Capital One UK Reviews 

Very good and useful.

Great to get my credit score rising and such a easy app to keep on top of the months payments

App very good and card easy to use but the card doesn’t have Apple Pay which is very frustrating as I have MS and this way is easier to pay!

My experience with capital one and with your staff has been beyond excellent service and above all my satisfaction has been really great with the company

Easy to apply, simple process. Great app has everthing you need on there.

I’ve had no problems with Capital One since having a card with them

Easy to use and keep track of spending

Very easy to use great card easy apply too

I am happy with my new card but I think a starting credit limit of £1500 is way too low. Other than that, the App works very well and if I do need to talk to someone then they are available on the phone and very pleasant.

Enjoy using capital one

I am very happy with my experience with Capital One. I have been very fortunate to have been able to get a new card and credit limit which has help me to clear my debt with other lenders charging higher interest rates.

it all god up to now thank u so much

⭐ 1/5 Stars – WARNING: Think Twice Before Trusting Capital One With Your Money!

I am extremely disappointed with Capital One and the way they handle customers’ money. My experience has been frustrating, unacceptable, and a complete waste of my time.

I had a Capital One credit card, and I paid off my entire outstanding balance in full. Despite this, Capital One continued with a direct debit and took additional money from my bank account that I did not owe.

When I contacted customer service, I was assured that the money would be refunded within three days. I trusted their word and waited. Three days passed, and nothing happened.

After an entire week without receiving my money, I contacted them again, only to be given a completely different answer. This time, I was told that the refund would take 7–14 days!

How is this acceptable?

When customers owe Capital One money, they are expected to pay on time, and interest or charges can accumulate daily. Yet when Capital One takes money that is no longer owed, customers are expected to wait up to two weeks to get their own money back.

Why should a financial institution be allowed to hold on to a customer’s money for so long after taking it unnecessarily?

This is not just about the money. It’s about trust, accountability, transparency, and respect for customers.

Capital One was quick to take my money but has been painfully slow to return it. Meanwhile, I am left without access to funds that rightfully belong to me.

I find it deeply concerning that a financial institution can take an unnecessary payment so easily but cannot provide a prompt refund or even a consistent explanation of when the money will be returned.

My advice to anyone considering a Capital One credit card: THINK CAREFULLY.

Paying off your balance does not necessarily mean you are finished dealing with payment problems. Based on my experience, I would strongly recommend checking your direct debits, monitoring your bank statements, and keeping records of every conversation with their customer service team.

Capital One, if you expect your customers to meet their financial obligations on time, you should be held to the same standard.

I paid what I owed. Now I expect Capital One to return what belongs to me, without unnecessary delays or broken promises.

I would not recommend Capital One based on this experience. Customers deserve better.

I love my Capital One UK account. I find the site very simple to navigate and value it's flexibility and responsiveness to my needs.

It's very frustrating that Capital One don't have a direct email address for complaints. You're forced to use the app or phone — and when you call, you can wait 22 minutes just listening to automated options before speaking to anyone.

Your recorded message warns customers about being rude to staff — and I respect that — but that standard needs to work both ways. Staff need to listen properly, not dismiss you, and not say you're shouting when you're not.

I've had better service from other banks. Being able to send a simple email shouldn't be this hard.

The app is great, other cards should take note. Absolutely nothing to complain about

Up until recent time, this company were brilliant. On the last three occasions I have logged into my account a message stating that "My Web Access will be closing soon, please download the mobile app. on your phone".
I SIMPLY DON'T WANT TO, and would rather continue to use my desk top/laptop to manage my accounts.
Customer Services cannot give a date when this will happen.
I see a new credit card company on the horizon...............

Never had a problem with my card, the direct debit goes out on time, easy to deal with, never had any problems.