Get Cash Back

Recoup helps you get bank, credit card and student loan fees back¹.

Accept your friend's invitation today and instantly earn $10 commission credit.* Refunds not guaranteed. Final decision of your financial institution.

16,000 Banks & Credit Cards

141 Brokerages

40+ Student Loan Servicers

Recover fees from thousands of banks, credit cards, prepaid cards, brokerages and student loan servicers in the U.S.A.

How does it work?

Securely Connect

You safely connect your accounts to Recoup.

We File Claims

Recoup finds fees and files refund claims on your behalf.

Enjoy The Cash

Our modest fee is 25% of your refund, earned only when we are successful.

Checking & Savings Fees

Safely connect your bank accounts to find hidden overdraft, statement, ATM and hundreds of other fee types.

Credit Card Fees

Late, cash advance, balance transfer, paper statement and many more fees are found and recovered with Recoup.

Investment, 401(k), IRA and Brokerage Fees

Your brokerage may tout zero-commissions, but that doesn't mean you're not paying ACH debit fees, transfer fees, bond coupon fees, cash advance and many many more.

Student loan fees

Student loan costs are out of control. Recoup makes it easy to get your loan fees back and find better options.

Recoup members find an average of $571 in potential fee refunds per year.

1,000+ 5-star reviews

On Recoup's Survey

"It works! I got more than $300 back from my bank!!!!"

"Love Recoup!! They were able to get me back $150 back in fees!! Amazing! Thank you Recoup!"

Bank-level security you can trust. Service on your side.

Serious Security

Recoup's bank-level security protects your sensitive personal data.

256-bit Encryption

All information that travels between you and Recoup is encrypted.

Privacy and Protection

Your data is cyber insured up to $250,000 through AXA.

We Never Sell Your Data

Recoup never sells or shares personally identifiable data. Never.

You Can Delete Anytime

Cancel your entire account anytime. Your data is deleted.

Fast, Friendly Support

Need service? Just click "Help" to contact our Recoup Member Services team.

Get Started Today

Put your cash back in your pocket. Get started in 2 minutes.

Refunds Final Decision of Your Financial Institution



¹Refunds are not guaranteed, vary on a case-by-case basis, and are the final decision of your financial institution. Recoup makes no representation that we will file a refund claim for any or all fees. We make no representation that we will file claims during any regular interval. The type and frequency of claims filing is at our sole discretion based on our experience and expertise with any number of variables including, but not limited to, your bank, your fee history, and past successful refund history.

Do not use Recoup if your bank balance has been negative for more than 14 days, if you have failed to make regular payments or are otherwise in default with your financial institution. Doing so may result in your financial institution closing your account. Recoup is not intended for people who are persistently or currently overdrawn and hoping a fee refund will bring their account current. Financial Institutions close accounts, with or without filing a bank fee refund claim by yourself or through Recoup, when account balances are negative for anywhere from 14-90 days. Do not use Recoup if you feel you have overused fees at your bank. Doing so may result in you bringing this to your bank’s attention sooner than otherwise — resulting in your bank closing your account. Recoup is intended only for people who have current accounts in good standing with their financial institution seeking to get some fees refunded as a courtesy.

Security is essential to everything we do at Recoup. Separate access controls are enforced at each layer of infrastructure. Multi-factor authentication is required for access to our infrastructure. All application and user access logs are stored centrally and monitored. Recoup’s infrastructure regularly undergoes both internal and external network penetration tests, and third-party code reviews. Our technology has also completed a SOC 2 report. Recoup’s platform allows client requests using strong TLS protocols and ciphers. Communication between infrastructure and financial institutions is transmitted over encrypted tunnels. All client communication with banks utilize cryptographically hashed headers and timestamps to verify authenticity.

Third party information provided for product features, communications, and communications emanating from social media communities, email, data and other information available through Riddlic, Inc dba Recoup are meant for informational purposes only and are not intended as an offer or solicitation for the purchase or sale of any financial instrument or cryptocurrency or as an official confirmation of any transaction. 

The information provided is not warranted as to completeness or accuracy and is subject to change without notice. Any information about the Recoup platform, e-mails, or any other communications, are meant for informational purposes only and are not intended as an offer, solicitation, or advertisement for Recoup or any goods or services offered by Recoup or third parties. The Recoup website provides its users links to social media sites and email. The linked social media and email messages are pre-populated. However, these messages can be deleted or edited by users, who are under no obligation to send any pre-populated messages. Any comments or statements made herein do not reflect the views of Riddlic, Inc. or Recoup, or any of their subsidiaries or affiliates. 


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