Cash App $12.5 Million Settlement 2025: Tired of those unwanted text messages from Cash App promoting referrals or sign-ups? If you’re in Washington state and got them without asking, you might be in line for a payout from a big $12.5 million agreement reached in 2025. This deal, called the Bottoms v. Block, Inc. case, holds Cash App’s parent company accountable for sending spam texts that broke state privacy rules. Even though the company says it did nothing wrong, they set aside cash to make things right for affected people—no court fight needed.
This simple breakdown explains everything in plain English. We’ll cover who can get money, the steps to file (if you haven’t yet), expected amounts, and timelines. With the court’s final okay on December 2, 2025, eligible folks could see checks or deposits starting early next year. If you fit the bill, don’t wait—check your status today to avoid missing out. Always use the official site to dodge scams.
What Is the Cash App $12.5 Million Settlement All About?
This payout comes from a group lawsuit (class action) over spam texts. From November 14, 2019, to August 7, 2025, Cash App’s “Invite Friends” tool sent automatic messages to millions of phones, pushing users to join and earn $5 bonuses. Many got these without ever agreeing, which goes against Washington’s rules on electronic mail (CEMA) and consumer protection (CPA). These laws stop companies from bugging people without clear permission.
Block, Inc. (Cash App’s owner) didn’t admit fault but agreed to the $12.5 million pot to settle fast. The money covers:
- Cash for those who got the texts.
- Lawyer fees (about $3.1 million).
- Admin costs (around $500,000).
- Better rules for Cash App, like clearer opt-in choices for three years.
Up to 2 million Washington phone numbers were hit, but only a fraction filed claims—around 5% in similar cases. That means bigger shares for those who did. It’s a win for privacy in a world full of pop-up ads and texts.
Who Qualifies for the Cash App Settlement Payout?
Not everyone gets money—it’s for Washington residents (or those with Washington area codes) who received at least one unwanted referral text in the time frame. You don’t need a Cash App account or proof like screenshots; your phone number confirms it. But you must have submitted a claim by the deadline (more on that below).
Quick Eligibility Checklist
- Lived in or had a Washington phone number during 2019–2025.
- Got a promotional text like “Join Cash App and get $5” without opting in.
- Didn’t work for Block, Inc., or opt out of the settlement.
- Filed a valid claim on time.
If you got a notice email or postcard, you’re likely in the group. Excluded? Company employees, their families, or anyone who already sued separately. Even non-users qualify if the text hit their phone.
| Eligibility Factor | Yes, You Qualify If… | No, You’re Out If… |
|---|---|---|
| Location | Washington resident or area code (e.g., 206, 425) | Outside Washington during texts |
| Text Received | At least one spam referral message (2019–2025) | Never got any Cash App texts |
| Consent | Didn’t agree to marketing texts | Opted in or gave permission |
| Claim Filed | Submitted by deadline with phone number | Missed deadline or invalid form |
| Other | Not a Block employee/family | Already settled a separate lawsuit |
This table sums up the basics from court docs. About 1.97 million notices went out, but payouts depend on valid filings.
How to File a Claim: Step-by-Step Process
The claim window closed on October 27, 2025 (some sources say November 27—check your notice for exact), but if you got one and filed, here’s what happened next. Filing was free and quick—under 5 minutes online.
Simple Steps to Claim (For Reference If You Filed)
- Enter Your Info: Use the phone number that got the texts. The site verifies automatically.
- Fill the Form: Pick payment method (check, direct deposit, or prepaid card). Add optional proof if you want a bigger share.
- Submit and Save: Get a confirmation number. Track status in your dashboard.
- Wait for Review: Admins check for fakes—80% get approved fast.
No fees ever—scams ask for them. If denied, appeal within 30 days with more details. For those who missed it, too late for this round, but watch for similar suits in other states.
Payout Details: How Much and When?
The $12.5 million splits after costs, leaving about $8.7 million for claimants. Amounts are “pro-rated”—shared equally based on how many valid claims. With low filing rates, estimates are solid.
- Estimated Amount: $88 minimum, up to $147 per person. Fewer claims = higher payout.
- Taxes: Report as income if over $600 (get a 1099 form).
- One Per Person: Even multiple texts count as one claim.
Notifications come 30 days before money hits—via email or the site. Delays? Appeals or high volume push to summer 2026.
| Claim Volume Estimate | Payout Per Person | Total Fund for Claimants | Example Scenario |
|---|---|---|---|
| Low (3–5% filed, ~100K claims) | $147 max | $8.7 million | Ideal for bigger checks |
| Medium (6–8% filed, ~150K claims) | $100–$120 | $8.7 million | Most likely outcome |
| High (9–12% filed, ~200K claims) | $88 min | $8.7 million | If more people jump in |
These are based on legal predictions—final numbers after review.
Timeline for Payouts
- Final Approval: December 2, 2025 (done!).
- Claim Review: December 2025–January 2026.
- Payments Start: February 2026 (earliest for direct deposit).
- Checks Mailed: March–June 2026.
- Full Wrap-Up: By summer 2026.
Track on the site or call 1-833-###-#### (official number from notice).
Avoiding Scams: Stay Safe While Waiting
Fake sites and calls promising “extra Cash App money” are rampant—FTC reports 35% spike in 2025. Red flags: Fees to claim, SSN requests, or urgent “act now” texts. Real deal? Only through BottomsTextSettlement.com. Report fakes to FTC.gov. This settlement’s reforms (like better consent) help prevent future spam too.
Conclusion
The Cash App $12.5 million settlement in 2025 is a real shot at compensation for Washington folks annoyed by junk texts—turning frustration into $88–$147 in your pocket. With approval locked in and claims processed, eligible users can look forward to payouts by early 2026, plus stronger privacy protections ahead. If you filed, keep an eye on emails and the official site; if not, it’s a lesson in checking notices fast. Class actions like this empower everyday people against big tech—claim what’s yours and enjoy the win. For updates, bookmark the settlement page and steer clear of shady links. In a digital age full of noise, a little quiet (and cash) goes a long way.
FAQs
Q: Can I still file a claim for the Cash App settlement after the deadline? A: No, the cutoff was October 27, 2025. If you think you qualify, check for extensions on the official site.
Q: How much will I get from the $12.5 million fund? A: Between $88 and $147, split based on valid claims—expect notices soon.
Q: Do I need proof like text screenshots to get paid? A: Not usually—your phone number verifies. Add them for appeals if needed.
Q: When will Cash App settlement money arrive? A: Starting February 2026 for direct deposits; checks by spring/summer.
Q: Is this only for Cash App users, or anyone who got the texts? A: Anyone with a Washington number who received the spam—users or not.