Will my ex return my money ?

The cards don't say yes or no — they say the money question has been running on holding and juggling rather than on a record, and where it's headed depends on whether a written line exists.

Past — Four of Pentacles, upright: the money is being held close. That seat shows the established pattern on your side as much as theirs — the sum has been kept in a closed fist, unspent and unspoken, for a while.

Present — Two of Pentacles, reversed: the live situation is balance that isn't balancing. Something is being juggled or deferred, and the juggling is the reason the question keeps coming back instead of closing. Two of two Pentacles in earth terms means this is a resource-and-record problem, not a feeling problem.

Future — Nine of Swords, upright: if the present handling continues, the tendency is a sleepless, rehearsed-worry loop — turning it over at night, adding scenarios. That seat reads as pressure and rumination on your side of the table; it is not a report of what your ex will do or think.

So, conditionally: if there is a written line — a transfer receipt, a message where an amount and a date were named — then the cards describe a conversation that can be had on paper, and the Four of Pentacles → Two of Pentacles pattern says the leverage is in the record, not in the relationship. If there is nothing in writing at all, then the present reversed Two of Pentacles reads as money being treated as something to keep managing rather than settle, and the Nine of Swords will keep arriving whether or not anything changes — because there's nothing to point at.

Your one step, today, alone: open the chat and the bank record, and find the one place where an amount was actually named — then write the asker-facing version of it as three lines: the amount, the date it was due, a date by which you need it. Send nothing yet. Just let it exist in writing, dated today.

And the part the cards can't touch: if there is no written acknowledgment of the debt anywhere — no receipt, no note, no message — then what actually settles this is not another message from you but a formal demand or a lawyer's letter in your own country, and it's worth booking that conversation this week.