“Scam — I never qualified for any claims that this app offered and their Money Back Guarantee is a lie!! They did not refund me back. This is how they scam people.”
Independent automated assessment · 3 signal sources · 530 reviews scanned · analyzed 2026-10-04.
4.8 ★74,679 ratings
—Downloads
4+Age rating
93 MBApp size
Free · In-app purchasesIn-app purchases
About this app
Unlock Money You Didn’t Know You Were Owed
Settlemate helps you find and claim money you may be owed across everyday spending and financial activity. From class action settlements and price drop refunds to subscription overcharges, travel compensation, and other missed savings opportunities, Settlemate helps you recover money with less effort. Our goal is simple: help you keep more of your own money.
Key Features
- Find Savings Opportunities Automatically Discover eligible ways to save or recover money across purchases, subscriptions, travel, and more.
- Track Class Action Settlements Browse active settlements, check eligibility, and stay informed about opportunities you may qualify for.
- Recover Refunds and Credits Identify opportunities like price adjustments, overcharges, unfair fees, and other potential refunds.…
Preview
Real screenshots from the store listing.
Independent evidence report
The evidence behind this assessment
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
This analysis describes version 4.5.6 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 4.5.6, updated 2026-09-29.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States no price and billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
3 or more themes reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
90% or more five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
The catch list 1
Charges we publish at a strength we stand behind: measured from an artefact, agreed by independent sources, or reported by enough users to clear that charge's own published bar.
Reported by users: Reports of unexpected charges
A large number of reviewers report being charged when they did not expect it — including being charged after cancelling during a free trial, or when a trial turned into a paid plan without warning. We cannot see anyone's billing, so this is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Raised by 32 distinct reviewers — 6.0% of the 530 reviews scanned on this store leg (App Store).
Context 1
Measured and published because a reader would want to know — deliberately not a charge. The measurement alone does not show a harm.
Cheapest and priciest options are far apart
The disclosed in-app purchases span an unusually wide price range. Published as context: the cheapest and priciest items may be different kinds of product entirely, so the spread alone deducts nothing.
What we saw: In-app purchases run from USD 1.99 to USD 64.99 — a 33x spread across 10 items
One source only — shown, not confirmed 3
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Tracking and data collection concerns
The app ships session-recording or a wide tracking stack, holds permissions that read personal data, or is reported by users to sell, leak or over-collect it. The evidence line says which of those was observed.
What we saw: Data & privacy concerns: raised by 5 distinct reviewers (0.9% of 530 reviews scanned)
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 16 distinct reviewers (3.0% of 530 reviews scanned)
Reported by users: Paywall blocks the basics
The core of the app — not extras — sits behind payment, or previously-free function moved behind a paywall.
What we saw: Paywall blocks the basics: raised by 8 distinct reviewers (1.5% of 530 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“stole my money — app took my money from me, i received no payments from any settlements over the year and they would not refund me even though it said they would reimburse me if I did not make more than the subscription fee within the…”
“Scam alert! — I had this out for a whole year not one single claim was processed. I applied for a few one was supposed to be completed and was never paid out. I canceled this subscription, but for some reason it’s still charged for a…”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 4.5.6.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Items shown9
Lowest$1.99
Highest$64.99
Settlemate Referral Annual$39.99
Settlemate Subscription$15.99
Settlemate Subscription$39.99
Privacy Protect$3.99
Bank Connections (3 banks)$1.99
Show 4 more purchases
Bank Connections (5 banks)$18.99
Bank Connections (3 banks)$12.99
Bank Connections (5 banks)$2.99
Bank Connections (10 banks)$64.99