It's doing very well my card has been very helpful this month I'll be paying it off then probably using it again. After next month I will try not to use it so much but it's there if I need it the only... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
* Very good services throughout my experience so far. * Quick fast acting. * Good swift respond when needed. * Highly professional. * Staff is good and Cooperative when required. Ocean Finan... See more
Company replied
Very easy to be authorised & the app is very helpful. The app is very easy to use, seems secure & displays all relevant information in 3 main screens but you can find the menu easily for more functio... See more
Company replied
Very easy application, everything spelt out in advance of what is due and when. Starting with right amount and hopefully improve credit rating by keeping payments in schedule.
Company replied
Company details
Written by the company
Ocean Finance has been helping people with their finances for more than a quarter of a century. That means we’ve not only stood the test of time, but we’re experienced too! We’ll help you find the right product for your needs and situation – even if you have bad or adverse credit.
Contact info
Orange Tower, MediaCityUK, M50 2HF, Salford, United Kingdom
- 0161 672 7575
- contactus@ocean.co.uk
- oceanfinance.co.uk
4.5
Excellent
3K reviews
Replied to 95% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
No pin change allowed?
I am not allowed to change my pin im spite of requesting on chat.
May 15, 2026
Unprompted review
Reply from Ocean Finance
Hi, thank you for review, although we are sorry to hear about your recent experience.
The Ocean Credit Card is powered by Capital One, who acts as the lender and is responsible for the processing of applications and the ongoing management of customer accounts.
For this reason, you’ll need to speak with their ‘Card Enquiries’ team who are available 24 hours a day on 03444 812 812 and will be happy to help you.
For data protection and security reasons, Capital One are unable to discuss card related matters via email.
If you would prefer to contact them using other means, below is a link to additional forms of communication with Capital One.
https://capitalone.co.uk/ocean/contact-us
Thank you, and again, we apologise for any inconvenience.
The Ocean Customer Contact Team
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No hassle with transactions
No hassle with transactions, always updated.
May 19, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The Ocean Customer Contact Team
Very punctual and when I spoke to…
Very punctual and when I spoke to someone on the phone very professional, thanks again
May 4, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Lovely card
Just a simple card to build my credit rating up which has happened nicely. Do you do loans for a cruise for me and the mrs. Would qbe interested if so.
May 18, 2026
Unprompted review
Reply from Ocean Finance
Thanks for the 5-star rating. If you have any feedback or suggestions, please write to us at contactus@ocean.co.uk. We would love to hear from you!
The Ocean Customer Contact Team
Creditvcard…
No problems the card arrived within the 10 days credit limit no problem
May 8, 2026
Unprompted review
Reply from Ocean Finance
This is great to hear, thank you so much!
The Ocean Customer Contact Team
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How easy was that . . .
I saw the ad, I applied and received my card all within about 10 days.
So simple!
May 8, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Title: Systemic Negligence, Toxic Customer Service,
Title: Systemic Negligence, Toxic Customer Service, and Appalling Incompetence
Rating: ⭐ (1 out of 5 stars)
"Avoid Ocean Finance at all costs. Their financial systems are completely defective, and their customer service is a total shambles.
After texting me to confirm a clear £1,500 available credit balance, their card summarily declined at a retail counter in London despite me entering the correct PIN. This is the third time their broken systems have subjected me to intense public embarrassment and reputational damage at a retail counter. This is a repeat of my onboarding experience where they sent an official letter with the completely wrong PIN mapping.
When you call to sort out their mistakes, you are trapped in an oppressive 59-minute phone maze. I had to request escalation to a manager FIVE consecutive times because the front-line staff actively tried to gatekeep the complaints process and block me from speaking to supervisors. They aggressively try to shift the blame onto the consumer for their own technical glitches.
To top it all off, their publicly listed complaints email address bounces back as completely inactive. They are actively dodging accountability and are in flagrant breach of the FCA Consumer Duty regulations regarding fair customer outcomes.
A formal legal complaint has been sent via recorded delivery to their head office, and this will be escalated straight to the Financial Ombudsman Service. Utterly diabolical company. Do not trust them with your money
Scott Bryant
May 15, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear about your recent experience.
We would be happy to feed this back to the lender, Capital One, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and raise this with them?
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
The flexible card…
It's flexible very easy to use you can take it anywhere.when you get the card they explain step by step how to use your card it's very simple to use.
May 1, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Still not received my card after weeks…
Still not received my card after weeks off waiting
May 15, 2026
Unprompted review
Reply from Ocean Finance
Hi, thank you for review, although we are sorry to hear about your recent experience.
The Ocean Credit Card is powered by Capital One, who acts as the lender and is responsible for the processing of applications and the ongoing management of customer accounts.
For this reason, you’ll need to speak with their ‘Card Enquiries’ team who are available 24 hours a day on 03444 812 812 and will be happy to help you.
For data protection and security reasons, Capital One are unable to discuss card related matters via email.
If you would prefer to contact them using other means, below is a link to additional forms of communication with Capital One.
https://capitalone.co.uk/ocean/contact-us
Thank you, and again, we apologise for any inconvenience.
The Ocean Customer Contact Team
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Easy application card arrived quickly…
Easy application card arrived quickly excellent credit limit
April 25, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Horrible to deal with said they sent me…
Horrible to deal with said they sent me a refund it didnt arrive said they blocked a merchant from taking money from card didnt happen merchant took money 2 weeks later,time to close account horrible to deal with.
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear about your recent experience.
We would be happy to feed this back to the lender, Capital One, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and raise this with them?
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
Easy to apply and a quick decision good…
Easy to apply and a quick decision good experience credit available immediately,can't fault it
April 24, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
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Had problems with my transactions and…
Had problems with my transactions and spoke to someone on chat and they were very helpful and explained everything. Waiting time was short. Very satisfied.
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The Ocean Customer Contact Team
FAST AND EFFICIENT
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Great company and easy to understand…
Great company and easy to understand online
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review. We really appreciate the positive feedback.
The Ocean Customer Contact Team
Great App,easy to use and setup
Great App,easy to use and setup. Great customer support. What more can I say. Excellent service.
February 9, 2026
Unprompted review
Reply from Ocean Finance
Thank you for your kind words.
The Ocean Customer Contact Team
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Spot on!
All straightforward and easy with nothing that can't be sorted almost immediately!
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Everything is easy to find on the app…
Everything is easy to find on the app and if you need help its very easy and fast to talk to someone!
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
Application was quick and painless
Application was quick and painless, and replies were swift and provided all the information needed.
May 12, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it! We are glad to hear that you found the application process easy.
The Ocean Customer Contact Team
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