Smart Money People Logo
Go to business site

Voting in the British bank awards 2026 is open - Vote here

Share this page
Link copied

Vanquis reviews

Vanquis Logo
Rated Excellent • 4.77/5

Vanquis reviews

Verified businesses always have up to date contact details and can respond to reviews.

Verified business Last reviewed within 21 days
Write a review
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • FCA approved and regulated
    FCA approved and regulated
  • Fully digital service with no in-person branches
    Fully digital service with no in-person branches
  • On-line application and approval process
    On-line application and approval process

Review summary

People rate this company as Excellent based on 21,779 product reviews

Average score of 4.77/5
5 star
85%
4 star
10%
3 star
2%
2 star
1%
1 star
2%
Reviews for Vanquis have trended positively 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.
Summarised by AI
Was this helpful?

About Vanquis

Vanquis is a bank that operates in the UK.

The business that eventually became Vanquis was founded in Bradford in 1880 by Joshua Kelley Waddilove. Vanquis see themselves as different to other high street banks as they lend to a wider range of customers.

Vanquis also has a free app called Snoop. It can help you track changes to your credit score, take control of your spending and cut your bills.

Vanquis at a glance

Contact details

Phone
0330 099 3000
Social media

Reviews for Vanquis

Showing 11 of 21779 company reviews • Last reviewed within 21 days

Mixed Experience with Vanquis Credit Card!

Credit card • 24th January 2026

I have had a Vanquis credit card for some time, and my experience has been a mix of positives and challenges. The card helped me... I have had a Vanquis credit card for some time, and my experience has been a mix of positives and challenges. The card helped me build my credit score when used responsibly. The application process was straightforward, and I was approved relatively quickly. I had an issue in the past where my account was blocked unexpectedly. I was asked to provide bank statements from another account I hold due to a money transfer, which caused delays and frustration. The customer communication during that period could have been clearer or more supportive. While the Vanquis credit card can be useful for building or improving your credit, my experience with account blocking and documentation requests was stressful and took effort to resolve. I would advise others to be prepared to provide supporting documents and to stay on top of communications with customer service. Read more Read less

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

Overall very good service and fairly easy to sign.

Vanquis Savings • 23rd January 2026

Overall very good service and fairly easy to sign. Handled my ISA transfer really well. The rate can do with being more competitive.

{"display":"Dan Pkr","full_name":"Dan Pkr","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Good • 4/5
Read more product reviews
  • 5/5

    Very good banking experience, one of the best credit...

    Very good banking experience, one of the best credit cards I’ve ever used

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

    Professional

    Great customer service and professionalism

    {"display":"Sasha Sasha","full_name":"Sasha Sasha","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1252159.png"}}'s avatar
  • 1/5

    Poor complaints handling and broken promises

    I had a frustrating experience with Vanquis that I need to share. Called the activation number on my new card sticker and it straight up... I had a frustrating experience with Vanquis that I need to share. Called the activation number on my new card sticker and it straight up didn’t work. Called them directly (after holiday delay) and was told it was active - still didn’t work. Their complaints handling was appalling. Submitted a proper written complaint through their online form and they completely ignored it. Promised to call me back - never happened. Later claimed they’d left voicemails when they hadn’t. Shabby treatment from start to finish. Just basic maladministration. Read more Read less

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

    Worst ever customer service in the world

    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
    Credit card
    KAZI ULLAH 13th December 2025
  • 1/5

    Terrible customer service!

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

    {"display":"BM","full_name":"BM","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Credit card
    BM 3rd December 2025
  • 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

    Products from Vanquis

    Showing products offered by Vanquis

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice