In 2025, Cash App’s parent company Block, Inc. agreed to resolve a class action lawsuit by setting aside $12.5 million to compensate U.S. users who allegedly received unsolicited promotional text messages. Eligible claimants may receive up to $147 under the terms of this settlement.
Cash App offers a feature called “Invite Friends”—users can refer others via text messages. Plaintiffs argued that many of these referral texts were sent without the recipients’ clear and affirmative consent, violating Washington state laws such as the Commercial Electronic Mail Act (CEMA) and the Washington Consumer Protection Act.
Rather than contest a protracted lawsuit, Block agreed to a settlement of $12.5 million to resolve the claims. Importantly, Block does not admit wrongdoing as part of the settlement terms.
| Item | Detail |
|---|---|
| Total Settlement Fund | $12,500,000 |
| Maximum Payout per Claimant | Up to $147 |
| Estimated Range | Likely between $88 and $147 per person based on pro rata division |
| Eligible Dates | Received referral text between Nov 14, 2019 – Aug 7, 2025 |
| Geographic Limitation | Must have been a Washington state resident at the time |
| Claim Deadline | October 27, 2025 |
| How to Receive Payment | Via mailed check or direct deposit / electronic transfer |
| Consent Requirement | Must not have clearly and affirmatively consented to receiving the messages |
To claim a share, you must meet all the following:
- Resided in Washington when you received the texts.
- Received one or more Cash App referral texts between November 14, 2019 and August 7, 2025.
- Not have given affirmative consent to receive those messages.
- Submit a valid claim by the deadline (October 27, 2025).
See also Tips for Running Virtual Maker Programs for Young Children
Note: This settlement is not for general marketing texts, and is limited to the referral / “Invite Friends” messages covered under the lawsuit.
Because the settlement is divided pro rata among valid claimants (after legal fees, administration costs, etc.), the actual per-person payout will depend on how many people file valid claims.
Public estimates suggest a range between $88 and $147.
- Wait for the official settlement website or notification with a claim form. The notice period and administrator details will be posted.
- Provide required information: the phone number that received the text, attestations about consent, and proof of Washington residency at the time.
- Submit the claim before October 27, 2025. Claims filed late may be rejected.
- Payment method selection: choose direct deposit / electronic transfer or mailed check.
Once the claims are reviewed and approved, payments will be disbursed accordingly.
This $12.5M spam text settlement is separate from a larger $15 million class action settlement involving data breach and security lapses on Cash App accounts.
That settlement covers allegations of unauthorized account access, mishandling of user data, and fraudulent transactions. Eligible users for that settlement could receive up to $2,500 for documented out-of-pocket losses, plus compensation for “lost time.”
Be careful not to confuse the $147 spam text settlement with the $15M security/data settlement, which has different eligibility, timelines, and procedures.
- The lawsuit reinforces that user consent is central in digital communications — even referrals and promotional texts must follow proper opt‑in rules.
- It shows that fintech platforms are not immune to spam or consumer protection laws.
- It encourages users to stay informed about settlement notices and class actions, because many go unclaimed.
- Even if you’re outside Washington or the U.S., the case serves as a precedent on enforcing privacy and marketing compliance.
The Cash App $147 Settlement 2025 offers a unique chance for qualifying Washington residents to receive up to $147 each from a $12.5 million fund, as compensation for unsolicited referral texts sent without proper consent. But timing and eligibility are strict — you must submit a valid claim by October 27, 2025, and meet all the residency and consent requirements.
No — you must have been a Washington state resident at the time you received the referral text (during Nov 2019 to Aug 2025). Current residence does not necessarily matter.
If you provided clear and affirmative consent to receive the messages before your receipt, you likely are ineligible, because the settlement requires you to not have consented in advance.
No — this class action is limited to U.S. users, specifically those who received messages while in Washington state. International users are excluded.
