When I returned to the UK after living on US island for ten years, I had a low credit rating which made everyday life a little difficult. I still had my bank account and this helped me get a Vanquis c... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
Ive found vanquis to be a very fair and reasonable banking company. Occasionally i pay the minimum payment and it seems to trigger emails and text warning of high interest etc and constantly suggest... See more
Company replied
I have been with Vanquis since 2016, they’ve alway been a really good way to spread the cost of bigger purchases for me. The fact they offer balance and cash transfers is a bonus too. It was a simpl... See more
Company replied
I have my Vanquis account over 10 years, they help me build my credit score, increase funds have been made available went needed. Great customer services. I would recommend to all. Great experience wi... See more
Company replied
4.4
Excellent
44k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Am being charged very high interest…
Am being charged very high interest every month😡😡😡
3 September 2026
Reply from Vanquis
Hi there - Thank you for sharing your feedback with us. Interest rates are influenced by a variety of factors. We strive to set rates that are fair and competitive while ensuring we can continue to provide quality services to all our customers.
If you would like to make a complaint, please get in touch and we'll investigate it for you.
Phone: 0330 099 300 and a member of the team will happily assist.
Email: Please include your name, date of birth and home address to customer.relations@vanquisbank.co.uk. Make sure you tell us about your complaint and how it impacted you.
Rachel - Customer Experience
It was easy to apply very helpful
1 October 2026
Reply from Vanquis
Hi Karen - We are so glad you had such a smooth experience and found our service so beneficial! Thank you for taking the time to leave us a wonderful five-star review; we truly appreciate your support.
Rachel - Customer Experience
Very good at offering limit increase to…
Very good at offering limit increase to deserving customers and keeps an eye on your account against fraud.
2 October 2026
Reply from Vanquis
Hi Alex - We appreciate your positive feedback and great rating! We are so glad to hear that you are pleased with our account security measures and our approach to credit limit updates.
Rachel - Customer Experience
Blatant racism
I went to open an account but given every and I mean EVERY image of their customers showed either a black man woman or couple I can only assume they do not want non blacks as customers. This would appear openly racist
In answer to your response - No I don't want to make a complaint as I have simply invested my money elsewhere although I think in this day and age being so overtly racist is quite incredible
8 October 2026
Unprompted review
Reply from Vanquis
Hi there - Thank you for taking the time to share your feedback with us. We value inclusivity and aim to serve individuals from all backgrounds.
If you would like to make a complaint, please get in touch and we'll investigate it for you.
Email: Please include your name, date of birth and home address to customer.relations@vanquisbank.co.uk. Make sure you tell us about your complaint and how it impacted you.
Rachel - Customer Experience
Quick and Easy Process
The balance transfer process was easy to follow and very quick. Its a shame more banking apps aren't like this!
8 October 2026
Reply from Vanquis
Hi Michelle - We're so happy to hear that your balance transfer was such a smooth and speedy experience for you. It's wonderful to know our app is standing out in a positive way. Thank you so much for the 5-star rating!
Rachel - Customer Experience
First time using Vanquis and I found it…
First time using Vanquis and I found it very easy to apply for and easy to navigate
9 October 2026
Reply from Vanquis
H Yvonne - Thank you for the 5 star rating. We are delighted to hear that your initial experience with us was so smooth, from submitting your application to exploring our platform.
Elizabeth - Customer Experience
Reply from Vanquis
We are so happy to hear that our team was able to assist you and that you had such a great experience with us. Thank you for taking the time to share your wonderful feedback!
James - Customer Experience
Extremely poor customer service and a…
Extremely poor customer service and a frustrating account closure process
I have had an incredibly frustrating experience trying to close my Vanquis credit card account after permanently relocating overseas.
Despite repeatedly explaining my circumstances and making it clear that I was ready and willing to pay my outstanding balance in full, what should have been a straightforward process dragged on for months.
On 20 August, Vanquis confirmed in writing that they would change my Direct Debit to collect the full outstanding balance and subsequently close my account. I accepted this arrangement immediately. However, when the payment date arrived, they collected only £10 instead of the agreed amount.
From there, the customer service experience was extremely disappointing.
I repeatedly contacted Vanquis to explain the situation and request a practical way to settle the balance from Australia. Rather than resolving the issue, I was passed between representatives, repeatedly told that my correspondence had been forwarded to a case handler, and asked to provide information I had already explained.
At no point was I given a satisfactory explanation for why the original agreement had not been honoured.
Eventually, after weeks of chasing, I was provided with bank transfer details and paid the remaining £239.70 myself on 25 September. Despite requesting confirmation that the payment had been received and my balance cleared, I have yet to receive that confirmation.
What makes this particularly frustrating is that I was never disputing the debt or attempting to avoid payment. I was actively trying to pay Vanquis what I owed and close an account I no longer needed.
