If you’ve ever gotten an annoying text from Cash App trying to get you to sign up, your phone might be worth up to $147 in cold, hard cash. That’s right – a massive $12.5 million settlement is handing out payments to folks who got these unwanted messages. But hurry! The clock is ticking, and you could be leaving free money on the table if you don’t act fast.
In this easy-to-read guide, we’ll break down everything you need to know about the Cash App settlement, from who qualifies to how to grab your share. No legal jargon here – just simple steps to check if you’re eligible and claim your payout today.
What Is the Cash App $12.5 Million Settlement All About?
Picture this: You’re scrolling your phone when bam – a random text pops up saying, “Hey, I’ve been using Cash App to send money. Try it with my code and get $5!” Sounds helpful, right? But if you didn’t ask for it, that message could be breaking the rules. That’s exactly what happened in a big lawsuit against Cash App’s parent company, Block Inc.
Back in 2019, a Washington resident named Amanda Bottoms got tired of these surprise texts from Cash App’s “Invite Friends” feature. She said the app made it too easy for users to spam their contacts without permission, violating state privacy laws like the Commercial Electronic Mail Act (CEMA) and the Consumer Protection Act (CPA). These laws protect people from unwanted marketing messages, similar to how “Do Not Call” lists stop robocalls.
Fast forward to 2025: After years of back-and-forth in court, Block Inc. agreed to pay $12.5 million to make it all go away. Important note: The company didn’t say “We did anything wrong.” They just wanted to avoid more hassle and focus on keeping users happy. This pot of money will cover payouts to affected people, lawyer fees, and admin costs. The best part? If you’re eligible, you don’t pay a dime to claim it – it’s basically free cash for putting up with spam.
This isn’t just a win for one person; it’s a class action settlement, meaning it covers thousands of everyday folks like you who got hit with those texts. And with the rise of apps like Venmo and Zelle, this case shines a light on how companies need to respect your privacy. No more turning your phone into their billboard without asking!
Who Qualifies for the Cash App Settlement Payout?
Not everyone can jump in on this – but if you’re a Washington resident, your odds are good. The settlement is super specific to protect real victims of those sneaky texts. Here’s the quick scoop on eligibility:
To snag your spot, you need to tick these boxes:
- Live in Washington State: You had to be a resident there when you got the text.
- Got a Referral Text: It had to be a promotional message pushing you to join Cash App, like the example above with a referral code.
- No Permission Given: You never said “yes” to getting these messages from Cash App or its users.
- Time Frame: The text arrived between November 14, 2019, and August 7, 2025.
Unsure if that random text counts? No sweat – head to the official site (more on that below) and use their free eligibility checker tool. It pulls from Cash App’s records to confirm without you digging through old messages.
Quick Eligibility Checklist Table
| Requirement | Details | Why It Matters |
|---|---|---|
| Residency | Must be a Washington State resident at the time of the text | Keeps the settlement focused on people protected by WA privacy laws |
| Message Type | Unsolicited referral text (e.g., “Try Cash App with my code!”) | Targets the exact spam that sparked the lawsuit |
| Consent | No prior okay from you to receive promos | Ensures only true annoyances get compensated |
| Date Range | Nov. 14, 2019 – Aug. 7, 2025 | Covers the full period of alleged violations |
| Phone Ownership | You control the phone number (not a shared or business line) | Avoids duplicate or fake claims |
If you match this, congrats – you’re in the “settlement class.” Even if you ignored the text or never signed up for Cash App, you’re still eligible. This setup makes it fair and stops companies from dodging rules in the future.
How Much Can You Get from the Cash App Settlement?
The real hook: Up to $147 per person! But like most settlements, the exact amount depends on how many people file claims. If fewer folks apply, payouts go higher – think of it as slicing a big pie where bigger slices go to early birds.
- Estimated Range: $88 to $147 for each qualifying text (most people got just one, so that’s your max).
- Pro-Rata Calculation: The $12.5 million gets split after subtracting about 30% for lawyers and costs. Then, it’s divided equally among valid claims.
- Payment Method: Once approved, you’ll get a check or direct deposit – no strings attached.
Real talk: These aren’t life-changing sums, but hey, free coffee money for zero effort? We’ll take it. Past settlements like this (think Facebook privacy suits) have paid out similar amounts, and thousands have cashed in without issues.
Step-by-Step Guide: How to File Your Cash App Settlement Claim
Don’t overthink it – claiming is easier than ordering takeout. The deadline is October 27, 2025 (just days away from today!), so grab your phone and let’s do this in under 5 minutes.
Option 1: File Online (Fastest Way)
- Visit the Official Site: Go to BottomsTextSettlement.com – bookmark it now!
- Check Eligibility: Plug in your phone number and hit “Verify.” It’ll scan Cash App’s database.
- Fill the Form: Enter your name, address, phone, and confirm you didn’t consent. No need for proof – just swear it’s true.
- Submit and Wait: You’ll get a confirmation email. Done!
Option 2: Mail It In (Old-School Style)
- Download the form from the site.
- Print, fill, and sign it.
- Mail to: Bottoms v. Block Settlement Administrator, P.O. Box 43529, Providence, RI 02940-3529.
- Postmark by October 27.
What Happens Next?
- Review Period: Claims get checked for fakes (rare, but it happens).
- Court Hearing: December 2, 2025 – the judge gives final thumbs up.
- Payout Timeline: If no appeals, money hits your hands by early 2026.
- Help If Stuck: Email info@BottomsTextSettlement.com or call 1-833-819-6479. They’re friendly and free.
Pro Tip: Do nothing, and you get zilch – but you also give up your right to sue Cash App later. So why risk it?
Why This Cash App Settlement Matters More Than You Think
Beyond the cash, this is a wake-up call for big tech. Apps are everywhere, but spam texts waste your time and battery (not to mention the privacy creep). By settling, Cash App promises better controls on “Invite Friends” features – like requiring double opt-ins. It’s part of a bigger trend: In 2025 alone, we’ve seen FTC crackdowns on Amazon and Apple for similar shady tactics.
For users, it’s empowering. You don’t need to be a lawyer to fight back – class actions level the playing field. And with digital wallets booming (Cash App has 50+ million users), expect more wins like this. Stay savvy: Always check your app settings for message permissions, and report spam to keep companies honest.
Final Thoughts: Act Now or Regret It – Your $147 Awaits!
There you have it – the full scoop on the Cash App $12.5 million settlement. If you’re a Washington resident who got that pesky referral text, this is your shot at easy money. With the October 27 deadline looming, don’t scroll past this. Head to BottomsTextSettlement.com, verify your eligibility, and file today. It’s quick, free, and could pad your wallet just in time for holiday spending.
Got questions? Drop them in the comments – we’re here to help. And share this with friends in WA; they might thank you with a Cash App transfer (the legal kind!). Remember, in the world of fintech, your peace of mind is priceless – now get paid for it.