capitalontap.com

4.4
4.4 Based on 40 reviews

...

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Average Rating

4.4

/
5

40 Reviews

5 Star
71%
4 Star
7%
3 Star
2%
2 Star
2%
1 Star
18%

All Reviews

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Review Time

Cuneyt Tekin
Unbelievably amazing! The entire staff is extremely helpful, understanding, and always spot on! Dear

Unbelievably amazing! The entire staff is extremely helpful, understanding, and always spot on! Dear Capital on Tap management, please look after them!

5
Date of experience: Feb 19, 2026
Stephen Lee
Change of ownership of the company so why not change the guarantor and leave things as they are inst

Change of ownership of the company so why not change the guarantor and leave things as they are instead of going through the nightmare of having to create a new account and re-enter all card requirement?

We also had to withdraw £86k from savings but you have lost that now as now invested elsewhere. otherwise a great service but not the migration which was awful.

2
Date of experience: Feb 14, 2026
Craig O Donnell
Something very fishy about them…… avoid Got over 15 cards with for my company and everything seeme

Something very fishy about them…… avoid

Got over 15 cards with for my company and everything seemed to be going well until my own card suddenly started being used in Poland whilst I was sat at my desk in UK. Card blocked and COT contacted but transactions totalling £600 still went through.

At first great and charges refunded but two days later email received saying all our fault and a token had been accepted by me allowing someone else to download the card in Poland. Never ever happened and how did they get all the details to ask for a link if they didn’t get them from within COT?

Very little know about them but I have now removed all Apple Wallet cards from staff and reinstated their HSBC ones as they told me their was something off about the whole incident.

COT not replying to emails so for the promised cashback that is awarded, be aware you are likely to lose it to someone they probably know 🤔

1
Date of experience: Feb 06, 2026
Stupid outfit. I forgot until today, when I received another of their flyers saying I qualify for on

Stupid outfit. I forgot until today, when I received another of their flyers saying I qualify for one of their credit cards. Stupidly, they have my name connected with a different construction company that I have never even dealt with. Are people that stupid, or is it AI?
David Luck shouldn't have his signature attached to this.

1
Date of experience: Jan 26, 2026
Scarlett Powell
Fast and effortless

Very fast and effortless. The card arrived in just two days!

5
Date of experience: Dec 12, 2025
Sofi Gibson
Exceptional service

Exceptional service.

5
Date of experience: Dec 12, 2025
OB44
Application Rejected Without Explanation

After applying, my application was rejected without any reason provided. It's quite ironic that I keep receiving pre-approved offer letters from them every few weeks, yet they still do not approve my application for the credit card! Completely unhelpful.

1
Date of experience: Dec 11, 2025
Lina Neves
Convenient and easy

5
Date of experience: Dec 11, 2025
Drummond Price
Ineffective customer support with restrictive offers

After applying, my application was rejected without any explanation. Ironically, the pre-approved offer letters keep arriving every few weeks, yet they still do not approve my application for the credit card. Very ineffective.

1
Date of experience: Dec 11, 2025
Sid Kelly
Excessive charges for a minor timing issue

The direct debit was attempted around 3 AM, but our top-up funds arrived around 9 AM, leading to a failure. We called and paid the same day. While we acknowledge we missed the direct debit, charging our company £400 for what was essentially a short timing issue that was resolved immediately feels extremely unfair. Very poor customer treatment.

1
Date of experience: Dec 11, 2025

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