Vanquis Bank

Vanquis was set up by Provident Financial in 2003 and received authorisation from the Financial Services Authority the following year. It offers credit cards.

Vanquis was initially conceived as a pilot scheme, specialising in credit cards for people with poor credit histories, or no credit history, and it received approval to expand in 2004. 

It remains under ownership of Provident Financial, one of the UK's largest home credit companies.

It is based in London.

Vanquis Bank
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Credit cards

Ranked 31st of 32 providers reviewed.

Customer happiness 44%
Customer trust 34%
Complaints performance 40%
Transparency rating 36%
Fairer Finance score
Reviewed Autumn 2019
39%

Credit cards

Credit builder credit cards

Vanquis Bank

Chrome Credit Card

3 stars
Representative APR i 29.50%
Representative cash transaction interest rate i 2.18%
Representative purchase rate i 2.18%
Risk based? i
Representative balance transfer rate i 2.18%
Initial minimum credit limit i £250

Vanquis Bank

Classic

2 stars
Representative APR i 39.90%
Representative cash transaction interest rate i 2.84%
Representative purchase rate i 2.84%
Risk based? i
Representative balance transfer rate i 2.84%
Initial minimum credit limit i £150

Foreign use credit cards

Vanquis Bank

Classic

1 stars
Representative APR i 39.90%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 2.99%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.84%

Vanquis Bank

Chrome Credit Card

1 stars
Representative APR i 29.50%
Foreign purchase fee i 2.99%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 2.18%

Money transfer credit cards

Vanquis Bank

Chrome Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Representative APR i 29.50%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction interest rate i 2.18%