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Contact us

Please note that if you’re calling us you may find it takes longer than usual to connect to an agent. This is because we’re currently handling lots of calls and have fewer agents as some of our team are impacted by coronavirus.

We understand the uncertainty that coronavirus is causing. A lot of people are calling us at the moment and it’s taking longer than normal to get through to an agent. This is because coronavirus has impacted our team.

To contact us about coronavirus, go to your online account

If you have been affected by coronavirus and you’re worried about your payments, you can apply for a payment holiday in your online account.

For guidance and the latest information, go to our coronavirus page.

For non-urgent queries

At the moment, it might be easier for you to make payments or manage your account in the app or your online account.

If you need to get in touch, you can send us a secure message from your online account.

Typically, we will respond in five days.

Call us

Due to the impact of the coronavirus our opening hours are currently:

Mon to Fri 8am - 9pm
Sat 8am - 5pm
Sunday Closed

Out of opening hours there is still the option to use the automated options to self serve including making a payment.

Call Us
Query Phone number
General account 03444 812 812
General account (if you are calling from outside the UK) +44 115 993 8002
Online account 03444 814 000
Report your card lost or stolen 0800 952 5267
Report your card lost and stolen from abroad +44 115 993 8002
Report fraud 0800 952 5458
or via online form
Problem with a Transaction More information
If you're struggling with payments and need help 0800 952 4966
Existing applications 0800 952 5252

  • You can write to us at:

    Capital One Card Services
    P.O. Box 5283
    Nottingham
    NG2 9HD

    If you want to send us a cheque, please post it to: Capital One Europe Plc, PO Box 1517, NORTHAMPTON, NN1 9GZ

    If you want to send us a cheque, please post it to:
    Capital One Europe Plc
    PO Box 1517
    NORTHAMPTON
    NN1 9GZ

  • Need help understanding?

    We try to ensure all our information is easy to understand, but we realise sometimes things can still be unclear. If you're having difficulties we offer additional support for all customers, conditions or learning disabilities.

    If you would like to talk to someone call 0344 481 4814

    Due to the impact of the coronavirus our opening hours are currently:

    Mon to Fri 8am - 9pm
    Sat 8am - 5pm
    Sunday Closed

If you're deaf or hard of hearing

Customers using a textphone (or the "NGT Lite" app* on a compatible device) can contact us through the Next Generation Text Service (formerly Typetalk / Text Relay) on the below:

Due to the impact of the coronavirus our opening hours are currently:

Mon to Fri 8am - 9pm
Sat- 8am - 5pm
Sunday Closed

Out of opening hours there is still the option to use the automated options to self serve including making a payment.

Minicom Users
Query Phone number
General account or lost and stolen 18001 0344 481 8852
Report suspect fraud on your account 18001 0800 9525066
If you're struggling with payments and need help 18001 0800 9525071

*The "NGT Lite" app has been developed by Next Generation Text and is free to download. This can be installed on a range of compatible internet connected devices such as laptops, tablets, and smartphones. For more information on the "NGT Lite" app, please visit http://ngts.org.uk/app_index.php opens in a new tab .

If you have a complaint

For more information and to make a complaint we have a dedicated Complaints page.

Call Charges:
Calls to 0800 are free if made from a UK landline or personal mobile. Calls to 03 numbers are charged at the same rate as dialling an 01 or 02 number. If your fixed line or mobile service has inclusive minutes to 01/02 numbers, then calls to 03 are counted as part of this inclusive call volume. Non-BT customers and mobile phone users should contact their service providers for information about the cost of calls.

Calls may be recorded/monitored for training purposes.