What is the YEARLY charge on my credit card?

What this YEARLY charge usually means

A charge labeled YEARLY is commonly tied to the Yearly birthday reminders app and related in-app payment activity. Yearly is a mobile app that helps users track birthdays, send wishes, and send monetary gifts. According to the app listing and official site, users can top up a wallet and send gifts through the app, which can create card transactions that appear with a short descriptor such as YEARLY.

Because statement descriptors are often abbreviated by payment processors, the bank line may not show the full business name, app name, or purchase details. That is why a valid payment can still look unfamiliar at first glance.

Why the charge appeared

The most common reasons for a YEARLY charge include a direct in-app payment, a wallet top-up, or a fee related to sending a gift. In many cases, the cardholder or a family member completed the transaction on a phone and forgot the app name used at checkout. Another frequent cause is using a different email or phone number than expected, which makes it harder to find the receipt quickly.

If you are comparing charges across apps, similar confusion can happen with other compact descriptors such as Patreon or Cash App, where the statement text can be shorter than the brand users remember.

How to verify the payment

• Check your card statement for the exact posting date and amount.
• Search your email inboxes for receipts using keywords like "Yearly", "birthday", "gift", and the amount.
• Review app purchase history on the device that may have been used.
• Confirm whether an authorized user, partner, or family member made the payment.
• Contact merchant support with the transaction date, amount, and last 4 card digits.

Verified support details associated with Yearly include info@yearly.day and +971 58 875 4544, with the official website at https://yearly.day/.

How to stop future charges

If the charge is legitimate but unwanted, first contact merchant support and request cancellation of any recurring or stored payment setup tied to your account. Ask for written confirmation that billing has been stopped. Then remove saved cards from the app account if possible and disable any wallet auto-funding behavior. If your bank supports it, turn on real-time card alerts so you can catch new payment attempts immediately.

If you cannot access the original app account, contact support from the email address likely used when signing up and provide identifying details so they can locate the profile securely.

When and how to dispute

Dispute the YEARLY transaction with your card issuer if you do not recognize it after completing the verification steps, if support does not respond, or if you were charged in error and no refund is provided. Submit the dispute promptly, include screenshots of your support outreach, and state clearly whether the issue is unauthorized use, duplicate billing, or services not received.

Most issuers can place a block on future transactions from the same merchant descriptor and may issue a replacement card if fraud is suspected. Keep all documentation until the case is closed.

In short, YEARLY is often a real app-related payment descriptor, but it should still be reviewed carefully. Quick verification plus fast follow-up with support or your bank is the best way to prevent repeat charges and protect your account.