The access to sort problems, and ease of making payments. Though information has been excellent, I was a little annoyed that the online banking for credit card payment was ceased. It was replaced with... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Don't keep bombarding with offers of increasing credit. Only a couple of times a year. Which leaves you in control if you want to increase your credit. Other card providers do it automatically which p... See more
Company replied
I've been a customer of Vanquis Bank for many years. They helped me rebuild my credit rating starting off with a very modest credit limit. I always kept all of my payments up to date, received credit... See more
Company replied
I will be forever grateful to vanquis for enabling me to build the credit score i have now. They took a chance on me even though my credit wasn't great now thanks to them im able to attain credit. You... See more
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Company details
Written by the company
Vanquis serves over 1.7 million borrowers and savers in the UK. But while we may be a bank, we see ourselves as different from the traditional high street banks. You don’t need the highest credit score to borrow from us. You don’t need the biggest bank balance to save with us. We’re here for everyone who wants to manage their money better. Whether you're building your credit score, cutting your bills, or saving for your next move, we could help you take life's opportunities. We’re Vanquis – the bank that’s got your back.
Contact info
United Kingdom
- 0330 099 3000
- www.vanquis.co.uk
4.4
Excellent
44K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
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Easy to use and understand
Easy to use and understand. Able to see what you have to spend and what you have spent all in one place.
August 8, 2026
Reply from Vanquis
Hi Chantelle - We're so pleased to hear that you find our service easy to use and understand. It's great that you can see your spending and available funds all in one place.
Ruk - Customer Experience
Vanquis is a brilliant card to have and…
Vanquis is a brilliant card to have and keep they offer great deals
June 19, 2026
Reply from Vanquis
Hi there! We are so pleased to hear that you find our card brilliant and appreciate the deals we offer. Thank you for taking the time to share your positive experience!
Ruk - Customer Experience
Easy to contact and friendly assistants
August 3, 2026
Reply from Vanquis
Hi Chris - We appreciate your feedback and are so glad you found our team easy to contact and friendly! Thank you for your review.
Ruk - Customer Experience
The app is absolutely useless you…
The app is absolutely useless you cannot install it is the worse app I have ever had the misfortune to use its an absolute joke!!! you cannot accesses your account via computer when you try do do it it sends you round in circles Its rubbish customer services is a joke!!!
August 7, 2026
Unprompted review
Reply from Vanquis
Hi Michael - We're truly sorry to hear about your frustrating experience with our app and the difficulties you've encountered trying to access your account. We understand how frustrating it can be when technology doesn't work as expected, and we sincerely apologize for any inconvenience this has caused. Your feedback regarding customer service is also concerning, and we appreciate you bringing these issues to our attention.
We have a dedicated team on hand to capture any issues that arise and to provide a resolution as soon as possible. For further support, please email us at vanquisappsupport@vanquis.com or give a call to 0330 099 3065 between 9am-4.30pm and a member of the team will happily assist.
Ruk - Customer Experience
Had problem and it was sorted nice and…
Had problem and it was sorted nice and quicklythank you
August 3, 2026
Reply from Vanquis
Hi Mal - We're so pleased to hear that the problem you experienced was resolved quickly and efficiently. Thank you for taking the time to share your positive feedback with us.
Ruk - Customer Experience
Reply from Vanquis
Hi Paul - We appreciate your feedback and are so pleased to hear you find our service efficient and easy to deal with. Thank you for your positive review!
Rachel - Customer Experience
Ive been with Vanquis for three years
Ive been with Vanquis for three years, my credit wasn't the best to start with after coming out of an IVA. I got a £300 credit limit to start and used only what I could afford to pay back in full each month. I clearly wanted to get my credit back to where it was before the separation from my x wife. Now three years on my credit is back to excellent and due to using the card sensibly (like the other ones that fit my credit file at the time) i am getting better rate cards now. This is the only reason I have closed my account today. I have run it in a way to gain the most benifit from it. It's sort of like getting a second chance at rebuilding you past mistakes. The APR is a little high but your credit file is the reason for that, ive used it correctly and my credit limit had increased to £5.3k upon its closure. If you have the willpower to not blow the lot and are genuinely wanting to get your credit back on track these cards can help you achieve this goal. Ive had absolutely no bad experiences from using this card or from talking to customer services (in all honesty cos of the way I've used it ive only called about twice in all the time ive had it). Thank you to Vanquis for helping me improve my credit. It can work this way for anyone who is genuinely going to use it sensibly.
August 7, 2026
Unprompted review
Reply from Vanquis
Hi there - We are so pleased to hear about your positive experience and how our services helped you rebuild your credit. It's truly rewarding to know that we could play a part in your journey to financial recovery. We appreciate you sharing your story and highlighting how sensible use of our card can lead to such positive outcomes. We wish you all the best with your excellent credit!
Rachel - Customer Experience
Reply from Vanquis
Hi Gary - Thank you so much for your kind words. I'm so pleased to hear you feel Vanquis is a supportive lender. We appreciate you taking the time to leave your positive feedback.
Rachel - Customer Experience
I have had a couple of card transfers…
I have had a couple of card transfers over the years and it’s always been easy to navigate. I like that there’s always offers available
July 29, 2026
Reply from Vanquis
Hi Susan - We're so happy to hear that our card transfer process has been easy for you and that you appreciate the available offers. Thank you for your kind words!
Rachel - Customer Experience
Reply from Vanquis
Hi Simon - We appreciate your positive feedback! We are so glad you find our app easy to navigate. Thank you for the 5-star rating.
Rachel - Customer Experience
Vulnerable customer ignored. - Update 13 August 2026
I rarely leave negative reviews, but after exhausting every reasonable avenue I feel other customers should be aware of my experience.
I disclosed serious mental health conditions to Vanquis and provided a GP-completed Debt and Mental Health Evidence Form (DMHEF). I expected my circumstances to be handled fairly and with appropriate consideration.
After obtaining my Data Subject Access Report, I spent many hours reviewing Vanquis' own internal records. Based on those records, I submitted a detailed formal complaint on 23 July 2026 raising concerns about the handling of my vulnerability, restrictions placed on my account, internal notes, and the subsequent sale of my account to Lowell.
Fifteen days later, the Specialist Support Team has still not acknowledged or responded to that complaint.
I then escalated the matter to Customer Relations on 3 August 2026. At the time of writing, I have still received no acknowledgement from them either.
During this time, I received notification that my account had been sold to Lowell while the issues I had raised remained unanswered.
I understand that companies are not obliged to agree with every complaint. However, I do expect a company to acknowledge a formal complaint, particularly one supported by its own internal records and involving a vulnerable customer.
I sincerely hope Vanquis now engages with my complaint and provides a full and fair response.
I will happily update or amend this review if Vanquis engages with my complaint and addresses the issues I have raised.
**Update – 13 August 2026**
Vanquis publicly responded to this review on 7 August stating that the matter was being investigated. Despite that assurance, I have still received no substantive written response, no outcome, no explanation of the current complaint status and no final response.
For clarity, this is not a new issue arising from my Trustpilot review. The underlying concerns relate to Vanquis's longstanding handling of my account after documented vulnerability information was provided, subsequent account restrictions and handling, the default, and the later sale of the account to Lowell while these matters remained unresolved.
I will not publish sensitive personal or financial information on a public platform. Vanquis already has the relevant evidence and correspondence.
I have now escalated this again formally in writing. I also require Vanquis to continue honouring my previously requested reasonable adjustment that communication with me is in writing only.
If the applicable regulatory complaint-handling period has expired without a compliant final response, I will refer the matter to the Financial Ombudsman Service without further notice.
I would therefore ask Vanquis not to provide another generic public assurance that this is being investigated. What is now required is a substantive written response and resolution.
July 23, 2026
Unprompted review
Reply from Vanquis
Hi Samuel - We are truly sorry to hear about the difficulties you have experienced and appreciate you bringing these serious concerns to our attention. We understand your frustration regarding the handling of your mental health conditions, the restrictions on your account, and the subsequent sale to Lowell, especially while your formal complaints remained unacknowledged. We want to assure you that we take your feedback very seriously, particularly when it involves vulnerable customers and the proper handling of sensitive information. We are actively investigating why your complaints were not acknowledged in a timely manner and why the account sale proceeded without resolution. We are committed to reviewing your case thoroughly and providing a comprehensive response to the issues you have raised.
Please allow up to 56 days for a resolution to be provided. If you're still unhappy with the resolution, please seek further support with the financial ombudsman service. Take care!
Ruk - Customer Experience
They breach data protection by gaining…
They breach data protection by gaining numbers not in your name to call relatives battling through cancer then lie about making the phone call claiming the calls not on there records would advise everyone not to use as they dont even compensate for wrong doing currently going through suing them with the obnusman
January 1, 2026
Reply from Vanquis
Hi Phillip - I am truly sorry to hear about your distressing experience and the concerns you've raised regarding data protection and the calls received. This is certainly not the standard of service we aim to provide. Please be assured that we take all feedback seriously and are looking into this matter. please seek further support with the financial ombudsman service. Take care!
Ruk - Customer Experience
The app makes managing my Vanquis…
The app makes managing my Vanquis account easy and transparent
August 7, 2026
Reply from Vanquis
Hi Terence - We appreciate your positive feedback and 4-star rating! We're so pleased that our app makes managing your account easy and transparent.
Ruk - Customer Experience
Transparency and always keep me updated…
Transparency and always keep me updated with emails and in the App
July 21, 2026
Reply from Vanquis
Hi there! We appreciate your positive feedback and 5-star rating! We're so pleased that you find our communication transparent and that our app helps keep you updated.
Ruk - Customer Experience
Dissapointed with vanquis I think I’ve…
Dissapointed with vanquis I think I’ve been with them for 10 years and never missed a payment and always payed more than minimum payment , and yet I had my credit limit reduced by 50 % and never been offered an increase although they did give me £20 compensation after they messed up . Have you reviewed my account then
August 7, 2026
Reply from Vanquis
Hi Karen - We appreciate you sharing your experience and feedback. We understand your disappointment regarding the credit limit reduction, especially given your long history and excellent payment record. We are reviewing our processes to ensure fair and consistent treatment for all our valued customers.
Ruk - Customer Experience
Customer connections
The access to sort problems, and ease of making payments. Though information has been excellent, I was a little annoyed that the online banking for credit card payment was ceased. It was replaced with payment able via the App. Though I do not recall any update when the other system was to cease. Customer service over the years ahs been always helpful and courteous. There have been a few incentives to utilize Vanquis over time, though I would like to see the interest rates dropped an little as I have been a loyal member for many years.
August 7, 2026
Reply from Vanquis
Hi Gwyn - We truly appreciate your positive feedback regarding our customer service and the incentives we offer. We are glad to hear that you find our information excellent and our team helpful and courteous.
We understand your frustration regarding the change in credit card payment options and the lack of a clear update when the online banking payment method was discontinued. We acknowledge that this transition to app-based payments could have been communicated more effectively, and we will certainly take your comments into consideration as we continuously work to improve our communication processes.
We also recognize your loyalty over the years and your desire for lower interest rates. We regularly review our offerings to ensure they remain competitive and fair for all our valued customers. Your feedback is invaluable as we strive to enhance our services and reward our long-standing members. Thank you for sharing your thoughts with us.
Ruk - Customer Experience
Problem with a extra payment with a taxi company
Sadly Vanquis didnt read of understand my position with the extra charge from a taxi company and sided with the taxi company when they were clearly in the wrong.
March 3, 2026
Reply from Vanquis
Hi Sammy - We are truly sorry to hear about your frustrating experience regarding the taxi charge dispute. We understand your disappointment and are reviewing our process to ensure such situations are handled more effectively in the future.
Should you wish to raise a complaint, you can do this through one of the below channels:
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.
Online Webform: Found on our website Vanquis Bank
Kind Regards,
Ruk - Customer Experience
Excellent good card
August 7, 2026
Reply from Vanquis
Hi Lee - Thanks so much for taking the time to rate the service. We are happy that you found our card excellent. We appreciate the 5-stars!
Ruk - Customer Experience
Understanding
Having my Vanquis card is a big help and they are always very helpful with whatever problems you encounter, they're customer service is always polite and helpful and I appreciate that in a company, well worth 5 stars in my opinion...ps, the date of experience is a guess can't remember the exact date.....
August 7, 2026
Reply from Vanquis
Hi Alan - We're so pleased to hear how helpful your card has been and that our customer service team has consistently provided you with polite and helpful assistance. We truly appreciate your kind words and your 5-star rating!
Ruk - Customer Experience
Reply from Vanquis
Hi Marcell - Thanks so much for taking the time to rate the service. We are happy that we gave you an excellent service. We appreciate the 5-stars!
Ruk - Customer Experience
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