Want your bank fees back?

Avoiding bank fees is hard. Recoup makes it easy to get your overdraft, late fees and much more refunded.

Special Discount

Recoup is free to use. Normally, our share is a modest 25% of successful refunds. No refunds? No commission! For Oldme members, our share is only 15%!

15,000 financial institutions

You can use Recoup to recover fees from 15,000 banks, credit cards, and prepaid cards in the U.S.A. and Canada. There’s no app to download, and it's free to use. Protect just your checking — or every card in your wallet. With Recoup, your cash back potential is unlimited.

Uncover your hidden bank fees.

Safely link your bank, credit card, and prepaid accounts to Recoup.

Automatically file your claims.

Recoup automatically files bank fee refund claims on your behalf. No hassle. No begging. We do all the work for you.

Get your bank fees back.

If your bank, credit card, or prepaid card refunds fees, the cash goes to you. Back into your account. Instantly available for you to spend. After all, it's yours!

Split your savings.

Recoup is free to use. If we successfully get you bank fee refunds, our share is a modest 15%. No refunds? You pay nothing! No hidden fees. Ever.


Always know where you stand.

Stay on top of your money with bank fee notifications and alerts anytime you're in danger of overdrafting or incurring late fees.

You stay protected, automatically.

Recover your money effortlessly. Recoup's automatic detection and claim filing helps you put bank fee refunds on autopilot.

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

4.6 / 5.0 Net Promoter Score

1,000+ 5-star reviews

On Recoup's Net Promoter Score 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!"

"As a grad student, it's great that I can get refunded the fees that perpetually keep me in debt."

"I never thought Wells Fargo would give me $265 back! Keep up the amazing work 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 Antyime

Delink specific banks or 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

Getting started is free and takes you less than 2 minutes.

Refunds Are Not Guaranteed



Recoup makes no claim that you will receive a bank fee refund. Refunds 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. Average fees found and refunded based on most recent 90 days user data.

By using this Service, you understand that once Recoup has filed a refund claim for a fee, Recoup is entitled to all commissions if that fee is successfully refunded. If your bank contacts you, if you contact your bank, if another service also files a claim, or if that fee is refunded through any other means, this does not null and void Recoup’s claim to stated commissions.

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. 


260 Peachtree St NW 

Suite 2700

Atlanta, GA 30303

Copyright ©2019 Riddlic, Inc. All Rights Reserved  

Cyber Insurance by AXA.