Millions of UK Consumers Could Receive £70 After Landmark Mastercard Ruling
A major legal victory is paving the way for nearly 47 million people in the UK to receive compensation from Mastercard, following a groundbreaking court ruling. If you made purchases from UK retailers between 1992 and 2008, you could be eligible for a payout—without even needing to have owned a Mastercard.
What's the Case About?
The roots of this case go back to a 2016 lawsuit filed by Walter Merricks, a former UK financial ombudsman. Merricks alleged that Mastercard charged unlawful transaction fees to retailers between 1992 and 2008. These fees, in turn, were passed on to consumers in the form of higher prices.
After years of legal back and forth, the UK’s Competition Appeal Tribunal finally approved a £200 million settlement—marking one of the biggest class-action payouts in British legal history.
How Much Could You Get?
While the final amount depends on how many people claim, it's estimated that eligible consumers could receive between £45 and £70 each. The best part? You don’t need to have held a Mastercard to qualify. If you shopped at businesses that accepted Mastercard during the time in question, you’re likely eligible.
Who Is Eligible?
You may qualify if:
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You were a UK resident between 1992 and 2008
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You made purchases from retailers that accepted Mastercard
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You file a claim once the portal opens
Even children at the time of the overcharge period may be eligible—parents or guardians can claim on their behalf.
When and How Can You Claim?
A claims portal is expected to open later in 2025, with payouts being processed within 28 days of a successful claim. Officials are still finalizing the process, but once open, the portal will guide users through submitting their information to receive compensation.
What Should You Do Now?
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Stay informed: Sign up for updates on consumer rights websites or news alerts related to the case.
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Prepare basic information: You may need proof of residence or purchase history during the qualifying period (though this is still being clarified).
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Spread the word: Millions are eligible, and many might not even know it.
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