packaged bank account

Packaged Bank Account Claims

If you were mis-sold a packaged bank account you could claim money back. We can help you reclaim any refund you may be entitled to from your bank.


Check You Have A Packaged Bank Account

Packaged accounts are where you pay a monthly fee for your account in return for benefits, most often bundled insurance policies, such as travel insurance, mobile phone insurance and car breakdown. 

If you're unsure, the account fee will show up as a transaction on your statement, under the name of the account you're signed up to. Check current and old statements, or call your bank (you can ask for copies of old statements). If you find these transactions and don't remember signing up, that itself could be a sign you've got a complaint. If you discover a payment, collect as many statements as you can that contain them. You'll need the evidence.

The Financial Ombudsman Service, who make the final decision on claims that are rejected by the bank, say:

"We sometimes hear from consumers who feel their account wasn't suitable for them, or that they weren't given a choice about taking the account"

Some have reclaimed thousands of pounds for mis-sold packaged bank accounts, so it is worth checking if this applies to you.

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Simple Process

Making a claim is simple. With just a few details you can start your application.


No Win, No Fee

You are only charged after the claim has been won and you have your refund!

You do not need to use a claims management company to make your complaint to your lender. If your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

Was My Packaged Bank Account Mis-sold?

If you have paid or are paying a monthly or annual fee for your bank account, you may be able to reclaim those fees plus interest if it was mis-sold. Whether you were told it was the only type of account available to you, charged for features you never wanted, or unaware of restrictions in the insurance cover, we can help you


Signs that your Packaged Bank Account was mis-sold includes:

They did not give you an option to take a free bank account with them


You were paying for benefits that you never needed (e.g. you might have already had the type of insurance that they were offering)


You were not told by the bank that you would not be entitled to make a claim for a particular
benefit on the account, for example, existing medical condition on travel insurance,
or does not cover certain activities


If you were told that having a packaged bank account would give you a better credit score


They generally did not advise you fully about the benefits and exclusions to the benefits


They did not assess with you whether you needed the benefits being offered, for example, you already have those benefits elsewhere


They did not properly assess whether you could afford the monthly account fees


They told you that you could not get the packaged bank account benefits cheaper elsewhere or give you the option to look elsewhere


They increased the price and didn't tell you


They Didn't tell you that you needed to register your phone or car to get the benefits


You were told you needed it to get a mortgage or overdraft

The above list is not exhaustive but an indication of likely misselling.

The bank has a clear duty to its customers to provide fair, concise, clear and unambiguous information to its customers to enable them to make informed decisions on whether the packaged bank account is needed, or not. Packaged Bank Accounts are now becoming one of the top complaints by customers against their

If any of the above statements describe your packaged bank account experience, you could be eligible to claim compensation. Start your claim below for professionals to guide you through the process.