Terms of Service
Last updated September 2026. By using Bag App you agree to the terms below.
1. Your account
You must be at least 18 years old, a US resident, and give accurate information. Keep your password, PIN and handle safe — you are responsible for activity on your account.
2. Age requirements
Bag App is a financial service that uses bank verification, ACH transfers, and debit card payouts. Because of this, all users must meet our age and identity requirements. Users under 13. Bag App does not allow users under the age of 13 to create an account. Children under 13 cannot legally hold a bank account or debit card, and therefore cannot use Bag App. Users ages 13–17. Users ages 13–17 may only use Bag App if they have their own bank account and debit card that can be verified through our bank verification partner. If we cannot verify the user's identity or bank ownership, the account will be blocked or removed. Parents or guardians may not create accounts on behalf of minors, and Bag App does not offer family or sub-accounts at this time. Users 18 and older. Users 18 and older may use Bag App with full access to all features, provided their identity and bank account can be verified. Enforcement. Bag App may take action if a user provides false age information or attempts to bypass age restrictions, including: blocking or removing the account; disabling the ability to send or receive money; requiring additional identity verification; and permanent account closure for repeated or intentional violations. These rules ensure Bag App remains safe, compliant, and appropriate for all users.
3. Sending money
Transfers between Bag App balances are free and are final once completed. Always double-check the recipient before you tap Send Now.
4. Balances
Your Bag App balance is not a bank deposit, is not FDIC insured by Bag App, and does not earn interest. Bank connections and card payouts are handled by our licensed partners.
5. Adding money from your bank — your authorization
When you choose an amount and tap Add money, you authorize Bag App and its payment partners to electronically debit (withdraw) that exact amount from the bank account you selected, and to credit your Bag App balance when the transfer arrives. Each transfer is a separate, one-time authorization that you give at the moment you tap Add money — we never debit your bank account without you starting the transfer. You confirm you are an owner of the account and are allowed to authorize debits on it. You may cancel a transfer by contacting support@bagwire.app at least 3 business days before the transfer date; after that, the transfer cannot be stopped by us. You can remove your bank account at any time in Payment Settings, which ends any future authorizations.
6. Returned bank transfers
If your bank returns a transfer (for example, insufficient funds or a closed account), we will remove the returned amount from your Bag App balance and show the transfer as returned in your history with the reason. If your balance is not enough to cover the return, you owe us that amount and we may pause sending and cash outs until it is repaid. Your bank may charge you its own fee for a returned item.
7. Cashing out
Cash outs are sent instantly to the verified debit card you add for receiving money. A cash-out fee is shown in dollars on the review screen before you confirm, and the amount you receive is shown with it. If a cash out fails or is returned by the card issuer, the money is put back into your Bag App balance automatically.
8. Your rights if something goes wrong (error resolution)
Tell us at once if you believe an electronic transfer on your account is wrong or was not authorized. Contact support@bagwire.app, use Report a problem in the app, or write to Bag App, Attn: Support, Virginia, USA. You must tell us no later than 60 days after the statement or history entry showing the problem first appeared. Give us your name, a description of the error, the amount, and why you believe it is an error. We will investigate and tell you the result within 10 business days (20 business days for transfers involving a new account). If we need more time we may take up to 45 days (90 days for new accounts, point-of-sale, or foreign transfers) and, where required, we will provisionally credit your account within 10 business days so you have use of the money while we investigate. If we decide there was no error, we will send you a written explanation and you may ask for copies of the documents we used.
9. Your liability for unauthorized transfers
Tell us immediately if you believe your password, PIN or device has been used without your permission. Contacting us promptly limits your losses: if you tell us within 2 business days of learning about the loss, you can lose no more than $50. If you do not tell us within 2 business days, you could lose as much as $500. If your history shows transfers you did not make and you do not tell us within 60 days, you may lose all the money taken after that period.
10. Consent to electronic communications
You agree to receive agreements, disclosures, receipts, notices and error-resolution responses electronically, in the app and by email at the address on your account. To receive these you need a device with internet access, a current browser, and a working email address; you can print or save any of them. You may withdraw this consent or ask for a paper copy free of charge by emailing support@bagwire.app, but withdrawing consent means you can no longer use Bag App. Keep your email address up to date in Settings.
11. Fees and limits
Sending money is free. The only Bag App fee is charged when you cash out to your debit card, and it is always shown in dollars before you confirm. Transfer and cash-out limits apply per transaction and per rolling period and are enforced by our systems; the limits that apply to you are shown when you hit one.
12. Acceptable use
No fraud, no illegal payments, no gambling, no money transmission on behalf of a business you do not own, and no using Bag App on someone else's behalf without their permission. We may suspend or close accounts that break these rules, and we may report activity as required by law.
13. Identity verification and legal compliance
To help the government fight financial crime, we must verify your identity. We collect your name, address, date of birth and government ID information, screen against sanctions lists, monitor for suspicious activity, and keep records as required by law. We may refuse, delay, freeze or reverse a transfer, or request more information, to meet these obligations.
14. Complaints and disputes
Contact support@bagwire.app first — most issues are resolved there. Compliance matters can be sent to compliance@bagwire.app. These terms are governed by the laws of the Commonwealth of Virginia. Nothing here limits any right you have under the Electronic Fund Transfer Act or other applicable law.
15. Closing your account
You may close your account at any time in Settings. Cash out or send your remaining balance first; any balance left when an account closes is returned to you or handled under applicable unclaimed-property law.
16. Dormant accounts and unclaimed money
There is no fee and no time limit for keeping money in your Bag — your balance never expires, and we never charge you for holding it. If your account has no activity for a long time, we may show you a reminder that your balance is waiting for you. If an account stays inactive for the period set by your state's unclaimed-property law (often 3 to 5 years) and we cannot reach you, we are required by law to turn the money over to your state's unclaimed-property program. The money remains yours — you can claim it back from the state at any time, free of charge.
17. When your money is available
Money you send to another Bag App member is available to them instantly. Cash outs to a verified debit card are also instant. Money you add from your bank by standard ACH is shown as pending until the transfer arrives, which normally takes 1 to 3 business days; it is not spendable until then, and we will show it as pending in your history with the expected date. Standard bank ACH transfers are processed on business days only, so weekends and federal holidays add time. We may hold new or unusual ACH transfers longer for security or verification, and we will tell you in the app if we do.
18. Changes
We may update these terms. If a change matters, we'll let you know in the app and by email before it takes effect.