Visa Mastercard ATM Lawsuit Settlement: Who Qualifies for the $167.5M ATM Payout & What Users Need to Know (Dec 2025)

⚠️ BREAKING NEWS – DECEMBER 19, 2025: Visa and Mastercard just filed a NEW $167.5 million settlement in a separate ATM fee class action lawsuit. This is in addition to the $197.5 million settlement approved in June 2025. If you paid ATM fees at non-bank ATMs since October 2007, you could be eligible for BOTH settlements. The new December 2025 filing is pending court approval—millions of consumers will be able to claim refunds once the settlement is finalized. This article covers BOTH the approved $197.5M settlement (claims closed) and the NEW $167.5M settlement (claims opening soon).

What Is the Visa Mastercard ATM Lawsuit About?

The Visa Mastercard ATM lawsuits involve multiple class action cases filed in 2011 accusing Visa and Mastercard of violating federal antitrust laws by conspiring to artificially inflate ATM access fees consumers pay at independent ATMs. Plaintiffs allege the payment giants imposed restrictive network rules that prevented ATM operators from charging lower fees, forcing consumers to pay excessive surcharges.

Key allegations include:

  • Conspiracy to fix ATM access fees at artificially high levels
  • Restraint of trade by blocking ATM operators from competitive pricing
  • Antitrust violations through coordinated network rules
  • Price-fixing agreements that inflated fees consumers paid for years
  • Market manipulation that eliminated competitive pressure on fees

The lawsuits claim Visa and Mastercard used their market dominance to create pricing restraints across their massive ATM networks, costing consumers billions in excessive fees over nearly two decades.

Visa Mastercard ATM Lawsuit Settlement: Who Qualifies for the $167.5M ATM Payout & What Users Need to Know (Dec 2025)

BREAKING: NEW $167.5 Million Settlement Filed December 19, 2025

Latest Development: On December 19, 2025, Visa and Mastercard filed a proposed $167.5 million settlement agreement in federal court in Washington, D.C. to resolve a separate ATM fee class action lawsuit (Burke v. Visa Inc.).

Settlement breakdown:

  • Visa contribution: $88.8 million
  • Mastercard contribution: $78.7 million
  • Total settlement fund: $167.5 million
  • Filing date: December 19, 2025
  • Status: Pending federal judge approval
  • Expected approval timeline: 2026

This new settlement targets consumers who paid unreimbursed ATM access fees at independent, non-bank ATMs from October 2007 to the present. The lawsuit accused Visa and Mastercard of preventing ATM operators from offering lower-priced transactions, keeping fees artificially high.

Court filing location: U.S. District Court for the District of Columbia
Case name: Burke v. Visa Inc.
Defendants: Visa Inc., Mastercard Inc.

Reuters reported the settlement requires court approval before payments can begin. Attorneys for plaintiffs have requested up to 30% of the settlement fund (approximately $50 million) for legal fees.

What this means for consumers: If approved by a federal judge, millions of ATM users who paid surcharge fees at non-bank ATMs could receive refunds from the settlement fund. The claims process will open after final court approval, likely in 2026.

$197.5 Million Settlement APPROVED June 2025 – Claims Closed

Completed Settlement: On June 20, 2025, U.S. District Judge Richard J. Leon granted final approval to a separate $197.5 million settlement resolving different ATM antitrust claims against Visa and Mastercard (Mackmin v. Visa Inc.).

Settlement breakdown:

  • Visa paid: $104.6 million
  • Mastercard paid: $92.8 million
  • Total approved: $197.5 million
  • Final approval date: June 20, 2025
  • Claims deadline: January 22, 2025 (CLOSED)
  • Payout timeline: December 2025 – April 2026

THIS SETTLEMENT’S CLAIMS PERIOD HAS CLOSED. The January 22, 2025 deadline has passed for filing new claims. Payments to eligible claimants who filed before the deadline are expected between December 2025 and April 2026.

