Capital One UK Reviews 

I am currently on a holiday in the philippines and I have been using my card here and I am so happy.ofcourse i have to control my spending. Capital one works the best for me.

Quick and easy online application, straight forward app so you can see your expenditure and payment dates etc
Overall really happy 👌

Absolutely awesome. Easy to use app. Simple to use. Explained very well.

I had a terrible experience with Capital One UK. I made a manual payment of £1,407.58 to clear my balance, yet they went ahead and double-charged me via Direct Debit anyway.

When I tried to resolve this urgently, their in-app chat was completely unresponsive and the agent refused to transfer me to a manager, leaving me isolated with two huge payments taken out.

To top it off, their complaint team simply rejected my complaint, claiming their service "met expectations." Taking over £2,800 out of a customer's accounts due to poor system sync and then dismissing the stress and inconvenience it causes is completely unacceptable.

I have closed my account and I am now taking this matter directly to the Financial Ombudsman Service. Avoid this bank if you value reliable customer support and fair treatment.

What a shockingly arrogant and robotic response from "Laura." Directing me back to standard phone queues after your systemic failure took over £2,800 out of my funds is just further proof of your utter contempt for customers.

Rest assured, this is not just going to the Financial Ombudsman Service (FOS) for your incompetence and unresponsiveness. If Capital One fails to adequately compensate for the distress and financial disruption caused, I will have no hesitation in taking this matter straight to the Small Claims Court. See you there.

LATEST UPDATE (21/08/2026):

To add insult to injury, Capital One has now sent me a tone-deaf "Goodbye" marketing email, ironically asking me to "consider them in the future." After unlawfully double-charging my account, giving zero functional support, and dismissing my formal complaint, the arrogance to expect a customer to ever return is staggering. Evidence submitted to the Financial Ombudsman Service.

Awful credit card.
You have charged me £12 for “late payment fee” when it was paid a few days before and then you tried to take another payment and some how it failed even though there is money in my bank.
Absolute scammers

Do not even try and pay for something over €500 got a £2000 balance tried to pay for a wedding dress and declined twice they are useless. When you phone they say sorry then all sorted you try again and same thing happens. Do not get

14th August
In reply to Laura from Capitsl One. The above happened twice. Last Sunday was the 2nd time. Phoned Sunday, you said Fraud department not open until Monday, phoned Monday, once again nothing but apologies, when the over seas agents answer they are apparently are “the fraud team” . It’s being discussed and will take 24hrs:sorry for inconvenience. Phoned Tuesday same thing but now 48hts. Wednesday I asked to speak to a manager, there is no such thing in this company. As I have terminal cancer I do not have the energy to fight with this company any more I will close as soon as possible. DO NOT APPLY FOR YHIS CAPITAL ONE CARD EVER

It was so easy to apply for, and with the app u can pay off as much as u like

Everything is going well, the card service is nice too

Original Capital One account ending 0210
Lowell Reference: 479480642
Overdales Solicitors – Court Claim: N5KQ9D5P

The documentation I have received confirms that Capital One sold my account to Lowell Portfolio I Ltd on 12 June 2025.

The same underlying account subsequently progressed through Lowell and Overdales Solicitors and became the subject of court proceedings.

My question to Capital One remains simple:

How much did Capital One receive for selling my account to Lowell?

If Capital One sells other customers' outstanding accounts to debt purchasers, I would also like Capital One to explain what opportunity customers are given to resolve their accounts directly with Capital One before those accounts are sold.

Borrowers deserve transparency about this process rather than being passed between different organisations and reference numbers without a clear explanation.

As a new customer I have been truly satisfied with the help and service I have received so far. So pleased I changed from my other card.

Never had any problems with using abroad

Easy to use, and helps me on the way to pay for stuff, and nothing is to much trouble from you guys, and the increase are great to have in place

Update! I received a call on the day I posted this - spooky (!). They are sending my details to the Scam Team! To say this is a laborious and unnecessary process is minimising the frustration I feel. No wonder folks are leaving reviews saying they are very difficult to get refunds from.

Poor service. Was scammed and luckily paid for the scam on my capital one credit card. Called them to explain as the online requirements didn’t fit my capabilities. Was told I’d have a
Refund within a week. This didn’t happen. Was emailed and asked to provide details, which I did. Was emailed again and asked to provide the same information I had already given. Called up and was told that they would call me back as they had further questions. I explained I had sent proof of the fact I had been scammed and had nothing else to provide, and told
Them
I had already emailed requested info twice. Still await my call back. Didn’t get the promised refund within a week. A sceptic may say they are tying NOT to give me what is rightfully mine. Rubbish service. Do not honour promised actions and seemingly withholding my refund with no reason. AVOID this company

I’ve been using my Capital One credit card for a year now, and it has been very helpful and reliable. I’m happy with the service and would definitely recommend it.

Excellent service, brilliant app really easy to use

I have found this useful although never offered an increase

Excellent, all good