They are providing the worst customer service possible. I made a money transfer in the beginning of December 2025, it didn’t go through but it is still on my balance. I have called numerous times without receiving an update until I raised a formal complaint for which I have received a Final Response Letter that said that the funds will be reversed in my account on 16th January 2026 as the funds were recalled with the bank from 12th December. It is now 16th February and they are apparently still waiting for a response from the bank. I seriously doubt much was done to solve this despite calling numerous times it is now over 2 months of calling without any actual progress, this has been by far my worse experience with a financial services provider. I never would have thought that a UK credit card company could have such awful standards they simply do not care about the customer, they continuously lie - one customer service agent said that the funds were recalled on the 2nd February despite the letter saying that this happened in December. I am thinking about raising a complaint with the Financial Ombudsman service.
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Vanquis serves over 1.7 million borrowers and savers in the UK. But while we may be a bank, we see ourselves as different from the traditional high street banks. You don’t need the highest credit score to borrow from us. You don’t need the biggest bank balance to save with us. We’re here for everyone who wants to manage their money better. Whether you're building your credit score, cutting your bills, or saving for your next move, we could help you take life's opportunities. We’re Vanquis – the bank that’s got your back.See more
