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Capital One UK Reviews 

5,910
•
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. #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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4.3

All reviews

(5,910)

3,291 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

The statements are too small to read

The statements are too small to read. I can't enlarge it.

19 August 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear Edwina,

We appreciate you bringing the difficulty with reading the statements to our attention.

If you're viewing your statements in the mobile app, you can download it and can be viewed by changing the font or display settings on your device you use. I’m sorry for any inconvenience this may cause.

We have a range of specialist support available designed to help people with any vulnerabilities. We can make the necessary adjustments to our service to make sure you’re supported in the right way. You can find this information on our website: https://www.capitalone.co.uk/support/accessibility.

If you do feel you would benefit from large print correspondence, please let us know. You can find information on how to contact us at www.capitalone.co.uk/support/contact-us.

Kind regards
Deep

Rated 1 out of 5 stars

i recently wrote a 1 star review…

i recently wrote a 1 star review stating what a horrible customer service I had and their respose what to suggest i raise a complaint through their portal or wait in queue to do it over the phone. pretty pathetic response to simply throw the customer into a complicated and ultimate bad system as the way of dealing with issues - clear that they have not intention of addressing the issue and just have processes to fob the customer off and not deal with it. Shockingly bad- and given their high interest rates you would think they would want to take better of a customer that has consistently paid these higher rates over time. Was shocked but now I a am just pissed of due to their total lack of support. And the woman I spoke had a "don't really care attitude"

19 August 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear Gregory,

Thank you for taking the time to leave a review.

I'm truly sorry to hear about your frustrating experience with our customer service and the impression that your concerns are not being adequately addressed.

We always aim to provide the best services to our customers, but we’re sorry if we didn’t met 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.

Based on everything you’ve said, I would recommend raising a complaint with us if you haven’t received a follow up response on the back of your previous complaint. By doing so, we can investigate everything that’s happened, and ensure we’ve taken the right steps.

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. You can find information on how to contact us at www.capitalone.co.uk/support/contact-us.

If you have already raised a complaint and you’re unhappy with the outcome we’ve reached, our final response will outline how you can escalate your complaint to the Financial Ombudsman Service (FOS), free of charge.

If they agree to take on your case, they will conduct a completely impartial review of your complaint. We’re required to provide them with any information they request from us, and they will communicate with you directly regarding the status of your case.

Kind regards
Deep

Rated 2 out of 5 stars

No credit limit increase for loyal and transactor customer

I am using past one year with same credit limit that have been offered initially. Even though I never paid single interest free and always making full payment on-time. However, other competitive credit card companies offered me a multiple times auto credit increase.
Afraz Mohamed Ashroff

18 August 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear Afraz,

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

I’m sorry we’ve not been able to increase your credit limit. We take a number of factors into consideration when we look to increase a limit. Unfortunately, I’m unable to check why we’ve not been able to do this for you.

You can check on the app at any time to see if we can increase the limit for you. We will also reach out to you if we can increase the limit.

if you’d like to raise a complaint regarding the above, 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. You can find information on how to contact us at www.capitalone.co.uk/support/contact-us.

Kind regards,
Laura

Rated 1 out of 5 stars

Not increasing credit everything is…

Not increasing credit everything is perfect my credit history my score i got increased from all cards still stuck at 200. I don't know what kind of factors they need.!!!

18 August 2026
Unprompted review
Capital One UK logo

Reply from Capital One UK

Dear Nouman,

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

I’m sorry we’ve not been able to increase your credit limit. We take a number of factors into consideration when we look to increase a limit. Unfortunately, I’m unable to check why we’ve not been able to do this for you.

You could reach out to the Credit Reference Agencies to see if they can provide more information around this. In the meantime, you can check on the app at any time to see if we can increase the limit for you. We will also reach out to you if we can increase the limit.

if you’d like to raise a complaint regarding the above, 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. You can find information on how to contact us at www.capitalone.co.uk/support/contact-us.

Kind regards,
Laura

Rated 5 out of 5 stars

Great Capital 1

From applying online to receiving my card and the quickness of online purchases.the app is brilliant too for keeping an eye on my spending limit and balance.plus the options for paying the monthly bill.

18 August 2026
Unprompted review
Rated 5 out of 5 stars

I had a bad experience many years ago…

I had a bad experience many years ago because of bad company an got into debt with capital one but after paying it all of capital one gave me another chance which many other companies will not do so thank you very much capital one.

17 December 2025
Unprompted review
Rated 4 out of 5 stars

Application and delivery really quick

Application and delivery really quick. Using the card for online payments has been easy but have had trouble trying to use chip and pin and contactless. Almost frightened to try again in case it declines as that is embarrassing. Overall good experience.

17 August 2026
Unprompted review

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