Banquish
Vanquis Bank offers a range of financial products including credit cards, savings accounts, loans, and vehicle finance. The bank serves over 1.7 million customers and provides a mobile app for account management.
Key facts
What is Banquish?
We care for over 1.7 million customers and help you take control of your finances.
Who is Banquish best for?
UK residents aged 18 and over, individuals looking to build credit, save money, or borrow responsibly
What are its main limitations?
- Representative APR 42.9% (variable) on credit cards – relatively high
- Credit subject to status, affordability, and credit checks
Limitations are based on product materials or editorial synthesis; confirm on the official site.
Key features
- ✓Credit Builder Credit Card to improve credit score
- ✓Balance Transfer Credit Card with 0% for up to 19 months
- ✓Savings accounts earning up to 4.65% AER
- ✓Loans for bad credit, no credit history, home improvement, and debt consolidation
- ✓Vehicle finance for cars, vans, and motorbikes
- ✓Snoop money-saving app for budgeting and bill-cutting
- ✓Check balance, make payments, and manage account via app
Use cases
- →Building credit history with a Credit Builder card
- →Saving money with easy access or fixed rate accounts
- →Consolidating debt with a Second charge mortgage or loan
- →Borrowing to buy a car, van, or motorbike
- →Avoiding foreign transaction fees on credit card spend abroad (July 2026 promotion)
Pricing
Credit Card APR
42.9% APR (variable)
- · Representative APR for credit cards
Savings AER
4.65% AER
- · Interest rate on some savings accounts
Credit card has representative 42.9% APR (variable); savings earn up to 4.65% AER; loan rates not specified.
Pros
- +Serves over 1.7 million customers
- +Credit check with no impact on credit score using eligibility tool
- +Savings protected by FSCS up to £120,000
- +Trustpilot reputation
Cons
- −Representative APR 42.9% (variable) on credit cards – relatively high
- −Credit subject to status, affordability, and credit checks
Positioning
- Core value: We care for over 1.7 million customers and help you take control of your finances.
- Ideal for: UK residents aged 18 and over, individuals looking to build credit, save money, or borrow responsibly
- Product type: Web platform and mobile app (Vanquis app)
Frequently asked questions
What is Vanquis Bank?
Vanquis Bank is a UK-based financial institution offering credit cards, savings accounts, loans, vehicle finance, and a money-saving app (Snoop).
How many customers does Vanquis serve?
Vanquis serves over 1.7 million customers.
What is the APR on Vanquis credit cards?
The representative APR is 42.9% (variable) for credit cards.
What interest rates are available on savings accounts?
Savings accounts earn up to 4.65% AER.
Is my money protected?
Savings are protected by the Financial Services Compensation Scheme up to £120,000.
Who can apply?
Credit is available to UK residents aged 18 and over, subject to status, affordability, and credit checks.
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