Free packaged bank account check

Paid for a packaged bank account with benefits you did not need or could not use?

Packaged bank accounts bundle benefits such as travel insurance, breakdown cover or phone insurance into a fee-paying current account. The key questions include how the account was sold, whether the benefits were suitable and whether important exclusions were explained.

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Does any of this sound familiar?

See whether this looks like the right place to start.

These examples are there to help you choose a route. They do not mean you definitely have a valid claim or that compensation will be due.

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THIS ROUTE MAY BE RELEVANT

You may want the circumstances reviewed if…

You were told you had to take the fee-paying account to obtain another product or facility.
The bundled insurance or benefits were not suitable for you, or you were not eligible to use important benefits.
You already had equivalent cover elsewhere and the duplication was not properly discussed.
The monthly fee, key exclusions or the fact that a free current account was available were not made clear.

A DIFFERENT ROUTE MAY FIT BETTER

This check may be less likely to match if…

You knowingly chose the account, understood the fee and benefits, and the package was suitable for your needs.
Your concern is only that you did not end up using benefits that were nevertheless suitable and properly explained.
The issue is a bank-service complaint unrelated to the sale of the packaged account.

Still unsure? You can use “Not sure” in the form or start with the general check.

What matters first

The key details around what happened.

We focus on the facts you remember — what was recommended, explained or arranged, and what concerns you now.

You were told the packaged account was required for an overdraft, loan or other banking service.

The benefits were not explained or did not match your circumstances.

You were not eligible for an important insurance benefit or already had similar cover elsewhere.

You discovered later that you were paying a monthly account fee you did not expect.

What we will ask

A few details that help tell the story.

The questions are split into simple steps, starting with the product and then what happened around it.

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About the account

Which bank or building society was the account with?
Do you remember the account/package name?
Approximately when did you have the account?

How the account and benefits were sold

How did you come to have the packaged account?
Did you understand there would be a monthly fee?
Were the main benefits and important exclusions explained?
Were you unable to use an important insurance benefit because of an age, health, travel or other eligibility restriction?
Did you already have similar insurance or breakdown cover elsewhere?
Was a claim under one of the bundled benefits ever refused?

After you send it

What happens next?

The claims firm named at the final step can review your enquiry and contact you if it needs anything else.

Your enquiry is recorded

We keep a record of the details you send and the consent you give.

The claims firm can take a first look

If it needs more information, it can contact you using the details you provided.

You decide what happens next

If the claims firm can help, it will explain what it can do and any fees before you choose whether to go ahead.

Your other options

You can complain without using a claims management company.

Depending on the issue, you may be able to complain directly to the business and use the Financial Ombudsman Service or Financial Services Compensation Scheme yourself for free.

Financial Ombudsman Service ↗Financial Services Compensation Scheme ↗

Packaged Bank Account FAQs

Questions people usually ask.

For general questions about MFCC, privacy or what happens after you send an enquiry, use the main FAQs.

View all FAQs →

What is a packaged bank account?

It is usually a current account with a monthly fee and bundled benefits such as travel insurance, breakdown cover or mobile-phone insurance.

Does not using the benefits mean it was mis-sold?

Not by itself. The issue is usually how the account was sold and whether the package and insurance benefits were suitable and properly explained at the time.

What if I no longer have the account?

You can still send the check with the bank, approximate dates and account name if you remember them.

Can I complain to my bank myself?

Yes. You can complain directly to the bank for free and may be able to take an unresolved complaint to the Financial Ombudsman Service yourself.

Free claim check

Start with the details you remember.

The MFCC check is free. If the claims firm can help, they’ll explain what happens next before you decide whether to go ahead.

Start this check →