The access to sort problems, and ease of making payments. Though information has been excellent, I was a little annoyed that the online banking for credit card payment was ceased. It was replaced with... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I find Vanquis very easy to use, the interest rate is very high , but it is helping me to balance out my financial situation.. I did find it a bit disappointing when i was refused credit limit incre... See more
Company replied
Modern helpful app where I van manage and keep check on my account. Helpful customer services and am easy to use system. I have used my card to build my credit score and give me purchase protection. I... See more
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Ive found Vanquis to be an excellent credit card. The app is great. Easy to track spending and make payments. They periodically offer to increase credit limit which you dont need to accept. I first... See more
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Company details
Written by the company
Vanquis serves over 1.7 million borrowers and savers in the UK. But while we may be a bank, we see ourselves as different from the traditional high street banks. You don’t need the highest credit score to borrow from us. You don’t need the biggest bank balance to save with us. We’re here for everyone who wants to manage their money better. Whether you're building your credit score, cutting your bills, or saving for your next move, we could help you take life's opportunities. We’re Vanquis – the bank that’s got your back.
Contact info
United Kingdom
- 0330 099 3000
- www.vanquis.co.uk
4.4
Excellent
44K reviews
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Good card
Ive always found them helpful and compassionate and that i could talk to them all round good credit card to have
17 August 2026
Reply from Vanquis
Hi Linda - Thanks so much for taking the time to rate Vanquis 5-stars.
We're so pleased to hear that you've consistently found our team to be helpful and compassionate. It's wonderful to know you feel comfortable talking to us and that you consider us a good credit card to have.
Jack - Customer Experience
Reply from Vanquis
Hi Janet - Thanks so much for taking the time to rate Vanquis.
We appreciate your positive feedback and 5-star rating! We're so pleased that our app is easy to use and that you experienced great customer service.
Jack - Customer Experience
Balance transfer with Vanquis
I needed a balance transfer done so I’m not paying any interest to get some of my debts down. It was really easy to do & brilliant for me going forward.
17 August 2026
Reply from Vanquis
Hi Karen - Thanks so much for taking the time to rate Vanquis 5-stars.
We're so glad to hear that the balance transfer process was easy for you and will be beneficial in managing your debts going forward. Thank you for sharing your positive experience!
Jack - Customer Experience
Reply from Vanquis
Hi John - Thanks so much for taking the time to rate Vanquis 5-stars.
We are really happy you are happy with our service.
Jack - Customer Experience
I’d give them zero stars if I could
I’d give them zero stars if I could. I had to go to the FOS about them as they have failed to understand the difference between a DAS in Scotland and a DMP and were inaccurately reporting on my credit file. When the FOS investigator went to them they admitted they were wrong and offered £100 compensation. I declined as I didn’t feel it was enough after two years of negative markers on my account. The FOS agreed and told them to pay more than the £100 and they agreed. Lo and behold, today vanquis emailed me to say they have paid me £100 as per the FOS outcome. So they are a financial firm who do not know the difference in debt plans which many customers will have, they can’t even read a FOS outcome letter properly. I called to complain about this too and spent half an hour with a customer service assistant who through no fault of her own kept being given inaccurate information from other departments rather than putting me through to the specific area who deals with them. They obviously do not want to deal with customers and leave it to CS assistants. I’ve now had to go back to the FOS again as they have now breached the FOS final decision. Not only has it cost vanquis £680 alone for me having to go to the FOS, not to mention the compensation, they've failed to pay the ordered compensation and may face court fees from the FOS if they do not put this right.
It’s extremely worrying that a financial firm cannot read figures correctly.
17 August 2026
Unprompted review
Reply from Vanquis
Hi Laura - We are truly sorry to hear about the significant difficulties you've experienced with your account and that you had to escalate this to FOS. If you have any updates going forwards, please don't hesitate to update us.
Rachel - Customer Experience
Vanquis is not a card account that sets…
Vanquis is not a card account that sets you up for failure. There is help and advice and encouragement to control your credit finance, with all the benefits of a credit card that provides financial support when you need it. I've been a customer for almost a decade and I have received a service that I am 100% happy with.
17 August 2026
Reply from Vanquis
Hi Mr Horan - Thanks so much for taking the time to rate Vanquis 5-stars.
We are so pleased to hear about your positive experience and that you've found our support and advice helpful in managing your credit over the past decade. It's wonderful to know that we've been able to provide the financial support you needed.
Jack - Customer Experience
VANQUIS very helpful…
very happy with VANQUIS very helpful and friendly when I phone VANQUIS and I think is a great credit card i have have been with VANQUIS about 8 years now and I am very happy thank you VANQUIS
17 August 2026
Reply from Vanquis
Hi Anthony - Thanks so much for taking the time to rate Vanquis 5-stars.
