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Capital One UK

Entidad de pago · Reino Unido

Acerca de la empresa

Razón socialCapital One (Europe) plc
Año de fundación1996
Sede / país de registroLondon, United Kingdom
Sitio webwww.capitalone.co.uk
Última comprobación08.10.2026

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.

Datos de la cuenta

TIPOS DE CUENTAPersonal credit card account
DEPÓSITO MÍN.Not stated
PLATAFORMASMobile app · Online account · CreditWise
PRODUCTOSCredit cards (Classic, Balance Transfer, interest-free purchases) · Balance transfers · Credit score tracking · Eligibility checks

Licencias y regulación

FCA (United Kingdom)

N.º de licenciaFRN 204440
Titular de la licenciaCapital One (Europe) plc
AlcanceListed 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.
EstadoVerificada

Quejas de usuarios

Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.

Periodo analizado: julio 2026 – octubre 2026

  • Préstamos y tarjetas de crédito: 37
  • Otros: 22
  • Atención al cliente: 10
  • Bloqueo y congelación de cuentas: 7
  • Retiros y pagos: 7
  • Tarifas y comisiones: 7
  • Operaciones no autorizadas: 5

MUY ALTO — NIVEL DE QUEJAS

El 10 % de las entidades con registros de quejas recibió más quejas que esta.

POR TEMA — Préstamos y tarjetas de crédito: Muy alto · Otros: Muy alto · Atención al cliente: Alto · Bloqueo y congelación de cuentas: Medio · Retiros y pagos: Medio · Tarifas y comisiones: Muy alto · Operaciones no autorizadas: Muy alto

FUENTES CONSULTADAS

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, card and dispute problems and the removal of web access stand out.

Fuentes e historial de verificación

Fuentes oficiales de la empresacapitalone.co.uk — homepage, Who are Capital One, credit cards, legal information, footer
Registros del reguladorFCA — Capital One (Europe) plc, FRN 204440 (register.fca.org.uk)
Registro mercantilCompanies House — CAPITAL ONE (EUROPE) PLC (formerly CAPITAL ONE BANK (EUROPE) PLC), company no 03879023, incorporated 17.11.1999
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
Última verificación08.10.2026

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