Thousands of Packaged Bank Accounts have been mis-sold.

If you’ve been paying a monthly fee for your bank account, there’s a chance you could reclaim all your monthly charges.

Crystal Legal makes the whole process quick and simple and we can find out if you are eligible to make a claim.

Find out if you can reclaim your money now!

£ 0

Total amount of Mis-sold PBA compensation we have recovered for our customers^

“30% of those with a packaged bank account have never used any of the benefits, wasting between £240 million and £320 million a year

Consumer Group, Which?*

What is PBA?

PBAs are current bank accounts that come with an included “package” of additional features. These features can include “free” travel and mobile phone insurance, better rates on loans and overdrafts, and sundries such as cash-back on selected household bills that are paid by direct debit out of the account.

PBAs are often called “premium,” “gold,” or “reward” accounts. You usually have to pay a monthly account fee for the privilege of having one of these accounts.

PBA mis-selling

When you open a bank account, it’s important that your bank gives you a choice about the type of account you have.

Banks often recommend that customers sign-up for a PBA, which is fine, as long as the account is right for you. Before they are in a position to make such a recommendation, the bank must have a full understanding of your personal and financial circumstances at the time.

Were you mis-sold a PBA?

Some banks used some unfair tactics to persuade customers to take out PBAs. Did you experience any of these?

  • You were pressured into taking out a PBA when you didn't want one.
  • You were told that you had to take out the PBA to get a loan, credit card, or overdraft.
  • You were just given a PBA; you didn’t know you had a choice.
  • The PBA had features that you would never use.
  • You already had some of the "benefits" that were included with the PBA,.

“31% of those with a packaged bank account said sales staff made account holders feel that they had no other option but to get a fee-paying account.”

UK Market Research Firm, YouGov”

Why claim with Crystal Legal

At Crystal we really want to help you to make a positive difference to your life.
Reclaiming any mis-sold PBA could give you some additional money and we are with you every step of the way.

No Lender Paperwork Required

Lost or no longer have your original paperwork? No problem. We can obtain copies all your paperwork for you, even if your not sure if you've had a packaged bank account.


We have been in this industry for 10 years. In this time, we have gained skills to expertly find PPI and claim it back for you.

Happy Clients

We have helped over 100,000 satisfied customers, who in turn have given us a 4.6 / 5 customer service rating on Feefo.

“80% of packaged bank account complaints referred to FOS have been overturned in favor of the consumer, this means that the banks are rejecting 4/5 legitimate claims”

The Financial Ombudsman**


Most frequent questions and answers

The Financial Ombudsman reported that there were a number of cases where clients did not know that they had a packaged bank account; this was because the paid account was upgraded without their knowledge.

People who have an overdraft might see the word “charge” on their statement and believe that this is an overdraft charge when it’s actually a charge for a packaged bank account.

If you don’t know if you’ve got a paid-for account you can look at your statements for the word charge.

If your packaged bank account had been mis-sold then you should get back all the monthly fees that you have paid plus interest. E.g if you’d been paying £24 a month for 2 years you will receive £24 x 24 (months) £576 + £46.08 (8% interest) = £622.08*

You should receive 8% in interest on any claim, this is because it is predicted you would have made this amount of interest if you had not paid for the packaged bank account.

If your packaged bank account is still active or ended within the last six years then you can set up a claim. If you closed your account over six years ago then it could be a little more difficult. This is because banks don’t need to keep records that are over six years old but because there is no cut off if you still have your paperwork then you can still set up a claim.

Mis-sold Packaged Bank Account Case Studies

The packaged bank account was unsuitable
Mrs S was upgraded from a fee free account with RBS to a paid for account in 2001 after she requested an overdraft facility.
RBS made her feel that this account was the best option and believed that the monthly fee related to her overdraft.
It wasn’t until 14 years later that Mrs S became aware that she had been paying for the benefits that came with the account including travel, mobile insurance and car breakdown cover. She cancelled as soon as she realised what the monthly fee was for.
RBS agreed that the account was unsuitable as Mrs S has never had a driving licence, personal mobile phone and only travel abroad twice in all the years she held the account.
Mrs S received £2500 in compensation from RBS.
I didn’t know I had a Packaged Bank Account
Mrs P didn’t know that she had a packaged bank account until Crystal Legal Services uncovered the account during a separate investigation into a PPI claim.
Mrs P had been paying £12.95 a month for her Lloyds Gold Account since 2001 but thought the fee was an overdraft charge.
The account was upgraded from a fee free account 16 years ago without her knowledge, therefore Lloyds never discussed any of the exclusions of the account.
The PBA offered poor value for money and Mrs P felt that she had been put at a financial disadvantage because of the account. For example, Mrs P only had a basic mobile phone handset, therefore it would have been cheaper to buy a new handset if it had been lost or stolen due to the high insurance excess. Lloyds agreed that they were in breach of regulations and had not met the demands and needs of the customer.
Lloyds upheld the complaint and awarded Mrs P with £9687.92.
I couldn’t use any benefits of the account
Mrs T knew that she had a packaged bank account but didn’t realise that she was paying for it.
“I knew that I’d got a packaged bank account from a loan I took out years ago but didn’t realise I was paying for it as NatWest failed to explain the costs to me. After reading an article in the Daily Mail about packaged bank accounts I realised that I was being charged and cancelled the account straight away.”
Mrs T couldn’t use any of the benefits of the account as she has never driven, her health prevented her from traveling and her phone cost less than one month’s packaged account fee, so it wasn’t worth insuring.
“All advice says go in to your bank and demand your money back but that’s easier said than done. The bank told me at first that I’d not had a packaged bank account and that’s when I decided to speak to Crystal Legal Services as I didn’t want the hassle”.
“The process with Crystal Legal was straight forward, once I’d signed the paperwork I left it in their hands and put it out of my mind until I received a letter to say that I’d won nearly £1,000 in compensation”

Start your PBA Check today

PBA Enquiry form

Simply fill in this quick form and one of our friendly and professional advisers will call you back.

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For friendly and professional advice call us today on 01270 44 66 00

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Crystal Legal Services Ltd, Gawsworth House, Westmere Drive, Crewe, CW1 6XB.

Crystal Legal Services Ltd is a claims management company Authorised and regulated by the Financial Conduct Authority.

Company registered in England and wales. Company registration 6837474. Registered office: Fairfield House, Back Lane, Spurstow, Tarporley, Cheshire, CW6 9TE.


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

*Consumer Group Which? “UK Market Research Firm, You Gov **The Financial Ombudsman ^Figures correct as of March 2019.