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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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Asks customers to review

This company invites their customers to review, whether positive or negative

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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 5 out of 5 stars

Excellent card ,gave me reasonable…

Excellent card ,gave me reasonable first credit amount ,plenty of questions answered plus plenty of answers to many questions in the app ,easy to use without any drama ,I recommend this card to any one willing to take on a credit card ,you will not regret having chosen this card

15 August 2026
Unprompted review
Rated 5 out of 5 stars

Thanks

Always said I would not have a credit card from anyone. Friend sujested Capital One, Best decision I ever made, regular updates on what I spend helps keep finances in check. Thank you Capital One.

14 August 2026
Unprompted review
Rated 5 out of 5 stars

Great customer service

I am a new Capital One customer but am so impressed with the service. My card application was very quickly actioned. I love the instant notifications and my payment dates are clearly informed. Thank you

14 August 2026
Unprompted review
Rated 5 out of 5 stars

Easy access to the app and Easy to…

Easy access to the app and Easy to follow , always someone you can go to if needing help they are always trying to make things better for there customers , fantastic card had other cards before but nothing co pares to this one,

14 August 2026
Unprompted review
Rated 1 out of 5 stars

My card was blocked after only 4…

My card was blocked after only 4 transactions and I was not told why. Getting it unblocked took a load of long phone calls.

7 August 2026
Capital One UK logo

Reply from Capital One UK

Dear Brendan,

Thank you for taking the time to leave a review.

I’m really sorry to hear that your card has been blocked. I can understand how frustrating this must be especially as you’ve not been told why this has happened.

Unfortunately, I can’t access your account from here to review matters further for you, but if you do want to discuss things further, please call us on 03444 812 812.

If you still have concerns, 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,
Laura

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