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Vanquis reviews

Vanquis Logo
Rated Excellent • 4.78/5

Vanquis reviews

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Verified business Last reviewed within 7 days
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Review summary

People rate this company as Excellent based on 21,774 product reviews

Average score of 4.78/5
5 star
85%
4 star
10%
3 star
2%
2 star
1%
1 star
2%
Reviews for Vanquis have trended negatively over the past 90 days

Vanquis credit cards are loved for their easy application, helpful app, and solid credit-building support. The customer service is often praised for being friendly, understanding, and quick to help. However, many find the interest rates sky-high and frustrating, with credit limit increases slow or rarely granted. Some also struggle with inconsistent or poor customer service experiences.

Positive themes

  • Vanquis credit card is easy to apply for and the app is simple and user-friendly.
  • Vanquis helps build credit scores and offers good support for credit improvement.
  • Customer service at Vanquis is friendly, helpful and quick to resolve issues.

Negative themes

  • Interest rates on Vanquis cards are very high and make repayments tough.
  • Credit limit increases are slow or often denied despite good payment history.
  • Customer service can be unhelpful or rude with poor communication at times.
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About Vanquis

Vanquis Bank has helped over 3 million people (figure correct as at Dec 2015) improve their credit rating by providing them with credit cards. Smart Money People is the place for Vanquis Bank reviews. Read and write reviews to help increase trust and transparency in Financial Services.

Vanquis at a glance

Reviews for Vanquis

Showing 11 of 21774 company reviews • Last reviewed within 7 days

Worst ever customer service in the world

Credit card • 13th December 2025

I have been a Vaquis credit card customer since 12 July 2007. Now I have 29 credit cards with a limit of £84,030. The worst... I have been a Vaquis credit card customer since 12 July 2007. Now I have 29 credit cards with a limit of £84,030. The worst ever credit card customer service and higher interest is Vanquis. The staff are so incompetent that for more than 2 months, they couldn't refund the amount of £4500. They're thinking that if they don't refund, what can we do!!? Please be careful with this group; the high interest will rip you off. Read more Read less

{"display":"KAZI ULLAH","full_name":"KAZI ULLAH","avatar":{"url":"\/assets\/uploads\/avatars\/users\/791606.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews

Terrible customer service!

Credit card • 3rd December 2025

Terrible customer service! could not get the balance transfer done.

{"display":"BM","full_name":"BM","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
BM
Rated Terrible • 1/5
Read more product reviews
  • 5/5

    They try to help you even when skinned financially.

    They try to help you even when skinned financially. So no complaints from me what so ever.

    {"display":"Vlad","full_name":"Vlad","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    very nice credit card and easy setup

    very nice credit card and easy setup

    {"display":"Khurram akhlaq","full_name":"Khurram akhlaq","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1151931.png"}}'s avatar
  • 4/5

    One of the best that I know in UK

    It is one of the best that I have known

    {"display":"Felix A","full_name":"Felix A","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    I like it because, if anything they verify everythin...

    I like it because, if anything they verify everything for me. There customer service is good and they are very helpful

    {"display":"Carole c","full_name":"Carole c","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    I been with vanquished for less than a year and I’m...

    I been with vanquished for less than a year and I’m happy with there service

    {"display":"Beatrice G","full_name":"Beatrice G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    I have had the WORST experience with Vanquis bank

    I have had the WORST experience with Vanquis bank and would never recommend them to anyone. They prey on people who are in a financially... I have had the WORST experience with Vanquis bank and would never recommend them to anyone. They prey on people who are in a financially precarious situation. I took a loan from them in February 23 following my mothers death to pay funeral expenses. I paid this every month without fail. In late 2024 i moved bank and they could no longer take payment through CPA. I was provided with a reference number to set up a standing order as they do not so direct debits - which is weird - but OK. I then start getting hounded with calls saying i haven't paid. EVENTUALLY they identify i was given a wrong reference number. They then sold my account to antelope loans saying i was behind a month in payments when i was not. I have provided various items of proof and they still couldn't sort it out. I had to contact the ombudsman. They agreed to rectify. I have asked on multiple occasions for written confirmation from them and they just ignore or send non sensical replies with poorly written English. They have affected my credit file despite me NEVER missing a payment. They have offered me compensation twice which hasn't been paid. They are the worst company I have ever had the misfortune of dealing with and will never again. Please protect yourself from this company who are the most inept!!!!!!!! Read more Read less

    {"display":"Emma O","full_name":"Emma O","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Loans
    Emma O 11th September 2025
  • 5/5

    Helpful, friendly and good interest rates

    Helpful, friendly and good interest rates

    {"display":"Katie Wilson","full_name":"Katie Wilson","avatar":{"url":"\/assets\/uploads\/avatars\/users\/591662.png"}}'s avatar
    Vanquis Savings
    Katie Wilson 8th September 2025
  • 5/5

    Easy to use!

    Easy to use! Looking forward to the new app

    {"display":"Olivia ","full_name":"Olivia ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Vanquis offers balance transfers

    Vanquis offers balance transfers

    {"display":"fizzleaf71","full_name":"fizzleaf71","avatar":{"url":"\/assets\/uploads\/avatars\/users\/717277.png"}}'s avatar
    Credit card
    fizzleaf71 5th September 2025

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