Joining up was pretty straightforward with card arriving within days. Trying to include another cardholder was quite fretful, it would be very useful if there was dedicated tab for this. It took a lon... 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
The process of being assessed & approved for an Ocean credit card was quick easy and efficient. Truly as I remember it took less than twenty minutes, my new card was reasonably quick to arrive. Again... See more
Company replied
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
Easy to apply, quick approval, sensible credit limits to begin with and very helpful for those with a not so good credit score. Great for bigger one off purchases. I used mine for a PlayStation 5 beca... See more
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.
Ocean Finance
Written by the company
Contact info
Orange Tower, MediaCityUK, M50 2HF, Salford, United Kingdom
- 0161 672 7575
- contactus@ocean.co.uk
- oceanfinance.co.uk
4.6
Excellent
3K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Easy to apply
Easy to apply, great app and website and good customer service
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
Very helpful and gave goodcadvice
April 25, 2026
Unprompted review
Reply from Ocean Finance
Thank you for your kind words.
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for your kind words.
The Ocean Customer Contact Team
Tried making my first payment twice…
Tried making my first payment twice after activating my card. The transaction was declined twice on the basis that the vendor does not deal with your company. I tried transferring the funds to my bank account so I can pay with my debit card, but your company was charging 3% + 35% interest, + taking a few days to do it.
It was easier to get another card online and pay from it.
You should publish a list of those companies you dont deal with and your card cannot be used with them
May 25, 2026
Unprompted review
Reply from Ocean Finance
Hello, thank you for your review.
I am sorry to hear that you have experienced issues using your Ocean Credit Card. To query this, please contact Capital One.
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
I like the fact they tell you every…
I like the fact they tell you every time you use the card what you spent and got left and when I rang up asking about my pin number she was good and helped me find it on the app
May 20, 2026
Unprompted review
Reply from Ocean Finance
Thanks for the review. If you have any feedback or suggestions to make it a 5-star experience, please write to us at contactus@ocean.co.uk. We would love to hear from you!
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Easy to use and great if you want to…
Easy to use and great if you want to build your credit rating up
May 22, 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
A first class service
A first class service, easy to use app, would recommend them, very professional staff.
May 22, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
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 reliable and trusted
May 19, 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
I still havent received my pin number
May 19, 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
Great app easy to use love the updates
Great app easy to use love the updates
May 19, 2026
Unprompted review
Reply from Ocean Finance
Thank you for your kind words.
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for your kind words.
The Ocean Customer Contact Team
I was happy to recieve a card with £400…
I was happy to recieve a card with £400 on it and i would like a little more like£700 if possable.
May 19, 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
Very good expirence easy to to do
Very good expirence easy to to do. Thank you
May 19, 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
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
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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