Vanquis Bank

Vanquis Bank: credit cards, savings, and loans in the UK

Vanquis Bank Limited is a financial institution registered in England and Wales with company number 02558509, with its registered office at Fairburn House, 5 Godwin Street, Bradford, BD1 2AH. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with Financial Services Register number 221156. The institution states it serves over 1.7 million customers.

Credit products

The credit card range includes several options: Credit Builder, Balance Transfer, Purchase, Travel, Low APR Balance Transfer, and cards for people with a poor credit history. The institution offers the ability to check card eligibility without impacting your credit score and to finance purchases at 0% for up to 19 months. The representative card has a variable APR of 37.9%. Customers can choose from six colours: black, pink, aqua, blue, rose, or purple.

Savings and investment

Vanquis offers easy access, fixed rate, notice, and cash ISA savings accounts. According to the website information, savings accounts allow you to earn up to 5.25% AER interest, with the option to lock away your money for a higher rate or access it at any time. Deposits are protected by the Financial Services Compensation Scheme up to £120,000.

Loans and finance

The institution offers loans for people with bad credit, no credit history, for home improvements, debt consolidation, and secured loans. It also offers second charge mortgages and vehicle finance.

Digital services and management tools

The Vanquis mobile app lets you check your balance, make payments, and access up-to-date account information. The institution integrates the Snoop app to help users budget and save money, with features to see all transactions in one app, track spending, set budgets, improve your credit score, and reduce bills. The website also offers a benefits calculator and a credit card interest calculator.

Customer service and support

The Vanquis help centre covers enquiries about credit cards and savings, complaints handling, wellbeing support, fraud protection, and accessibility. It also has channels to report lost or stolen cards or devices and to report problem transactions.

Corporate and regulatory information

Vanquis Bank Limited is registered in England and Wales with company number 02558509 and its VAT number is 180555952. The institution has an investor centre, a media centre, a careers section, and a corporate foundation. Credit is subject to affordability assessment and credit checks, and is only available to UK residents aged 18 or over.

Location and contact

Fairburn House, 5 Godwin Street, Bradford, BD1 2AH