I canceled FloatMe, why am I still receiving charges?

FloatMe's own help article gives three causes: the membership was never truly cancelled (deleting the app or unlinking your bank doesn't count), there's a **second active account** under your details from an earlier signup, or "something else". The duplicate-account explanation is the one they lean on most in BBB replies. Send one ticket that lists every email, phone number and card you've used and ask them to close and refund **all** matching accounts. Keep the cancellation confirmation email, the FTC's case against FloatMe cited a consumer who cancelled three times, held confirmations, and was still billed.

Does deleting the FloatMe app cancel my membership?

No, and this is the single most expensive mistake with FloatMe. The Terms say in capitals that uninstalling the app or disconnecting your linked bank account will **NOT** cancel the membership and will **NOT** stop the recurring fee, and the homepage footnote repeats "Uninstalling does not result in cancellation." Trustpilot reviewers describe years of $3.99, $6.99 debits after abandoning the app. You must affirmatively cancel inside the app under Settings > Membership > Cancel, or through a support ticket, and hold the confirmation email as proof of the date.

Can I get a refund for my FloatMe membership fee?

Officially no: the Terms state membership fees and Instant Float fees are non-refundable, and the help centre says a fee charged less than 1 business day before your cancellation won't be returned. In practice FloatMe does grant discretionary refunds, BBB case records show them writing "We've issued a refund, and can confirm that this account is now closed," usually where duplicate accounts were billed or the member was never eligible for a Float. Ask in a Zendesk ticket, give the exact charge dates and amounts, and escalate to membercare@floatme.com if ignored.

Why was I charged after FloatMe denied me a Float?

Because the $6.99 buys membership, not an advance, the Terms say membership "does not guarantee that you can apply for or receive Floats". App Store reviewers describe paying the fee, being declined the same day, and being refused a refund. The FTC's complaint found tens of thousands of paying members were blocked from even requesting an advance under undisclosed eligibility rules while still being charged. If that's you, cancel immediately, then request a refund of the charge in a support ticket on the basis that the advertised benefit was never available to you.

Can I get a Float without paying the FloatMe membership fee?

Yes, this is buried in the Terms and repeated in the app-store disclosures. Eligible users may access a Float without paying the membership fee by emailing **nocost@floatme.com** with the subject line **"No Cost"** and stating that you would like a Float at no cost. It's the cleanest alternative if the only reason you're hesitating to cancel is losing advance access. Standard (non-instant) delivery is always free; only the optional Instant Float delivery carries a fee, typically $1, $10 depending on the amount you request.

Can I rejoin FloatMe after cancelling?

Not straight away. FloatMe's help centre says that once cancellation completes you keep access until the end of the current billing period, after which you lose all benefits and **cannot reactivate the account for 60 days**. Don't work around it by creating a second account with a different email, that's exactly how members end up with two active memberships being billed at once, which is FloatMe's own stated explanation for "I cancelled but I'm still being charged". Wait out the 60 days and re-enrol on the original account.

Am I eligible for the FTC FloatMe refund?

Possibly, if you were a paying member during the period covered by the FTC's case. FloatMe and its co-founders settled for **$3 million** over claims it failed to deliver promised advances and used dark patterns to make cancelling difficult. The FTC began sending payments in September 2024 and has issued a further round of 255,739 payments to people who accepted their first payment. The FTC contacts eligible consumers directly, checks should be cashed within 90 days and PayPal payments accepted within 30. This is separate from any refund FloatMe itself owes you for recent charges.

How do I stop FloatMe taking money from my bank account?

Cancel first, then revoke: the in-app cancellation (Settings > Membership > Cancel) is what actually ends the membership, and the Terms let you separately withdraw your ACH/debit authorisation by emailing **support@floatme.com**, though FloatMe warns it may then suspend or terminate your access. Blocking the debit at your bank alone leaves the membership open and the balance accruing, so do both in order. If charges continue after a confirmed cancellation, raise a bank dispute with the confirmation email attached and file alongside a written escalation to membercare@floatme.com.

REFUND GUIDE

How to Get a FloatMe Refund After the $6.99 Charge.

Here's what FloatMe actually owes you, what their policy quietly says, and how to escalate if they ignore the request.

Last verified today against FloatMe’s own Terms · UK, US, and EU rights covered below

The short answer

Two different charge types matter here. The recurring $6.99 membership fee is declared non-refundable in the Terms, and the help centre adds that if you cancel less than 1 business day before your renewal date the extra month cannot be refunded, you simply keep platform access to the end of that cycle. Optional Instant Float delivery fees ($1, $10 depending on amount) are likewise non-refundable, while the Float advance itself is not a fee at all: it is debited back from your linked account on the repayment date and is non-recourse, so FloatMe will not chase or report unpaid Floats. In practice, discretionary refunds of one or two membership charges are granted through Zendesk support tickets and BBB complaints, especially where duplicate accounts were billed or the member was never eligible for a Float.

Or let yoink chase the refund.

30 seconds to set up. yoink emails FloatMe, cites the policy, escalates if ignored, and surfaces the win when the money lands.

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What FloatMe actually says

“Fees related to "Instant" Floats, and membership fees are non-refundable.”
, verbatim from FloatMe’s terms

Pro-rata refund: noStatutory cooling-off: 14 days in UK + EU on new subs

How long does a FloatMe 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.

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 FloatMe charge in writing. Your card issuer is required to investigate and may withhold the disputed amount during the process.
California ARL refund right
Refund if cancel was blocked or unclear.
If FloatMe 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 chargeback
Visa/Mastercard chargeback works everywhere they do.
Open a chargeback for “subscription not cancelled” or “services not as described”, your bank initiates, FloatMe has ~45 days to defend. Works regardless of where FloatMe is headquartered.
PayPal Buyer Protection
If 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

Citizens Advice + Trading Standards
For 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 FloatMe can’t ignore.

European Union

ECC-Net cross-border escalation
EU Consumer Centre network mediates against EU sellers.
If FloatMe 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@floatme.com, the route yoink has verified actually gets read for FloatMe.
Use a clear subject line
Subject: Refund Request, [your account email]

Send this body

Hi FloatMe 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 FloatMe

In the FloatMe app tap the profile icon at the top right, open **Membership**, then **Billing** and cancel, the Terms phrase the same path as **Settings > Membership > Cancel**. There is no cancel page on floatme.com. If the in-app flow fails, submit a ticket at floatme.zendesk.com or email **support@floatme.com**; the Google Play listing explicitly says you can cancel by contacting support at that address. Cancel at least **1 business day** before your renewal date, FloatMe blames ACH cut-off times for charges that land after a late cancel. You should get a confirmation email and a "Pending Cancellation" status in-app.