The lack of communication, repeated generic responses and failure to follow through on an agreed resolution made this a far more stressful and time-consuming experience than necessary.
I would have expected considerably better from a regulated financial institution. Based on my experience, I cannot recommend Vanquis.
10 June 2026
Unprompted review
Reply from Vanquis
Hi Marc - Thank you for providing your information. I tried calling you today but wasn't able to get through.
We always aim to provide the best possible service. If you'd like to make a complaint, please get in touch and we'll investigate it for you.
- Phone: call us on 0330 099 3129, this is the quickest way for us to help with your complaint. Email: Please include your name, date of birth and home address to customer.relations@vanquisbank.co.uk. Make sure you tell us about your complaint and how it impacted you.
Elizabeth - Customer Experience
You listen and if people are good …
You listen and if people are good customers you're always helpful and offering ways to make life easier
8 October 2026
Reply from Vanquis
We are so pleased to hear about your great experience with us. It is wonderful to know that our team has been attentive and supportive in finding ways to make things easier for you. Thank you so much for taking the time to leave such kind feedback.
James - Customer Experience
Reply from Vanquis
We are glad you enjoyed your experience with us. Thank you for sharing your positive feedback about your improved credit profile.
James - Customer Experience
Great card brilliant service
6 October 2026
Reply from Vanquis
Thank you so much for taking the time to leave us a 5-star rating. We are absolutely delighted to hear that you are enjoying your experience with our product and that you found our support to be top quality. Your positive feedback is greatly appreciated by our team!
James - Customer Experience
Can’t log in to your app mr longhurst
8 October 2026
Reply from Vanquis
Hi Mr Keith - Thank you for providing your information. I tried calling you today but wasn't able to get through.
We always aim to provide the best possible service. If you'd like to make a complaint, please get in touch and we'll investigate it for you.
- Phone: call us on 0330 099 3129, this is the quickest way for us to help with your complaint. Email: customer.relations@vanquisbank.co.uk. Make sure you tell us about your complaint and how it impacted you.
Elizabeth - Customer Experience
Reply from Vanquis
We appreciate your positive feedback and 5-star rating! We are so pleased to hear that you are enjoying a quick, hassle-free banking experience and finding our app straightforward to navigate.
James - Customer Experience
Very easy process from start to finish
Very easy process from start to finish, I find the app very useful and helpful for information on my account ,would definitely recommend
8 October 2026
Reply from Vanquis
We are so happy to hear that your experience was smooth from the very beginning! It is great to know that you find our app helpful for staying informed about your account. Thank you so much for your positive feedback and recommendation.
James - Customer Experience
Style
One thing I would like to see offer purchase abroad, and lower purchase , customer service grest
8 October 2026
Reply from Vanquis
We appreciate your wonderful review. We are happy to hear our support team assisted you well, and we will consider your notes on pricing and global offer availability.
James - Customer Experience
Great Credit Card
Great Credit Card, easy app to work with.
Payments and information available in the app. When you do your payments in time you have the opportunity to have your credit increase if you want to.
I’m enjoying my card
1 October 2026
Reply from Vanquis
We are thrilled to hear that you are enjoying your card and finding the app so convenient for managing your account. It is great to know that the smooth payment process and credit limit options are working well for you. Thank you for taking the time to share your positive experience.
James - Customer Experience
Great Excellent app easy to use
Great app easy to use. Staff are very helpful and friendly, and go above and beyond. Excellent **********
8 October 2026
Reply from Vanquis
Thank you so much for the 5-star rating and wonderful feedback. We are thrilled to hear that you find our app convenient to navigate and that our team members provided exceptional, friendly support to assist you.
James - Customer Experience
Ok a good experiance so far
8 October 2026
Reply from Vanquis
We are glad you enjoyed your experience with us and truly appreciate your positive feedback.
James - Customer Experience
I need a new card please
8 October 2026
Reply from Vanquis
Hi Brian - Thank you for the four-star rating. We are happy to hear about your experience, and we would be glad to help you request a replacement card right away. Please contact us on 0330 099 3129 so we can confirm we have the up to date contact details and get the card issued out to you.
Elizabeth - Customer Experience
Long delay to release the credit on my…
Long delay to release the credit on my Vanquis credit card
Complaint has been logged, but no resolution received
Also do they in refunding my Sec. and 75 claim against eBay?
6 August 2026
Reply from Vanquis
Thank you for your feedback. We regret the delay in updating your available balance and resolving your active complaint, as well as the wait for your claim outcome regarding your recent purchase. We are reviewing our processing times and will ensure our team follows up on your case promptly. If, when you receive the response from our complaints team, you are not happy with the outcome you are welcome to raise your concerns with the Financial Ombudsman Service.
James - Customer Experience
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.