How to Get a ChatGPT Refund.
Inside 14 days their own policy is on your side; statutory cooling-off rights may stack on top. Outside it, you've still got tools, a clear email, a card-issuer chargeback, the lot. Here's the playbook for ChatGPT.
Last verified 16 Jun 2026 against ChatGPT’s own Terms · UK, US, and EU rights covered below
The short answer
OpenAI's default position is that subscription fees are non-refundable. Exceptions: accidental charges flagged within 14 days, EU/UK/Turkey residents exercising their 14-day statutory withdrawal right, billing errors, and significant technical outages. Approved refunds are processed in 5 to 7 business days. If you bought through Apple or Google, OpenAI cannot refund, request it from Apple/Google directly.
Or let yoink chase the refund.
30 seconds to set up. yoink emails ChatGPT, cites the policy, escalates if ignored, and surfaces the win when the money lands.
Get yoink (App Store) →What ChatGPT actually says
“Accidental purchases are generally eligible for a refund if you contact us within 14 days of the charge.”
, verbatim from ChatGPT’s terms
How long does a ChatGPT refund take?
Most merchants agree to a straightforward refund within 1 to 3 working days of a well-written email request. Once agreed, the money itself takes another 3 to 5 working days to land, that part is card-network processing and no merchant can skip it. If nothing has arrived 10 working days after a written “refund approved”, reply on the same thread asking for the ARN (acquirer reference number), which your bank can trace.
Note ChatGPT’s own policy works on a 14-day window, ask inside it and the request is routine; outside it you’re relying on goodwill or statutory rights.
What you can claim
The law where you live is the strongest hook, lead with it when you contact the company.
United States
- Fair Credit Billing Act (FCBA)Dispute any credit-card charge in writing within 60 days.
For US credit-card payments, the FCBA gives you 60 days from the statement date to dispute a ChatGPT charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.
- California ARL refund rightRefund if cancel was blocked or unclear.
If ChatGPT made it hard to cancel under California ARL, you’re entitled to a refund of charges taken since the obstruction. Multiple class actions (including against Adobe + Hulu) have set the precedent.
Worldwide
- Card-issuer chargebackVisa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, ChatGPT has ~45 days to defend. Works regardless of where ChatGPT is headquartered.
- PayPal Buyer ProtectionIf you paid via PayPal, open a dispute.
PayPal’s Buyer Protection covers “item not as described”, applies to services that didn’t deliver. Resolution typically within 20 days.
Rights in other regions (United Kingdom, European Union)
United Kingdom
- Section 75, Consumer Credit ActCredit card issuer is jointly liable. £100-£30,000.
For UK credit-card charges between £100 and £30,000, your card issuer is jointly liable with ChatGPT for any breach. Call your bank, say “Section 75 claim”, send evidence. Usually resolved in 2-4 weeks.
- Consumer Contracts Regulations 2013Full refund within the 14-day window.
Inside 14 days of starting any ChatGPT subscription, you’re entitled to a full refund of any payment taken, no questions, no policy override.
- Citizens Advice + Trading StandardsFor repeated bad-faith refusals.
Free escalation lane: file with Citizens Advice (08082231133), they pass it to Trading Standards. Slow (8-12 weeks) but creates a paper trail ChatGPT can’t ignore.
European Union
- Consumer Rights Directive 2011/83/EU14-day withdrawal across all EU member states.
EU-wide statutory right to withdraw and recover any payment within 14 days of subscription start. Mirrored in local law in every EU country.
- ECC-Net cross-border escalationEU Consumer Centre network mediates against EU sellers.
If ChatGPT is based in another EU country, your local European Consumer Centre will mediate the dispute for free. List of national contacts at commission.europa.eu.
The 4-step refund email
Email the right address
Use
support@openai.com, the route yoink has verified actually gets read for ChatGPT.Use a clear subject line
Subject:
Refund Request, [your account email]Send this body
Hi ChatGPT team, I'm requesting a refund of the recent charge on my subscription, account [your account email]. Under the FTC's Click-to-Cancel rule, cancellation must be available through a channel as simple as the one I signed up through. Please confirm by reply that the refund will be processed to my original payment method. Best, [your name]
Wait 7-14 days, then escalate
If you haven’t heard back in 14 days, escalate via the regional route above, a card-issuer chargeback works in every market.
Refund FAQ for ChatGPT
Sometimes. OpenAI's default is that subscription fees are non-refundable, but **accidental charges within 14 days** are generally refunded, and **EU, UK and Turkey residents** have a 14-day statutory withdrawal right. Billing errors, duplicate charges and unauthorised transactions are also refundable. Request via the chat widget at **help.openai.com** while logged into the charged account; approved refunds process in 5 to 7 business days.
Cancelling rather than claiming money back? See the ChatGPT cancellation guide. For every other support channel, the ChatGPT contact guide.
Other refund guides.
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