How to claim the Visa & Mastercard settlement before Feb 10, 2027

Visa and Mastercard agreed to pay $167.5 million ($88.775 million from Visa and $78.725 million from Mastercard) to resolve claims that their network rules stopped independent ATM operators from charging lower fees on cheaper networks, so cardholders paid higher surcharges than they should have. Both companies deny wrongdoing.

The case is Burke v. Visa Inc. (No. 1:11-cv-01882) in the U.S. District Court, District of Columbia.

A court-appointed administrator runs the claim process and sends the payments. SettleClub is not affiliated with the administrator or with Visa & Mastercard.

Anyone in the United States who paid a surcharge (access fee) to withdraw cash from their own deposit account, using an ATM or PIN debit card, at an independent ATM (one not owned by a bank or other financial institution) between October 24, 2007 and August 14, 2026, and was not fully reimbursed by their bank. Credit card cash advances and prepaid card withdrawals do not count.

The class period is Oct 24, 2007 to Aug 14, 2026. If your purchase, account or visit falls outside those dates, you are not part of this settlement even if everything else fits.

Payments are pro-rata share of the fund from a fund of $167,500,000.

The settlement fund is split among everyone who files a valid claim, after attorneys' fees, administration costs and any service awards approved by the court, so the final amount depends on how many people file.

No documents are needed to file. The claim form asks you to confirm, under penalty of perjury, that you paid an unreimbursed surcharge in the period. The administrator may later ask for bank statements or other support. Payments are a pro-rata share of the net fund, so no amount is known yet.

You sign the claim form under penalty of perjury, so only file if you genuinely fit the class definition above. That is the whole requirement.

Submit the claim form online, or by mail so it is received by February 10, 2027. The opt-out and objection deadline is December 11, 2026. The fairness hearing is February 17, 2027 at 4:00 p.m. ET. Payments are sent digitally by email, with a paper check available on request.

The deadline is Feb 10, 2027. Filing takes a few minutes online. Keep the confirmation number the administrator gives you; it is the only proof you filed.

The court holds its final approval hearing on Feb 17, 2027. Payments go out after the judge approves the settlement and any appeals are resolved, which typically takes a few months.

Track this claim in SettleClub and you will get a reminder before the deadline and a nudge when payments start going out.