Coverage period: October 1, 2007 to July 26, 2024

If you previously filed a valid claim and received payment from the earlier $66.74 million bank settlement, you were automatically eligible for this Visa/Mastercard settlement without submitting a new claim.

Combined Total: Over $430 Million in ATM Fee Settlements

When combined with previous bank settlements, Visa and Mastercard’s total ATM fee litigation exposure exceeds $430 million:

  • August 2022: $66.74 million settlement with Bank of America, JPMorgan Chase, Wells Fargo (approved)
  • June 2025: $197.5 million Visa/Mastercard settlement (approved, claims closed)
  • December 2025: $167.5 million NEW Visa/Mastercard settlement (pending approval)

Total recovered for consumers and ATM operators: $431.74 million+

Timeline of the Visa Mastercard ATM Litigation

2011: National ATM Council and independent ATM operators file antitrust lawsuits against Visa, Mastercard, and major banks alleging ATM fee fixing

2015: D.C. Circuit Court of Appeals reverses initial dismissal, allowing case to proceed

November 2016: U.S. Supreme Court declines Visa/Mastercard appeal of circuit court decision

October 2020: Hagens Berman reaches $66.7 million settlement agreement with bank defendants

October 2021: Visa and Mastercard appeal federal judge’s class certification decision

July 2023: D.C. Circuit Court upholds class certification for three plaintiff classes (ATM operators, consumers charged at independent ATMs, consumers charged at bank ATMs)

April 15, 2024: U.S. Supreme Court denies Visa/Mastercard petition to review class certification, clearing path for settlement

May 29, 2024: Hagens Berman files motion for preliminary approval of $197.5 million settlement with Visa/Mastercard

July 26, 2024: Judge Richard J. Leon grants preliminary approval of $197.5 million settlement

August 2022 (finalized): Court grants final approval to $66.74 million bank settlement

January 23, 2025: Final fairness hearing held for $197.5 million Visa/Mastercard settlement

January 22, 2025: Claims filing deadline for $197.5 million settlement

June 20, 2025: Judge Leon grants final approval to $197.5 million settlement

December 19, 2025: Visa and Mastercard file NEW $167.5 million settlement proposal in separate Burke case

2026 (estimated): Court approval expected for new $167.5 million settlement; claims process to open

Who Is Affected by the Visa Mastercard ATM Lawsuits?

The settlements cover distinct classes of consumers and ATM operators who paid fees under different circumstances:

For the NEW December 2025 $167.5M settlement (claims opening soon):

You may be eligible if you:

  • Paid an unreimbursed ATM access fee to withdraw cash from an independent, non-bank ATM
  • Used an ATM card issued by a U.S. financial institution
  • Withdrew cash at an ATM located in the United States
  • Paid fees at any time from October 2007 to the present
  • The ATM you used was NOT owned by your card-issuing bank

For the APPROVED June 2025 $197.5M settlement (claims closed):

Coverage included:

  • Consumers who paid ATM access fees at foreign ATMs (ATMs owned by entities different from their card issuer)
  • ATM operators who alleged Visa/Mastercard network rules restricted competitive pricing
  • Fees paid between October 1, 2007 and July 26, 2024

You are NOT included if:

  • All your ATM fees were reimbursed by your bank
  • You only used ATMs owned by your card-issuing financial institution
  • Your ATM card was issued by a non-U.S. financial institution
  • You used ATMs located outside the United States

Legal Claims and Evidence Against Visa and Mastercard

Plaintiffs presented compelling evidence that Visa and Mastercard’s network rules violated federal antitrust law:

Primary legal claims:

  • Sherman Antitrust Act Section 1: Conspiracy to restrain trade through price-fixing agreements
  • Rule of reason violation: Anticompetitive restraints that harmed consumers and competition
  • Horizontal price-fixing: Agreements between competitors to maintain artificially high fees
  • Market allocation: Coordinated rules preventing competitive pricing at independent ATMs

Evidence presented in litigation:

  • Internal Visa and Mastercard documents showing coordination on ATM fee policies
  • Expert economic testimony demonstrating artificially inflated fee structures
  • Network rules explicitly restricting ATM operators from competitive pricing
  • Comparative analysis showing higher fees in U.S. markets versus international markets with less restrictive rules
  • Consumer data documenting billions in excessive fees paid over 17+ years

Expert testimony established:

  • Visa and Mastercard control over 90% of U.S. debit card transactions
  • Network rules created pricing floors that eliminated competition
  • Consumers paid 25-40% higher ATM fees than competitive market would generate
  • Estimated consumer harm exceeds $10 billion from 2007-2024

Plaintiffs argued Visa and Mastercard’s “interchange fee” system and network rules functioned as a price-fixing cartel that enriched both companies and banks at consumer expense.

Visa and Mastercard’s Defense and Response

Visa and Mastercard have consistently denied all allegations while agreeing to settlements to avoid prolonged litigation.

Defendants’ key arguments:

  • Network rules serve legitimate procompetitive purposes (fraud prevention, system integrity, transaction efficiency)
  • ATM fees reflect actual costs of providing cash withdrawal services
  • No explicit agreement to fix prices—rules developed independently
  • Consumers benefit from widespread ATM network access enabled by network standards
  • Market forces, not anticompetitive conduct, determine fee levels

Official response to December 2025 settlement filing:

Neither Visa nor Mastercard has issued public statements regarding the new $167.5 million settlement filed December 19, 2025. Both companies previously maintained their ATM network rules comply with all laws while choosing to settle to avoid continued litigation costs and uncertainty.

Strategic settlement rationale:

Despite maintaining innocence, Visa and Mastercard face significant litigation risks:

  • Supreme Court’s refusal to review class certification left them exposed to potentially billions in damages if trials proceeded
  • Multiple certified classes (consumers, ATM operators) increased exposure
  • Strong expert testimony and documentary evidence supported plaintiffs’ claims
  • Settlements cap financial exposure and avoid years of additional appeals
  • Combined $365 million in Visa/Mastercard settlements represents small fraction of annual revenues (Visa and Mastercard combined revenues exceed $50 billion annually)

NEW Settlement Claims Process – What You Need to Know NOW

⚠️ URGENT: The new $167.5 million settlement claims process has NOT opened yet but will likely open in 2026 after court approval.

Expected Claims Process Timeline

Step 1: Court Approval (Est. 2026)

  • Federal judge must approve the settlement agreement filed December 19, 2025
  • Court will schedule preliminary approval hearing
  • Notice will be sent to potential class members
  • Objection and exclusion period will be announced
  • Final fairness hearing will be held

Step 2: Settlement Website Launch (After Approval)

  • Official settlement website will be established (likely similar to atmclassaction.com)
  • Claims forms and instructions will be posted
  • Class notice will provide specific eligibility requirements
  • Claims deadline will be announced (typically 60-120 days after final approval)

Step 3: File Your Claim (When Portal Opens)

To prepare now for when claims open:

Gather this documentation:

  • Bank statements showing ATM withdrawal fees from October 2007 to present
  • ATM receipts showing surcharge fees paid
  • Debit card statements documenting which financial institution issued your card
  • Records identifying which ATMs you used (non-bank, independent ATMs qualify)
  • Documentation showing fees were NOT reimbursed by your bank

Information you’ll likely need to provide:

  • Your name, address, and contact information
  • Card-issuing financial institution name
  • Approximate number of surcharged ATM transactions
  • Approximate total amount paid in surcharge fees
  • Date range of ATM transactions (must be October 2007 or later)

Step 4: Claims Review and Distribution (6+ Months After Approval)

  • Settlement administrator will review all filed claims
  • Invalid or fraudulent claims will be rejected
  • Approved claims will receive pro-rata share of settlement fund (proportional to fees paid)
  • Payments distributed via check, direct deposit, or prepaid card

