Capital One (Europe) plc. Registered Office: Trent House, Station Street, Nottingham, NG2 3HX. Registered in England and Wales. Company Number: 3879023.
Capital One is a provider of retail financial services. Authorised and regulated by the Financial Conduct Authority. Register Number 204440.
Capital One (Europe) plc is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 for the provision of payment services.
Email us at: enquiriesUK@capitalone.com. To protect your information, please don't send any confidential or sensitive information in your message as this email address isn't secure.
Copyright and Trademarks
© 2014 Capital One (Europe) plc, Trent House, Station Street, Nottingham NG2 3FB. Capital One Aspire® Elite is a World Elite™ MasterCard®. MasterCard®, World MasterCard® and World Elite™ MasterCard® are registered trademarks of MasterCard International Incorporated.
Capital One is an Authorised Payment Institution
What is an Authorised Payment Institution?
An Authorised Payment Institution (API) is a regulatory structure that was introduced in the UK in November 2009, following implementation of the EU-wide Payment Services Directive.
Does it affect my terms and conditions?
No, your terms and conditions have not changed as a result of us becoming an Authorised Payment Institution.
Does it change my account?
No, your account will not change as a result of us becoming an Authorised Payment Institution.
Will it affect my repayments, interest rates or ability to balance transfer?
No, your repayments, interest rates and the ability to make balance transfers will not change as a result of us becoming an Authorised Payment Institution.
Is Capital One still regulated?
Yes, we continue to be regulated by the Financial Conduct Authority. We also subscribe to the Lending Code, which covers good practice in relation to loans, credit cards, charge cards and current account overdrafts.
Capital One Payment Protection Insurance
Capital One Payment Protection Insurance is underwritten by AXA France Vie (Registered in France with company number 310499959 RCS Nanterre) whose registered office is at 313, Terrasses de l'Arche 92727 Nanterre and AXA Insurance UK plc (a company limited by shares. Registered in England and Wales number 78950) whose registered office is at 5 Old Broad Street, London, EC2N 1AD. AXA France Vie is authorised by the ACPR to operate in Freedom of Services. AXA Insurance UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority, registration number 202312. Regulatory status can be confirmed by visiting the FCA website.
Payment Protection Insurance and Insurance Premium Tax
Insurance Premium tax (IPT) is a tax which is levied on insurance products sold in the UK. On 4 January 2011 the standard rate of IPT increased from 5% to 6%. Capital One Payment Protection Insurance policy holders are unaffected by this change, as the cost of this increase will be borne by us. Should the rate of IPT change in the future we reserve the right to charge you the associated cost. If this occurs and we decide to pass on the increase you will be made aware of the change in premium.
The Financial Services Compensation Scheme (FSCS) and Insurance
The Financial Services Compensation Scheme (FSCS) covers financial services firms
which are regulated by the FCA. This means that the FSCS may pay compensation to
consumers if a regulated business under the scheme is unable, or likely to be unable,
to meet its obligations to you. This depends on the type of insurance and the circumstances
of the claim. Further information about the compensation scheme arrangements is available
on the FSCS website.
Capital One operates CCTV cameras at its UK offices for the purposes of crime prevention and public safety. Images collected by these cameras may be used and retained, in accordance with the Data Protection Act 1998, by Capital One (Europe) plc, and our carefully selected third party service providers, for the purposes described. Images will not be used for any other purposes unless legally required or lawfully permitted under the Data Protection Act 1998. In some cases, for the additional purpose of managing disaster recovery operations, images may be transferred and viewed by Capital One Financial Corporation, and their carefully selected third party service providers, within the US.
For more information please write to us at:
Control Room (CCTV enquiries)
Capital One (Europe) plc