Also known as: Capital One UK; Ocean Credit Card (historical)
Capital One (Europe) plc is the UK and European subsidiary of Capital One Financial Corporation, one of the largest US credit card issuers. It focuses on the UK credit card market, offering products to a wide range of customers including those building or rebuilding credit. The company is one of the UK's leading credit card providers with approximately 1,581 employees.
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Credit cards (balance transfer, purchase, rewards, credit-building), credit score tools
Trading names and group notes
Capital One Global Corporation is a major shareholder of Capital One (Europe) plc. The UK entity is a public limited company (plc) incorporated on 17 November 1999 in England and Wales. Ocean Credit Card was a previous brand operated under this entity.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.2
Approx. 4,921 reviews
Other review and social proof
Trustpilot UK page: 4.2/5 with ~4,921 reviews; Ranked #147 of 163 in Non-bank financial services on Trustpilot (by category rank); Capital One UK app on Google Play: com.ie.capitalone.uk — 5.4 million downloads; Apple App Store: id481679012; Open Banking regulated provider: openbanking.org.uk/regulated-providers/capital-one-europe-plc
Overall public sentiment
Capital One UK receives a moderate Trustpilot rating of 4.2/5 from approximately 4,921 reviewers. Customers appreciate accessible credit-building products and digital tools including free credit score access. Negatives include high interest rates and limited product range compared to high street banks.
Review sources
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