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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Capital One UK

Payment institution · United Kingdom

About the company

Legal company nameCapital One (Europe) plc
Year founded1996
Headquarters / registered countryLondon, United Kingdom
Websitewww.capitalone.co.uk
Last checked08.10.2026

According to its official website, Capital One UK is a credit card company that issued its first credit card in 1996 and says it is now one of the UK's top ten card providers; it says more than 4 million people have been approved. It offers the Classic card for building credit (starting limit £200–£4,000, up to two limit increases a year), a Balance Transfer card with up to 18 months interest-free on transfers, and a card with up to 12 months interest-free on purchases; the representative variable APR is 34.9%. It provides the QuickCheck eligibility checker with no impact on credit scores, the free CreditWise credit score and account management through its mobile app. Services are provided to UK residents aged 18 and over by Capital One (Europe) plc in Nottingham (Trent House, Station Street); in the FCA register the company also holds consumer credit, debt collecting and credit information permissions. According to Companies House the company was incorporated in 1999. This information is the company's own statement.

Account Details

ACCOUNT TYPESPersonal credit card account
MIN. DEPOSITNot stated
PLATFORMSMobile app · Online account · CreditWise
PRODUCTSCredit cards (Classic, Balance Transfer, interest-free purchases) · Balance transfers · Credit score tracking · Eligibility checks

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 204440
Licence holderCapital One (Europe) plc
ScopeListed in the FCA register as an Authorised Payment Institution under Capital One (Europe) plc (FRN 204440) since 29 May 2018. The firm has been FCA-authorised since 1 Dec 2001 and holds consumer credit lending, debt collecting and credit information permissions.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: July 2026 – October 2026

  • Account / trading conditions: 42
  • Withdrawal / payment: 24
  • Customer support: 18
  • Identity verification: 5
  • Other: 4
  • Bonus / promotion: 2

No. 106 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Account / trading conditions: 102. · Withdrawal / payment: 164. · Customer support: 61. · Identity verification: 144. · Other: 183. · Bonus / promotion: 78.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews on Capital One UK's Trustpilot page (95) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Capital One UK name are left out. Across the complaints, credit limits not being raised, the move to app-only access, refunds refused on disputes and fraud claims, and poor customer service stand out.

Sources and verification history

Official company sourcescapitalone.co.uk — homepage, Who are Capital One, credit cards, legal information, footer
Regulator recordsFCA — Capital One (Europe) plc, FRN 204440 (register.fca.org.uk)
Company registerCompanies House — CAPITAL ONE (EUROPE) PLC (formerly CAPITAL ONE BANK (EUROPE) PLC), company no 03879023, incorporated 17.11.1999
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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