Previous Settlement Shows What to Expect

The $197.5 million settlement approved in June 2025 provides insights into the likely process:

Claims statistics from previous settlement:

  • Over 63 million claims were filed
  • 296,877 claims validated as legitimate after fraud analysis
  • Each valid claimant received proportional share based on documented fees
  • Estimated recovery: 23-38% of total ATM fees paid during covered period
  • Payments ranged from small amounts ($5-$50) to several hundred dollars for heavy ATM users

Fraud warning: Settlement administrators use sophisticated ClaimScore technology and fraud analysis to identify false claims. Only file a claim if you genuinely paid unreimbursed ATM surcharge fees during the covered period.

Visa Mastercard ATM Lawsuit Settlement: Who Qualifies for the $167.5M ATM Payout & What Users Need to Know (Dec 2025)

How Much Money Will Approved Claims Receive?

For the NEW $167.5M settlement (pending):

Final payout amounts per claimant are impossible to predict before the claims process opens. Payment calculations depend on:

  • Total number of valid claims filed
  • Amount of fees each claimant documented
  • Legal fees and administrative costs deducted (attorneys requesting up to 30%, approximately $50 million)
  • Settlement administration expenses

Estimated recovery range:

Based on previous ATM settlements and typical class action recovery rates:

  • Light ATM users (occasional fees): $10-$75 per claim
  • Moderate users (regular independent ATM use): $75-$250 per claim
  • Heavy users (frequent non-bank ATM withdrawals): $250-$500+ per claim

These are rough estimates only. Actual payments will depend on claims volume and documentation quality.

For the APPROVED $197.5M settlement (claims closed):

Payments expected December 2025 – April 2026 for those who filed valid claims before January 22, 2025 deadline. Claimants who previously participated in the $66.74 million bank settlement received automatic eligibility without filing new claims.

Separate Pending Litigation: Independent ATM Operators

A third lawsuit filed by independent ATM owners and operators against Visa and Mastercard remains pending in U.S. District Court for the District of Columbia as of December 2025.

This separate litigation involves:

  • ATM operators claiming Visa/Mastercard rules prevent competitive pricing strategies
  • Allegations that network restrictions force operators to charge uniform high fees
  • Claims that interchange fees unfairly enrich card networks at operators’ expense
  • Damages sought for lost revenues and constrained business operations

Settlement negotiations in the ATM operator case may follow similar patterns to consumer settlements, but no agreement has been reached as of December 2025.

What Consumers Should Do RIGHT NOW

If You Want to Claim From the NEW $167.5M Settlement (Filed Dec 2025):

1. PRESERVE DOCUMENTATION IMMEDIATELY

Start gathering evidence now:

  • Request bank statements dating back to October 2007 showing ATM fee deductions
  • Contact your financial institutions for historical records if older statements unavailable
  • Save all ATM receipts showing surcharge fees going forward
  • Create spreadsheet documenting approximate ATM fee amounts and dates
  • Photograph or scan all physical receipts and statements

2. MONITOR SETTLEMENT WEBSITE FOR UPDATES

Check these resources regularly for claim portal opening:

  • Official settlement websites (likely atmclassaction.com or similar)
  • Class action settlement tracking sites like OpenClassActions.com
  • Contact settlement administrator once information becomes available

3. SIGN UP FOR EMAIL NOTIFICATIONS

When the settlement website launches:

  • Register your email to receive claims deadline alerts
  • Sign up for text message reminders if available
  • Set calendar reminders to check settlement status monthly

4. DON’T MISS THE CLAIMS DEADLINE

Based on typical class action timelines:

  • Claims deadline likely 60-120 days after final court approval
  • Court approval could occur mid-to-late 2026
  • Claims deadline possibly late 2026 or early 2027
  • Missing the deadline means permanently losing your right to payment

5. BE PREPARED TO ACT FAST

  • Have documentation ready before claims portal opens
  • Complete claim form same day portal launches to avoid technical issues
  • Submit electronically for faster processing and confirmation
  • Print confirmation page and save confirmation number

If You Missed the $197.5M Settlement Deadline (Jan 22, 2025):

Unfortunately, you CANNOT file a claim for the approved $197.5 million settlement. The January 22, 2025 deadline has permanently passed. Payments from that settlement will only go to claimants who filed timely claims.

However: You may still be eligible for the NEW $167.5 million settlement once claims open, likely covering similar ATM transactions. Don’t miss this second opportunity.

Current ATM Users—Protect Your Rights Going Forward:

Document ATM fees starting today:

  • Keep every ATM receipt showing surcharge fees
  • Take photos of ATM screens displaying fee amounts before completing transactions
  • Review bank statements monthly and highlight ATM fee charges
  • Maintain organized records by year and financial institution

Why this matters: If future ATM fee litigation arises, having contemporaneous documentation dramatically strengthens your potential claims.

Broader Antitrust Context: Visa and Mastercard Face Multiple Lawsuits

The ATM fee settlements represent just one battleground in ongoing antitrust litigation against Visa and Mastercard:

Merchant Interchange Fee Litigation

$5.6 billion merchant settlement (2024):

  • Largest antitrust settlement in U.S. history
  • Merchants alleged excessive credit/debit card interchange fees
  • Settlement includes fee reductions and rule changes affecting merchant acceptance
  • Covers decades of alleged anticompetitive conduct in card payment processing

U.S. Department of Justice v. Visa (Filed 2024)

Debit card monopoly allegations:

  • DOJ sued Visa in September 2024 alleging illegal monopolization of U.S. debit card market
  • Claims Visa maintains over 60% market share through anticompetitive exclusivity agreements
  • Alleges Visa blocks competitors from accessing merchants and financial institutions
  • Seeks injunctive relief forcing Visa to change business practices
  • Case ongoing as of December 2025

Capital One-Discover Merger Review

Federal regulators scrutinizing Capital One’s proposed acquisition of Discover Financial Services over concerns the merger could reduce competition in payment card networks.

What This Means for ATM Fee Practices and Financial Services Accountability

The Visa Mastercard ATM settlements send powerful signals about corporate accountability in financial services:

Precedent for consumer protection:

  • Settlements validate antitrust enforcement against dominant payment networks
  • Demonstrates willingness of courts to certify large consumer classes
  • Establishes framework for challenging anticompetitive financial industry practices
  • Encourages regulators and consumer advocates to scrutinize network rules

Limited impact on ATM fees (so far):

  • Settlements provide monetary relief but don’t mandate structural rule changes
  • Visa and Mastercard haven’t fundamentally altered ATM network policies
  • Consumers still pay similar surcharge fees at independent ATMs
  • Without regulatory intervention or additional litigation, fee levels may remain unchanged

Potential for regulatory action:

  • Consumer Financial Protection Bureau (CFPB) could implement rules capping ATM fees
  • Federal Reserve has authority to regulate interchange fees under Durbin Amendment
  • State attorneys general may pursue additional consumer protection enforcement
  • Increased public awareness may pressure lawmakers to act

Industry-wide implications:

  • Other payment processors face scrutiny over fee structures and network rules
  • Banks reviewing ATM fee policies to avoid future litigation exposure
  • Fintech companies positioning alternative payment methods as lower-cost options
  • Growing consumer awareness of ATM fee alternatives (bank networks, cashback options, digital payments)

Frequently Asked Questions

Is the new December 2025 $167.5 million settlement different from the $197.5 million settlement?

Yes. These are two separate settlements in different lawsuits:

  • $197.5M settlement: Filed 2024, approved June 2025, claims deadline January 22, 2025 (CLOSED). Covers fees paid October 2007 – July 2024.
  • $167.5M settlement: Filed December 19, 2025, pending court approval. Claims process not yet open. Covers fees paid October 2007 – present.

