John Lewis Money Reviews 17,461

Easy to apply with an exceptionally fast approval process. The fact you can load the digital card onto Apple Pay before actually receiving the physical card is a great advantage.

A truly terrible service. First ordered 500 Euros on 25th May 2026 to go away on 28th May. Was to collect the day before my holiday but money did not show up at the Waitrose collection store. Apparently the Royal Mail had 'lost it'. Had to go on holiday without cash and use my card for everything. It is now 11 th June and after reordering the money have still not got it. No updates from John Lewis . Spoke to Anja on help desk and have requested a Manager call me. John Lewis used to be my 'go to' brand.

Awful dreadful appalling experience of a company once a byword for value and customer care, now one of the worst it has been my misfortune to deal with. Tragic collapse in standard of a once-great company

DO NOT use John Lewis for home insurance. Totally unreliable. While Trustpilot generally rates them highly, Smart Money People rates them, rightly, as 2 out of 5. Despite insuring our home and contents for over 10 years, without any claims from us, John Lewis suddenly said they could not renew our policy as their underwriters had changed. But this was LESS than 3 weeks before our policy expired. Why such short notice? Advised us to use Gallagher, said to be an insurance broker. All Gallagher wanted to do was to sign us up to an expensive, restrictive insurance with a subsidiary company. Did not act as a broker. Why were we referred to a useless broker? What did Gallagher pay John Lewis? Chat GPT recommended NFU Mutual. Much better than John Lewis and Gallagher.

Insulting
My intelligence. Send me messages telling me to make sure I have sufficient funds in my account to pay my credit card bill. Probably because they grab their payments quicker than other card providers. Also the service is not so good since they switched to New Day who have a somewhat dubious reputation in my opinion and like most providers charge what I think are unjustified high rates of interest, not that I ever will pay them as I clear any balance every month and never fail to pay on time, I DO NOT need the tube reminded ever. So my advice to John Lewis is to respect your consumers intelligence! Oh and bye the way sort out the way your credit card relations are conducted!

Easy to organise and I'm old so not brilliant on a computer!

My credit card was blocked to check on a possible fraudulent transaction. In fact the transaction was fine. Previously I've been able to confirm that a transaction was OK by simple text message. Now it's necessary to call.

After holding in a queue for quite some time, I was put through to someone not in the fraud department, who said I may have to wait up to 24,hours for a call back from the fraud people.

This is useless customer service. Blocking a card for up to 24 hours (or longer once the process is complete) to check on whether a fraud alert is correct is completely unacceptable.

Of course credit card companies must be very careful about fraud, and it's good that they are. But they need to have enough staff, and decent systems, to deal efficiently and promptly with fraud issues and with incorrect fraud alerts.

Too easy! Liked the how much do you want boxes but as realised I needed to check everything so I got enough.
Glad to find bank check was as usual.

Without doubt the worst card/account in my wallet. I have other cards and financial apps and they work well. But the JohnLewis system is like steam driven. Any issue always requires a phone call. I’d love to cancel it but even doing that would require crossing the pain barrier yet again…..

Good service and fast

The online application process is very user friendly and simple to use from the initial quotation right through to the policy set up.

The process of setting up my dog insurance was easy to do I am happy with the price and what the policy offers me . Obviously I haven’t needed to claim yet . Hopefully I won’t need to but if I do I hope it’s as straightforward

Really easy and pick up was local.

It was easy to apply online. I am not happy about the very low credit limit.

Using John L

Easily ordered online with excellent exchange rate. However when returning unused euros received very poor exchange rate and received £20+ less than expected.

Absolutely amazing service. Once approved I was able to upload my card and use it straight away even before I have received the physical card.

the website setting up card was very easy very easy card to use well worth signing up.

I have been a member (credit card holder) for about 20 years or so. I pay off my bill in full every month. This month I was a day late because they moved my payment date forward rather than back. No idea why because it was a Tuesday and Wednesday. Anyway, I was a day late. Contacted them through the live chat (which in the past has been fast and responsive). It took over two days of delayed response to finally get an answer which was to suggest I pay on time and move my payment date (again). None of this answered the point and neither did it offer any apology or any offer to waive a late payment fee that they had generated for themselves. The customer service used to be ok, but it is now delayed and unhelpful. I get the feeling they have sub-contracted it and the responders are dealing with multiple things at once (probably less of them).

Also, whenever I am holiday they always block things and I have to call them (you cannot resolve it online or through the App), and this cost me around £50 last time. This never happens with my other credit card providers.

I am planning to cancel my card.

UPDATE AFTER RESPONSE BELOW:

I already have raised it. It was your customer service that basically was zero assistance and said I could cancel my card (of c.20 years duration) through the App. It’s a joke - what happened to customer service? The reality is that this is New Day damaging the JL brand, but JL don’t care much it seems.

I’ve now opened a credit card with another provider and will close my JL account as soon as my formal complaint about the customer service has been resolved, including why they moved my payment due date forward.

FURTHER UPDATE:

My complaint was rejected. They replied quickly, but I suppose ‘cut and paste’ helps to do this quickly. They told me the payment due date can move, even forwards, depending on when they decide to do it. No offer of waiving the late payment fee or the interest. I’ve been a customer for about 20 years, it’s extraordinarily poor customer service. They also reminded me I could close my account via the App (for that personal sign off with thanks for the £ over 20 years… not). Anyway, I’ve had it with them and I’m closing the account. Time for a New Day with another provider. I’d steer clear. The benefits are rubbish too btw.