keep proof of ID and address.

Price increase

If Ykards increases the recurring fee and you wish to cancel because of the change, final terms depend on Ykards' communicated change. Provide the price increase notice (email or screenshot) and your cancellation request. Under the Consumer Rights Act 2015, contract terms that allow a unilateral, unfair price increase can be contestable. Escalate to Citizens Advice if Ykards enforces an unreasonable increase without clear prior notice.

Death of the subscriber

To close an account after the account holder dies, email [email protected] and provide a copy of the death certificate and proof of authority (executor or next of kin ID). Ykards does not publish a full death policy; keep both documents in the initial email and request written confirmation of closure.

Legitimate ground accepted by Ykards

Ykards accepts cancellation requests via the web form and [email protected]. For a money-back claim related to dissatisfaction with the first paid charge, Ykards requires an email within 30 days with account email, last 4 digits of the funding card, date and amount of payment, and a short description of dissatisfaction (see Money-Back Policy).

End of commitment

Membership renews automatically unless you cancel. If you decide not to continue, cancel before the next billing date by following the web form or emailing [email protected]. Keep the cancellation confirmation to avoid future charges.

Cooling-off period (14-day statutory right)

Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 UK residents have a 14-day right to withdraw from a distance contract starting the day after the contract is concluded for services. If you cancel within this 14-day period Ykards must refund per the statute. If you asked for the service to start within the 14-day period and acknowledged losing the right, the trader can charge a proportion for service supplied. Reference: Consumer Contracts Regulations 2013.

Before you cancel: negotiating with Ykards

Ykards does not publish a standard retention program. The research shows promotional incentives such as a £15 welcome refund credited to the Ykards Card balance after the first rebill when eligible. To ask for a retention offer, contact [email protected], mention your account email, explain why you want to leave, and request any available promotional credit. Keep all replies from support as proof. If you are inside the trial, note that cancelling during the free trial voids the £15 welcome refund offer.

What cancelling saves you - yearly math

Compute annual cost from Ykards published prices:

• Introductory monthly charge reported in pricing: £29.99 x 12 = £359.88 per year.
• Recurring monthly charge reported in pricing: £69.00 x 12 = £828.00 per year.

Cheapest real alternative listed in the competitors is Keepr at £0 monthly, annual cost £0.00. Switching from Ykards recurring monthly at £69.00 to Keepr saves £828.00 per year. Switching from an introductory-equivalent monthly cost of £29.99 to Keepr saves £359.88 per year.

Key UK consumer laws

The main protections are the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 which provide a 14-day cooling-off period for distance contracts, and the Consumer Rights Act 2015 which requires services to be performed with reasonable care and skill and prohibits unfair contract terms.

Refund timing and obligations

Where a statutory cancellation applies, refunds must be made within 14 days of receiving the cancellation notice under the Consumer Contracts Regulations 2013. Ykards separately offers a 30-day Money-Back Guarantee for the first paid charge with refunds issued to the original payment method within 5 business days of approval under their Money-Back Policy (https://ykards.com/money-back-policy/).

Escalation steps

If Ykards does not resolve your complaint: first complain in writing to Ykards ([email protected]); then get advice from Citizens Advice; for payment disputes consider your card issuer for chargeback or Section 75 where applicable; if the dispute concerns financial services or regulated card services consider the Financial Ombudsman Service. The Competition and Markets Authority (CMA) monitors unfair auto-renewal practices.

Check for confirmation

Keep the cancellation confirmation email or screenshots of the web confirmation. If no confirmation arrives within 7 days, re-send the cancellation request to [email protected] and attach proof of the original request.

Final billing and refunds

If you are eligible for the 30-day Money-Back Guarantee, email [email protected] within 30 days with your account email, last 4 digits of the funding card, date and amount of payment, and a short description of dissatisfaction. Ykards states refunds are issued to the original payment method within 5 business days of approval. If you cancelled under the 14-day statutory right, Ykards must refund within 14 days of receiving your cancellation notice.

Data and re-activation

To remove personal data or request account deletion, consult Ykards' privacy policy at https://ykards.com/privacy-policy/. To re-activate a cancelled membership, sign up again at https://ykards.com/ or request re-activation through support; re-activation may be subject to current promotions and eligibility criteria.

Follow this checklist to cancel cleanly and protect your rights.

• Take a screenshot of any on-screen cancellation confirmation.
• Save copies of emails sent to and received from [email protected].
• If claiming the 30-day Money-Back Guarantee, email within 30 days with: account email, last 4 digits of funding card, date and amount of payment, and a short description of dissatisfaction.
• If using the 14-day statutory right, send your cancellation notice within 14 days of contract conclusion and request refund within 14 days of cancellation.
• If you send a postal cancellation, use registered post to: Ykards, Crown Way, CF14 3UZ Cardiff, United Kingdom and keep the tracking receipt.
• Monitor your bank statement for any further charges for 60 days after cancellation and dispute any unauthorized charges immediately with your card issuer.