You may qualify for BOTH if you paid ATM fees during overlapping periods, though you cannot double-recover for the same transactions.

When will the new $167.5 million settlement claims process open?

The claims process will open after the federal judge grants final approval, likely sometime in 2026. Monitor settlement websites and news sources for announcements. Final approval typically takes 6-12 months after initial filing.

How much money will I receive from the new settlement?

Payment amounts depend on total valid claims filed and fees you documented. Based on previous ATM settlements, estimates range from $10-$500+ per claimant depending on ATM usage patterns. Heavy users who documented substantial fees will receive proportionally larger payments.

Can I still file a claim for the $197.5 million settlement approved in June 2025?

No. The claims deadline was January 22, 2025, which has permanently passed. You cannot file new claims for that settlement. However, if you previously filed a valid claim before the deadline, you should receive payment between December 2025 and April 2026.

What if I don’t have documentation of every ATM fee I paid?

You don’t need perfect documentation for every transaction. Settlement administrators typically accept:

  • Estimated number of surcharged transactions based on your general ATM usage patterns
  • Partial bank statements showing representative periods
  • Attestations describing your typical ATM usage when records unavailable

However, better documentation generally results in higher validated claim amounts.

Are Visa and Mastercard admitting they broke the law?

No. As with most class action settlements, Visa and Mastercard explicitly deny all allegations and admit no wrongdoing. They agreed to settle to avoid prolonged litigation, not as an admission of liability.

Will ATM fees decrease because of these settlements?

Probably not significantly. The settlements provide monetary compensation but don’t require Visa and Mastercard to change their ATM network rules or fee structures. Without regulatory intervention or additional legal action, ATM surcharge fees will likely remain at similar levels.

What if I used bank-owned ATMs rather than independent ATMs?

The new December 2025 settlement specifically targets fees paid at independent, non-bank ATMs. If you primarily used ATMs owned by your card-issuing bank, you may not qualify. However, the approved $197.5M settlement covered some bank ATM scenarios. Read settlement class definitions carefully when claims open.

Can I exclude myself from the settlement if I want to sue independently?

Yes. When the settlement receives preliminary approval, class members will have an exclusion period (typically 60-90 days) during which they can opt out to preserve independent legal claims. However, individual litigation is expensive and uncertain—most class members choose to participate in settlements.

Will I be automatically enrolled or do I need to file a claim?

You MUST file a claim to receive payment from the new $167.5M settlement. Class membership doesn’t automatically entitle you to money—you must submit a valid claim form with documentation before the deadline.

Exception: If you previously filed a claim in the $197.5M settlement, you may automatically qualify for that settlement’s payments without additional filing, but you’ll likely need to file separately for the new $167.5M settlement.

What’s the status of the independent ATM operator lawsuit?

A separate lawsuit by independent ATM owners and operators against Visa and Mastercard remains pending as of December 2025. No settlement has been reached in that case.

How do I avoid scams related to ATM settlements?

Legitimate settlement administrators:

  • Will NEVER ask for upfront fees or payment to file claims
  • Will NEVER request Social Security numbers (usually only last 4 digits required)
  • Provide contact information for verification
  • Host official .com websites (e.g., atmclassaction.com)
  • Send official notices via U.S. Mail, not just email

Red flags indicating scams:

  • Requests for payment to “unlock” settlement funds
  • High-pressure tactics demanding immediate action
  • Poor grammar and spelling in emails
  • Suspicious sender email addresses
  • Requests for full banking passwords

Always verify settlement legitimacy through court records or by contacting class counsel directly.

How to Stay Updated on the New $167.5M Settlement

Official settlement website: Once established after preliminary approval, the official settlement website will provide the most accurate, up-to-date information. Based on previous Visa/Mastercard ATM settlements, the website will likely be atmclassaction.com or a similar domain.

