Capital One UK Reviews: 40 Verified Reviews (4.4/5)

ReviewTerminal SummaryBased on recent reviews

Capital One UK receives predominantly positive feedback (4.4/5) with customers praising ease of application and credit-building features, but a significant minority report serious issues with customer service quality, application processing failures, and call centre communication.

What customers love

Simple, fast application process and quick card delivery
Effective tool for building or rebuilding credit scores
User-friendly mobile app and easy payment management

Common concerns

Inconsistent application approval process with hard credit checks left on file after rejection despite initial acceptance confirmation
Poor quality customer service, particularly from offshore call centres with staff unable to resolve issues or provide accurate information
App functionality issues including balance update delays and limited transaction visibility; account access problems after card replacement

Customers mention

application processcredit buildingcustomer servicemobile appcard deliverycall centre quality

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Showing 1 4-star review

Verified

Paul Pasquale

18 May 2026

While I appreciate there giving me a…

While I appreciate there giving me a chance again to rebuild my credit and give me another chance id like to see clearer more updates on my app, I am being charged £5 for going 0.07 pence over my limit he ho ... But thnx again capital for giving me another chance 4 and a half out of five ain't bad

Frequently asked questions about Capital One UK

Is Capital One UK trustworthy?

Capital One UK is rated 4.4 out of 5 from 40 verified customer reviews on ReviewTerminal — rated Great. 85% of customers gave 4 or 5 stars.

What is Capital One UK's rating?

Capital One UK has an average rating of 4.4 out of 5 based on 40 customer reviews on ReviewTerminal.

How many reviews does Capital One UK have?

Capital One UK has 40 verified customer reviews on ReviewTerminal. Every review is from a real customer and is published without company involvement.

Capital One UK — Review Summary

Based on 40 verified customer reviews, Capital One UK holds an average rating of 4.4 out of 5 — rated Great on ReviewTerminal. 85% of customers gave 4 or 5 stars.

Capital One UK Reviews