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Vanquis Reviews 

43,411
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Looking at 5,572 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently commend the service for its reliability, fairness, and role in improving credit scores, often noting credit limit increases. The application process is straightforward and quick, with many appreciating proactive rewards. The mobile app is widely praised for being easy to use, providing essential account information, and facilitating seamless payment management. Customer service is consistently described as helpful, courteous, and efficient, with many valuing the supportive human interaction. However, some people were dissatisfied with payment processing, reporting missing payments or unaccepted transactions, and finding it difficult to reach support for resolution. A few reviewers also experienced issues with the app or physical card functionality, and some noted unexpected credit limit reductions or refusal of payment holidays.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, with many finding the app and website easy to use... See more

Payment

People report ambiguous experiences with payment, with some finding the app easy to use for making payments... See more

Customer service

Consumers find customer service to be positive, with many reviewers consistently reporting helpful, polite,... See more

Service

Customers had positive experiences with service, often expressing satisfaction and appreciation for the... See more

Application

Users describe positive interactions with the app, often highlighting its ease of use, efficiency, and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

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

Company replied

Rated 4 out of 5 stars

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

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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


Company details

  1. Bank

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

4.3

Excellent

TrustScore 4.5 out of 5

43K reviews

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4.3

All reviews

(43,411)

5,187 reviews in the last 12 months

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Rated 5 out of 5 stars

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
Vanquis logo

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

Rated 5 out of 5 stars

Excellent service 👏

Excellent service 👏

August 7, 2026
Vanquis logo

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

Rated 5 out of 5 stars

So easy to deal with customer service…

So easy to deal with customer service can't fault them

August 1, 2026
Vanquis logo

Reply from Vanquis

Hi Allyson - We are so pleased to hear that you found our customer service easy to deal with. Thank you for your wonderful feedback and 5-star rating!

Ruk - Customer Experience

Rated 2 out of 5 stars

not everyone likes or uses a smart phone

I am a disabled pensioner and all my banking is done on line from home, I do not have a smart phone and the recent withdrawal of internet banking is going to create a problem. I will see how it goes but I think ultimately I will have to part company and find a credit card that thinks a bit more of its longstanding customers.

August 5, 2026
Vanquis logo

Reply from Vanquis

Hi there! We understand your concerns about the recent changes to our internet banking services, especially given your reliance on online banking and not having a smartphone. We truly value your long-standing custom and are sorry to hear this is causing you difficulty. We are always looking for ways to improve our services and your feedback is important to us.
! If you need support without using the app, please call 0330 099 3000.

Ruk- Customer Experience

Rated 5 out of 5 stars

The company is very understanding and…

The company is very understanding and helpful with the use of my card and money.

July 15, 2026
Vanquis logo

Reply from Vanquis

Hi Anna - We appreciate your positive feedback and 5-star rating! We're so happy to hear that you find our service helpful and understanding regarding your card and finances.

Ruk - Customer Experience

Rated 5 out of 5 stars

10 out of 10 fantastic service

10 out of 10 fantastic service, thank you

August 7, 2026
Vanquis logo

Reply from Vanquis

Hi Stephen - We appreciate your positive feedback and are so glad to hear you found our service fantastic. Thank you very much for sharing your experience with us!

Ruk - Customer Experience

Rated 5 out of 5 stars

Easy to understand and use and very…

Easy to understand and use and very reliable. Thank you Vanquis

August 7, 2026
Vanquis logo

Reply from Vanquis

Hi Katrina - We appreciate your feedback and are so pleased to hear you find our service easy to understand, use, and reliable. Thank you for your positive review!

Ruk - Customer Experience

Rated 5 out of 5 stars

Was easy to apply for

Was easy to apply for. Customer service is good.

August 7, 2026
Vanquis logo

Reply from Vanquis

Hi Jennifer - We appreciate your feedback and 5-star rating! We are so pleased that the application process was easy and that you had a good experience with our customer service.

Ruk - Customer Experience

Rated 5 out of 5 stars

Great service

Great service, used them to transfer balance and it was quick and easy

July 16, 2026
Vanquis logo

Reply from Vanquis

Hi Stacey - We appreciate your feedback! We're so pleased to hear that your balance transfer was quick and easy. Thank you for sharing your positive experience with us.


Ruk - Customer Experience

Rated 5 out of 5 stars

Excellent Customer Service

Excellent Customer Service
Problem solved Quickly with Ease
Recommended 5*

August 5, 2026
Vanquis logo

Reply from Vanquis

Hi there! We're so happy to hear that you had an excellent experience with our customer service and that your problem was resolved quickly and easily. We truly appreciate your recommendation!

Ruk - Customer Experience

Rated 5 out of 5 stars

Fixed

Just joined these and can't get the app to "verify my email"
11 attempts still isn't working no vpn being used turned my fone off and on tried different browser nothing..
Shambles any other credit card firm instant but this ones just not allowing me to validate my email and judging by the reviews on Google play store seems to be the same feedback.
Once or if I get fixed review will be amended accordingly

*UPDATE*

lady from customer service very helpful was missing a didget in my phone number, account up and running and working..
Thank you

August 7, 2026
Unprompted review
Vanquis logo

Reply from Vanquis

Hi Kyle - We're truly sorry to hear you're having such difficulty verifying your email for the app. It's frustrating when things don't work as they should, and we understand your disappointment. We're actively working to improve this process. 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

Rated 5 out of 5 stars

Whenever I rang them they was always…

Whenever I rang them they was always very helpful.

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi Marilyn - We are so pleased to hear that our team has always been very helpful when you've contacted us. Thank you for sharing your positive feedback.


Ruk - Customer Experience

Rated 5 out of 5 stars

The best credit card had

The best credit card had. Low interest charged, they gave me and loan

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi there! We're so happy to hear you're pleased with your credit card and the loan you received! Thank you for your positive feedback.

Ruk - Customer Experience

Rated 5 out of 5 stars

Simply the best

Never any trouble with anything so easy payments always taken on time credit increases often offered as long as you pay on time you get no problems best credit card by far

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi Stephen - We're so happy to hear about your positive experience with our easy payment options and credit increases. We truly appreciate you sharing your satisfaction with us!

Ruk - Customer Experience

Rated 5 out of 5 stars

Always efficient & honest

Always efficient, explain everything really well & the app is very easy to use.

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi there - We appreciate your positive feedback and 5-star rating! We're so glad to hear that our services are efficient, that we explain everything well, and that our app is easy to use.

Rachel - Customer Experience

Rated 5 out of 5 stars

Love the App so easy to use

Love the App so easy to use

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi there - We appreciate your positive feedback and are so glad you find our app easy to use! Thank you for sharing your experience.

Rachel - Customer Experience

Rated 5 out of 5 stars

Really easy website

Really easy website, never had any problems and know where to go if i have questions or issues, not that ive had any. Very pleased with the service 😀

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi Catherine - We're delighted to hear that you find our website easy to use and that you haven't encountered any problems! It's wonderful to know you're pleased with our service. Thank you for your positive feedback!

Rachel - Customer Experience

Rated 5 out of 5 stars

I have had a great experience with you

I have had a great experience with you, gave the the option of transferring money and increased my credit limit

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi there! We're so happy to hear you've had a great experience with us! It's wonderful that we could offer you the option of transferring money and increase your credit limit.

Ruk - Customer Experience

Rated 5 out of 5 stars

Vanquis great for credit score

Vanquis has been essential in rebuilding my credit score. Not only is the app really helpful but as I have consistently repaid my credit limit has increased several times.

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi Malcolm - We're so pleased to hear that our services have been essential in helping you rebuild your credit score and that you find the app helpful. It's great to know your credit limit has increased!

Ruk - Customer Experience

Rated 5 out of 5 stars

I will be forever grateful to vanquis…

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 are always kept informed regarding your limit and of any alterations and new ideas to my account. Thank you so much

August 6, 2026
Vanquis logo

Reply from Vanquis

Hi Gary - We are so grateful to hear about your positive experience and how we've been able to help you build your credit score. It's wonderful to know that our efforts to keep you informed about your account have been appreciated. Thank you for your kind words!

Ruk - Customer Experience

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