Monitor these resources:

  • U.S. District Court for the District of Columbia public dockets (PACER system)
  • Class action settlement tracking websites (OpenClassActions.com, ClassAction.org)
  • Consumer protection news outlets
  • Hagens Berman Sobol Shapiro LLP (plaintiffs’ counsel) case updates page
  • Legal news sources covering antitrust and consumer litigation

Contact information (once available):

  • Settlement administrator phone hotline (typically toll-free)
  • Settlement administrator email address
  • Plaintiffs’ attorneys contact information
  • Court clerk’s office for docket information

Set up Google Alerts:

  • “Visa Mastercard ATM settlement”
  • “Burke v. Visa settlement”
  • “ATM class action settlement 2026”

Significance for Consumer Rights and Financial Services Reform

The $167.5 million new settlement—combined with the $197.5 million approved settlement and $66.7 million bank settlement—represents over $430 million in consumer restitution for allegedly inflated ATM fees.

Key takeaways for consumers:

  • Major financial institutions face real accountability for anticompetitive practices
  • Class action litigation remains powerful tool for consumer protection
  • Documentation of fees and transactions strengthens future legal claims
  • Consumers should actively monitor their rights in ongoing financial services litigation
  • Settlement participation requires proactive claim filing—rights aren’t automatic

Future implications:

  • Increased scrutiny of payment network rules and interchange fee structures
  • Potential for regulatory reforms capping ATM surcharge fees
  • Greater transparency requirements for financial services pricing
  • Growing consumer awareness of alternatives to high-fee ATMs
  • Precedent encouraging additional antitrust enforcement against dominant payment processors

Critical Action Timeline

December 19, 2025: NEW $167.5M settlement filed—Visa and Mastercard propose settlement in separate Burke consumer case

2026 (Estimated):

  • Preliminary approval hearing scheduled
  • Settlement notice sent to class members
  • Official claims website launches
  • Claims filing period opens (60-120 day window)
  • Objection/exclusion deadline set

Late 2026/Early 2027 (Estimated):

  • Final fairness hearing
  • Court grants or denies final approval
  • Claims processing begins if approved

2027+ (Estimated):

  • Settlement payments distributed to approved claimants
  • Appeals resolved if filed

For the approved $197.5M settlement:

  • December 2025 – April 2026: Payments expected for claims filed before January 22, 2025 deadline

BOTTOM LINE: If you paid ATM surcharge fees at non-bank ATMs since October 2007, you may be entitled to significant cash refunds from Visa and Mastercard settlements totaling over $430 million. The NEW $167.5 million settlement filed December 19, 2025 offers a second chance for consumers who missed the previous settlement deadline. Start gathering documentation NOW and monitor settlement websites for claims portal opening in 2026. Don’t let another opportunity pass—these settlements represent one of the largest consumer recoveries in ATM fee litigation history.

Legal Disclaimer: This article provides general information about the Visa Mastercard ATM settlements and is not legal advice. Consult a qualified attorney for advice specific to your situation.

Sources:

  • Reuters, “Visa, Mastercard to pay $167.5 million in ATM user fee settlement” (December 19, 2025)
  • U.S. District Court for the District of Columbia, Burke v. Visa Inc. court filings
  • U.S. District Court for the District of Columbia, Mackmin v. Visa Inc. (final approval June 20, 2025)
  • Hagens Berman Sobol Shapiro LLP case information
  • Official ATM settlement websites and court documents
  • Class action settlement tracking sources

Last Updated: December 21, 2025

About the Author

Sarah Klein, JD

Sarah Klein, JD, is a licensed attorney and legal content strategist with over 12 years of experience across civil, criminal, family, and regulatory law. At All About Lawyer, she covers a wide range of legal topics — from high-profile lawsuits and courtroom stories to state traffic laws and everyday legal questions — all with a focus on accuracy, clarity, and public understanding.
Her writing blends real legal insight with plain-English explanations, helping readers stay informed and legally aware.
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