I don't usually have positive feedback for banks and credit cards bit on this occasion I must confess that I'm extremely happy!!! Great customer service, support in all areas and very good advice how... See more
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The instant response and acceptance of the loan approval, it made me feel so good. It felt so easy and hustle free and that is a good thing to write home about. I will hundred times again and again... See more
A great cedit card company which values your business and rewards you with credit limit increase once you keep your account in good standing. I am having a good time with them.
I'm off work due to a Heart Bypass surgery and finances are tight. So to keep me afloat went to 118 loans. Pretty easy application form and after a few checks was granted the loan. Pretty decent APR a... See more
Company details
Written by the company
From Loans to Credit Cards, We’ve Got Your Money! Life is sometimes messy, unpredictable and surprising — that’s where we come in. We provide personalised financial solutions so that you can handle whatever lands in your path, to get back out there and get on.
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4.8
Excellent
62K reviews
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Totally pointless
Got the card to transfer an interest free balance for 6 months, but as there is no functionality within the app, to do this you have to call in. However you end up speaking with an overseas call centre where the line is so bad & the accents so strong that neither of us understood what the other wanted/ was saying & I had zero confidence that any transfer being credited to my 118 card would actually be debited correctly from my other cards, & so not worth the risk to proceed.
August 28, 2026
Unprompted review
Reply from 118 118 MONEY
Hi,
We're sorry to hear that you were unable to complete your balance transfer and that your experience contacting us did not meet your expectations.
If you'd like to discuss this further or need assistance with your account, There are alternative ways you can contact us, this can be done via the chat feature in the mobile app or by emailing customerservice@118118money.com, and a member of our team will be happy to help.
Thank you for taking the time to share your feedback. We value all customer comments and use them to help improve the service we provide.
Kind regards,
RE.
Absolutely appalling treatment of a customer who was actively trying to manage their debt
I am absolutely disgusted with how 118 118 Money has handled my account.
I took out more credit than I should have due to impulsivity associated with my ADHD. I made 118 118 Money aware of my circumstances and, rather than ignoring the debt, I entered into a payment arrangement with them to get the account under control.
During that arrangement, they issued a default notice. Despite being in financial difficulty, I found the money to pay what they required because I was determined to keep the account on track. I then continued with the payment arrangement as agreed.
There was subsequently an issue where both my normal monthly payment and a payment-plan payment were taken. To be fair, 118 118 Money did rectify this and correct the duplicate payment. I have no issue with that particular matter.
The payment arrangement subsequently ended and I returned to my normal contractual monthly payments, which I continued making without missing a payment.
Then comes the latest issue.
118 118 Money claim they sent me another notice by post at the beginning of July, giving me until 31 July to make a payment. I have never received this letter. As of 18 August, it had still not arrived.
The address they have on file is my parents’ address, which I regularly visit. They only receive post around twice a week and have confirmed that this letter has not arrived.
Despite this, 118 118 Money proceeded to terminate my agreement and register a default.
The first communication I actually received was the termination email. As soon as I received it, I called them and offered to make the payment that same day — exactly as I had done previously when I was actually made aware of a default notice.
I was told they could do nothing.
So despite engaging with the lender, entering into and completing a payment arrangement, returning to my normal contractual payments and not missing those payments, I have now been given a default because of a letter I genuinely never received.
The consequences of this are potentially enormous. A default can remain on a credit file for six years, and I had literally just reached the point where my previous default had dropped off.
I have made 118 118 Money fully aware of my circumstances and the difficulties I have experienced. Instead of feeling like they have helped me manage my financial situation, I feel that their handling of this has made my situation considerably worse and caused significant distress.
I find the way they have handled this particularly unacceptable given that they were aware of my ADHD and the difficulties I had experienced with impulsive borrowing. I wasn’t refusing to pay. I wasn’t ignoring them. I was actively trying to manage the debt and had been making the payments I had agreed to make.
The moment I actually became aware there was a problem, I offered to pay.
They still defaulted me.
I have now made a formal complaint and will be taking this as far as I possibly can, including escalating the matter externally if necessary. I am asking 118 118 Money to explain how they believe this has been handled fairly and what they can do to put it right.
I would strongly urge anyone experiencing financial difficulties or vulnerability to think very carefully before dealing with this company. My experience has been extremely distressing and I feel completely let down by how they have treated me.
August 28, 2026
Unprompted review
Reply from 118 118 MONEY
Hi James,
Thank you for taking the time to share your experience.
We're very sorry to read your comments and are concerned by the issues you've raised, particularly regarding the communication you received and your experience while managing your account.
We take feedback relating to customers experiencing financial difficulties or vulnerabilities very seriously. We'd like to fully understand what has happened in this case, so we have requested some additional information from you to enable us to carry out a thorough review of your concerns.
Once we receive the requested details, we'll investigate the matter carefully, including the communications sent to you and the handling of your account, and provide you with a response.
Thank you for bringing this to our attention. We appreciate the opportunity to look into this further and hope to hear from you soon.
Kind regards, RE.
Very easy to deal with no problems a…
Very easy to deal with no problems a very quick very happy
August 28, 2026
Services and verification was topnotch
August 28, 2026
I was offered a balance tranfer then…
I was offered a balance tranfer then told on chat to call up then they would do it on phone. Then to be told on phone they cant do it ither.
August 20, 2026
Reply from 118 118 MONEY
Hi Richard,
Thank you for taking the time to leave a review.
We're sorry to hear about your experience and appreciate how frustrating it must have been to receive conflicting information regarding your balance transfer request.
While we do offer balance transfers, there are some credit card providers that we are unable to transfer balances from due to operational restrictions. Unfortunately, this means that not all balance transfer requests can be completed.
We're sorry if this wasn't explained clearly during your initial contact with us. We value your feedback and will use it to help improve the information we provide to customers.
If you would like us to review your experience further, please get in touch by calling 02920 548 118 or chatting with us through the live chat option of the mobile app, and we'll be happy to look into it.
Kind regards, RE.
Very easy and straightforward and money…
Very easy and straightforward and money in account same day 😁
August 20, 2026
Very helpful
January 25, 2026
Service was excellent quick and…
Service was excellent quick and professional happy about the service that was given
August 26, 2026
Very bad and worst company i was having…
Very bad and worst company i was having an issue which i raised to them but wt they done they block my card wthout any providing me information and after one month they closed my account.
June 25, 2026
Reply from 118 118 MONEY
Hi Tanveer,
We are sorry to hear about the difficulties you experienced with your card and account closure.
Please contact us directly on 02920 548 118 or through the live chat feature of the mobile app, so we can look into this further.
Kind regards, RE.
Quick and easy
August 27, 2026
Booked a flight within my credit limit…
Booked a flight within my credit limit and they blocked my card. I understand security is needed but trying to get it unblocked and working again is a lot of hassle. 6 phones calls 3 chats and still no where even after confirming I made the transaction and nothing is wrong with it.
August 26, 2026
Unprompted review
Reply from 118 118 MONEY
Hi,
Thank you for your feedback. We're sorry to hear about the difficulties you've experienced while trying to get your card working again.
We understand how frustrating it can be when a transaction is blocked, particularly after you've already confirmed that the payment was genuine. We would like to look into this further for you and have requested some additional information so that we can carry out a full review of what has happened.
Once we receive the requested details, we'll investigate the issue and work to understand why the block remained in place despite the verification steps you completed.
Kind regards, RE.
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