Capital One UK Reviews 

5,881
TrustScore 4.5 out of 5

4.3

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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. #138 of 169 best companies in 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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Asks customers to review

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4.3

All reviews

(5,881)

3,277 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 5 out of 5 stars

I’m really happy with my Capital One…

I’m really happy with my Capital One credit card. The application process was quick and easy, and the app makes it simple to keep track of my spending and payments. Overall, it’s a convenient card and easy to manage. I would definitely recommend Capital One to anyone looking for a straightforward credit card.

8 August 2026
Unprompted review
Rated 4 out of 5 stars

Its a great app

Its a great app, easy to use and makes managing the account a breeze.
It would be nice if Capital one would bring their range of cobranded cards over to the UK, It`s a market crying out for it

8 August 2026
Unprompted review
Rated 5 out of 5 stars

Thank you

I would just like to say thank you very much. Doing well and it does well for me. Had all the help I needed when I first got the card and along the way I have been offered help. Thank you Mark.👍

8 August 2026
Unprompted review
Rated 5 out of 5 stars

Capital one are an exceptional company

Capital one are an exceptional company. They give people chances that other lenders just simply would not. I've had money issues in the past and they have always helped. Because of their help, I feel I'm in much better control of my finances and they are helping me build a better credit score. They treat you like an individual and I cannot speak highly enough of them. I hope I'm a customer with them for the rest of my life. Thank you Capital one!

8 August 2026
Unprompted review
Rated 5 out of 5 stars

It was easy to apply for

It was easy to apply for. I like having it so I can make purchases without worrying about the direct debits being affected. I just buy stuff and pay as and when I have spare money. It is a friend for treats ✌🏼❤️

7 August 2026
Unprompted review
Rated 5 out of 5 stars

Mustafa was great

I dealt with a chap called Mustafa was a delight. Got me a new card sent out and changed my address for me. Was so easy quick great on a Friday afternoon when i was at work so was all finished up from making the call and having it sorted in less than 15 mins. Impeccable service. Give him a shout out 👌

7 August 2026
Unprompted review
Rated 5 out of 5 stars

I'm very happy with the service.

I've had no issues with your company. I get a reminder when my payment is due. I have nothing negative to say as I've been happy with all our transactions. Customer services are very helpful and l would highly recommend you.

7 August 2026
Unprompted review
Rated 1 out of 5 stars

Bereavement Team

I called the Bereavement line, when the agent answered she asked why I'd called and try to pass me through security using MY date of birth, then wondered why it didn't match!
It was then a matter of fact call with zero sympathy shown, just quickly shoehorning in a scripted condolences sentence halfway through the call.
The call the agent kept referring to my late mother as my father!
I'm just glad I don't bank with them myself. Horrendous customer service.

7 August 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear Martyn,

Thank you for taking the time to leave us a review.

Firstly, I’m so sorry to hear about your mothers passing and the experience you’ve had when calling us. This is definitely not the level of service that I expect from our team.

I can’t access any details from here to review matters further, but we'd like to hear more about your experience so we can investigate things further for you.

You can find information about how to raise a complaint at: www.capitalone.co.uk/support/making-your-complaint.

Kindest regards,

Laura

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