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Capital One UK Reviews 

5,932
•
TrustScore 4.5 out of 5

4.3

Non-Bank Financial Service
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Review summary

Created with AI, based on recent reviews

Looking at 3,259 reviews, reviewers overwhelmingly had a great experience with this company. Many consumers point out that the mobile application is exceptionally user-friendly, allowing them to easily monitor their spending limits, track transactions, and stay fully informed about due dates. People consistently mention the smooth onboarding process, noting that setting up an account and receiving the card happens very quickly without any unnecessary complications. However, some customers also noted frustrating issues with unexpected transaction declines when trying to make larger purchases abroad or online. Some reviewers were not happy with customer service representatives, describing unhelpful interactions, language barriers, and difficulty getting clear resolutions to their account problems.

What people talk about most

User experience

Reviewers mention positive feedback about user experience, highlighting how straightforward the application... See more

Payment

Consumers find payment experiences mixed, highlighting both positive convenience and significant frustration.... See more

Service

Users describe positive interactions with service, highlighting friendly, helpful support and very quick... See more

Application

Reviewers highlight positive aspects of app, describing it as an easy-to-use and efficient tool for managing... See more

Customer service

People report ambiguous experiences with customer_service. While many consumers praise the helpful agents and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

The app is really good and you are able to see well in advance what payments are due, what interest has been charged, and when you payment will be due. Transactions are completed with minimum fuss.... See more

Rated 5 out of 5 stars

I love having a Capital One credit card. It's probably the easiest account to deal with and handle. Their website is simple, clear and easy to navigate. Making a payment is so easy to do and I never... See more

Rated 5 out of 5 stars

The overall experience of using this card is excellent, from the customer services, the ease at how to use the card , the app is simple and quick to keep up to date with all aspects of making paym... See more

Rated 5 out of 5 stars

After a slow start in getting pin number, everything now working great. Capitol One keeps you up to date with spending and any changes pending to your account. Have just been advised first statement i... See more

Company details

  1. Non-Bank Financial Service

Written by the company

We believe in helping people succeed with credit. It’s why we give you a guaranteed yes or no before you apply, it’s why we work hard to protect you against fraud, and it’s why we make it easy to manage your account on our award-winning app.

Contact info

4.3

Excellent

TrustScore 4.5 out of 5

6K reviews

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4.3

All reviews

(5,932)

3,327 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more
Rated 3 out of 5 stars

Their a good company the only downside…

Their a good company the only downside is they won't increase your credit limit if you pay the balance in full every month.
The reason is because they can't charge you interest they only make money from the transactions you make using your card.
They want you to pay the minimum payment on time every month that way they can charge you interest.

16 March 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear Alex,

Thank you for sharing your experience regarding the credit limit.

I’m really sorry to hear we’ve not been able to increase your credit limit for you. I can appreciate your frustrations, especially as you’ve been a long time customer of ours.

Whether you clear your monthly balance in full or just pay minimum payments, you can apply for a credit limit increase via mobile app to check your eligibility, however, we cannot guarantee any credit limit increase as it's down to our lending policy. We’ll also let you know if your account becomes eligible for a credit limit increase in the future.

We always aim to provide the best services to our customers, but we’re sorry if we didn’t meet your expectations on this occasion. We appreciate any feedback from customers regarding their experiences, as this enables us to improve the quality of our service. We can assure you that customer satisfaction is of paramount importance to us, and we’re constantly striving to improve our services.

Kind regards,

Rated 5 out of 5 stars

Acceptance

Allowed me to diversify my credit options.
Reasonable credit limits.
Efficient and straight process.

4 August 2026
Unprompted review
Rated 5 out of 5 stars

CAPITAL ONE

Great reliable company,always on hand to help or asisst in any way,the new improved credit card APP is accurate and very efficient,all round faultless.

21 August 2026
Unprompted review
Rated 1 out of 5 stars

The new app is absolutely terrible

The new app is absolutely terrible. SIX times I’ve tried to make a payment this morning and keeps saying we have logged you off. It’s dreadful. I have better things to do than waste my time trying to pay off my balance!!!!

Truly horrible change for the worse!

21 August 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear customer,

Thank you for taking the time to leave a review.

I'm truly sorry to hear about the difficulties you've experienced with the new app, especially when trying to make a payment.

Other payment methods:
You can choose how you make your monthly payments from a variety of different methods.

Pay by phone
You can call us on 03444 812 812 to make a payment

Faster Payment:
You can set up a monthly standing order with your bank and can make faster payments using our sort code 400250 and account no 81077082. Please use your 16-digit card number as a reference. Faster Payments received by Capital One before 5.30pm will reach your account the same day. Payments made after 5.30pm will reach your account the next day.

Pay by Direct Debit
A Direct Debit is a great way of making sure all your payments are on time. It’s easy to set up using the Capital One mobile app or by phoning us on 03444 812 812 and telling us your bank account details.

We always aim to provide the best services to our customers, but we’re sorry if we didn’t meet your expectations on this occasion. We appreciate any feedback from customers regarding their experiences, as this enables us to improve the quality of our service. We can assure you that customer satisfaction is of paramount importance to us, and we’re constantly striving to improve our services.

If you want to raise this as a complaint, you can find information about how to raise a complaint at: www.capitalone.co.uk/support/making-your-complaint. Alternatively, you can raise a complaint over the phone by calling us on 03444 812 812 (Monday to Friday 7am - 9pm, Saturday & Sunday 8am - 5pm).

Kind regards
Deep.

Rated 5 out of 5 stars

It’s been a life saver.

I have never had a credit card in my life as I’ve never needed one but after a builder shafted me for £20k I was left on a building site and had to get things finished as I didn’t want to live like that for long, I applied for an interest fee loan on capital one as I just needed the convenience of borrowing with no interest so that I could get work done on the house. Thankfully the bulk is nearly done and once I pay the balance off I’ll think about borrowing more to complete, so very happy and the app makes it so easy for payments. Great stuff.

20 August 2026
Unprompted review

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