We're so pleased to hear you've been a customer for eight years and are very happy with our service! It's wonderful that our team has been helpful and friendly when you've called. Thank you for your positive feedback.
Jack - Customer Experience
Reply from Vanquis
Hi Ayorinde - Thanks so much for taking the time to rate Vanquis 5-stars.
We appreciate your feedback and 5-star rating! We are so glad to hear you found our products good and our customer service excellent. Thank you for sharing your experience!
Jack - Customer Experience
Reply from Vanquis
Hi there! - Thanks so much for taking the time to rate Vanquis 5-stars.
We appreciate your feedback and are so glad you found our team easy to talk to and that they demonstrated good communication skills. Thank you for your review!
Jack - Customer Experience
Reply from Vanquis
Hi there! - Thanks so much for taking the time to rate Vanquis 5-stars.
We're so glad we could be helpful. Thank you for your kind recommendation!
Jack - Customer Experience
Reply from Vanquis
Hi Kunle - Thanks so much for taking the time to rate Vanquis 5-stars.
We're so glad our card is proving useful for you! We appreciate your positive feedback.
Jack - Customer Experience
Had the old that was replaced by a new…
Had the old that was replaced by a new app that I can't get on so by by Vanquis
1 August 2026
Reply from Vanquis
Hi Dawn - Thank you for your feedback. I'm sorry to hear you have been unable to get onto the new Vanquis app. I have passed the case to our app support team who will be in contact moving forwards to help!
Kind Regards,
Rachel - Customer Experience
Superb support
I have recently suffered a great loss of my beloved son My Vanquis card has been a crucial source of funding for various unexpected expenses regarding this situation. It has helped to alleviate a great deal of stress during this difficult time
14 May 2026
Reply from Vanquis
Hi Steve - We are truly sorry to hear of your recent loss and send our deepest condolences during this incredibly difficult time. We are glad to know that our card has been able to provide some support and alleviate stress for you. Your kind words mean a lot to us.
Rachel - Customer Experience
Safe and Effective Credit Carc
A safe, responsible credit card to have in your corner. The rates are great, the offers are super useful. I fact, my whole experience with Vanquis has been positive and helpful. And my finances are better for it!
17 August 2026
Reply from Vanquis
Hi Shade - We're absolutely delighted to hear that you've had such a positive and helpful experience with us! It's fantastic to know that our rates and offers are proving useful and that your finances are benefiting.
Rachel - Customer Experience
I find the credit card excellent,and…
I find the credit card excellent,and the safety measures are amazing
3 August 2026
Reply from Vanquis
Hi Edward - It's wonderful to hear that you find the credit card excellent and our safety measures amazing! We're so pleased to know you're having such a positive experience.
Rachel - Customer Experience
Stay away from Vanquis
This is financial institution which NOT grantee that your account is safe. Have freeze the card and they still allow scammers to take out money. Even I’ve told them those company are scammers they didn’t do anything. Instead, they told me that, even if they stop payments now, in future merchant could start taking money again. Then I have to close the account. Now one week later still can see my account is not closed. Recommend people to stay away from them, as Vanquis work along with scammers instead with own customers.
17 August 2026
Reply from Vanquis
Hi Mihail - Thank you for your feedback. I'm sorry to hear we have fallen short of your expectations and that you wanted to close your account. I can see your request has been completed. Should you need anything further, please don't hesitate to contact us on 0330 099 3000 and a member of the team will happily assist.
Rachel - Customer Experience
Interest too high and they bombarded me…
Interest too high and they bombarded me with calls when I didn’t even have my new card yet
11 April 2026
Reply from Vanquis
Hi there - We appreciate your feedback. We're sorry to hear about the calls prior to having your card arrive and that you feel the interest rates are too high.
Interest rates are influenced by a variety of factors, including the broader economic environment, the cost of borrowing for our institution, and regulatory guidelines. We strive to set rates that are fair and competitive while ensuring we can continue to provide quality services to all our customers.
Kind Regards,
Rachel - Customer Experience
Reliable and easy to use app
17 August 2026
Reply from Vanquis
Hi Robert - We appreciate your positive feedback and are so glad you find our app reliable and easy to use!
Rachel - Customer Experience
Giving chances to rebuild credit
6 August 2026
Reply from Vanquis
Hi Brian - We are so glad to hear we could help you on your journey to rebuild your credit. We appreciate your kind words.
Rachel - Customer Experience
Life Support
Vanquis has allowed me to navigate emergencies without too much stress, treat myself on the odd occasion and helped me build my credit. Thanks Vanquis!
17 August 2026
Reply from Vanquis
Hi Matt - We're so pleased to hear that we've been able to help you navigate emergencies, treat yourself, and build your credit. Thank you for your wonderful feedback!
Rachel - Customer Experience
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