Ikano Bank UK Reviews 

1,178
TrustScore 2 out of 5

2.2

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Review summary

Created with AI, based on recent reviews

Looking at 34 reviews, most reviewers were unhappy with their experience overall. Customers frequently encounter significant problems with payment processes, including difficulties managing accounts, unexpected late payment fees, and confusing rules for installment plans. Many people also report extremely poor customer service, describing it as unhelpful, unresponsive, and difficult to contact, especially when trying to resolve complaints or speak to a real person. The overall user experience is often described as frustrating, with issues ranging from unreliable online systems and apps to misleading information about credit card terms. However, some customers also noted positive interactions with customer service, highlighting excellent assistance and compassionate support from specific agents.

What people talk about most

Payment

Clients share negative opinions on payment, with many reviewers expressing disappointment with the financing... See more

Customer service

Consumers find customer service to be negative, with many reviewers describing it as appalling, useless, and... See more

Customer communications

Customers had negative experiences with contact, frequently reporting difficulties reaching support and... See more

Service

Users describe negative interactions with service, with many expressing frustration and disappointment.... See more

User experience

People report ambiguous experiences with user experience, with many finding it frustrating and not... See more

Reviews shaping this summary

Rated 2 out of 5 stars

Why can they not be like any other credit card supplier?? The app is completely useless (was told i was using a new device but it's been on my phone for months!) you get emailled a statement so the cu... See more

Rated 3 out of 5 stars

Needed credit at the time in IKEA. Which was easy to apply for. But to pay off early you have to still pay of monthly. Which I thought is ileagal in the UK. If you try pay it off they just send the p... See more

Rated 1 out of 5 stars

Would give them a zero if i could! Not responding to my complaints, just waiting to take it to the ombudsman. Informed them that my husband has died and they keep phoning and texting for him (my phone... See more

Company replied

Rated 1 out of 5 stars

Shit company.They never give you answer. Password method shit.System all the time gives failure.Applied couple times the credit card and loan.After application they in 15 minutes give answer. Same... See more


Company details

  1. Bank
  2. Car Finance and Loan Company
  3. Savings Bank

Written by the company

Welcome to Ikano. We're a bank that puts our customers at the heart of everything we do, so treating you fairly comes naturally.


Contact info

2.2

Poor

TrustScore 2 out of 5

1K reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 60% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

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2.2

All reviews

(1,178)

34 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Brilliant bank to deal with

Brilliant bank which has helped me no end over the years couldn’t of done a lot of things without them they let you k ow whenever a payment is due I’ve never ever had a problem with them

8 August 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Thank you so much for sharing this review with us. We pride ourselves on providing excellent customer service, so it is wonderful to read we've been able to help you. Thanks again for taking the time to leave us a review.

Rated 1 out of 5 stars

There internet system is the worst I…

There internet system is the worst I have ever had to deal with, no customer support. I would never recommend or use this bank for any finance in the future

3 August 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good morning,
Thanks for your review and for bringing this to our attention, we’re sorry to hear about the experience you’ve had. We appreciate you don't wish to provide any further information to us. However, we would like to understand more about the difficulties you've had. Please go to ikano.co.uk/complaints to fill out a complaint form and we can look into this for you.

Rated 2 out of 5 stars

Easy to setup

Easy to setup - Non existent customer service after the fact.
We set up an account in our correct house number which 15. A welcome letter was then sent to 15 and we received our IKEA delivery to number 15. Randomly when logging on to my online account it shows that the house number has been changed to 13. There's no way to change it so emailed customer services who asked me to provide details which I did. The next advisor then emailed me back telling me how to view my account online!? I've tried to raise a complaint on their website on two separate devices yet each time you click on the submit button it doesn't go anywhere so not the easiest to deal with.

24 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good morning,
Thank you for taking the time to leave us a review. I’m sorry to hear about the experience you’ve had and any inconvenience this may have caused you. I've passed your details over to our Complaints Team and someone will be in touch with you for more information.

Rated 5 out of 5 stars

It was a stress free simple process…

It was a stress free simple process throughout the payment process which I did via direct debit. Everything went to plan from start to finish. The Banks communication was very good. I also received regular updates of my payments/balance of our loan throughout the loan period. I would definitely use Ikano Bank again and recommend to Family & Friends

20 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Thank you so much for taking the time to leave such lovely feedback for us. We pride ourselves on providing excellent customer service, so it's wonderful to read you found the process easy and would recommend us. We look forward to you using us again in the future.

Rated 5 out of 5 stars

Ikto bank loan

Akito bank has made my loan easy always keeps me up to date perfect

19 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon,
Thank you so much for taking the time to leave this review. It's great to hear how happy you are with our service.

Rated 1 out of 5 stars

Discriminate against digital poverty

I have a series of missed/late payments due to the bank being ‘self service’ - I could speak to customer services but they would not update my direct debit date to coincide with my monthly wage as it is a ‘self service only’ bank?? I could not change the date myself as I had an older iPhone that wasn’t compatible with their app. Their only suggestion was to use someone else’s computer or phone which I eventually did. I filed a complaint and have heard nothing from them.

Ikano contacted me after this review but when I call back the lines are closed in the middle of the afternoon on a week day. I have replied to emails asking to confirm my details.. nothing further. I’ll keep trying to call back. What a frustrating system.

1 January 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon,
Thank you for taking the time to leave us a review. I’m sorry to hear about the experience you’ve had and any inconvenience this may have caused you. I've passed your details over to our Complaints Team and someone will be in touch with you shortly for more information.

Rated 5 out of 5 stars

Ikano bank is very efficient

Ikano bank is very efficient, understanding and easy to reach.

14 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good morning,
Thank you for leaving such a nice review. We really appreciate being given feedback about our service.

Rated 5 out of 5 stars

VERY SECURE AND SAFE.

VERY SECURE AND SAFE.
Used it for 10 years,never had a problem of any kind

13 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon,
Thank you so much for taking the time to leave us such positive feedback. It's lovely to hear how pleased you are with the service you’ve had from us.

Rated 5 out of 5 stars

Happy

I’ve had no problems, a great service

11 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon,
Thank you so much for taking the time to leave us such great feedback. It's lovely to hear how pleased you are with the service you’ve had from us.

Rated 1 out of 5 stars

no customer service

Purchased a kitchen from ikea with zero finance from Ikano bank. Very bad customer service from ikea and now its three months with no reply After complaining to the Bank The list is so long on the bad fitting from ikea and Ikano just dont give a dam

6 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon,
I have passed your details over to our Complaints and Claims Team and someone will be in touch with you shortly. Thanks for taking the time to leave a review and I'm sorry for any inconvenience this has caused you.

Rated 1 out of 5 stars

Horrid company

This is a horrible, ignorant, dodgy company. Untrustworthy and unprofessional.
I contacted them via email asking them to stop calling me due to health reasons, and asked them to communicate via email. They carried on calling, which is a breach of GDPR.
They've continually added on charges whilst knowing full well I was experiencing financial difficulty. They also edited MY letter that I sent to them, and then proceeded to ignore me altogether, whilst STILL adding on insane penalty charges.
Why do companies like this not realise that they're more likely to actually get their money if they stop adding on insane, unreasonable charges?
I hate them.

11 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon,
Thanks for your review and for bringing this to our attention, we’re sorry to hear about the experience you’ve had. We appreciate you don't wish to provide any further information to us. However, we would like to understand more about the difficulties you've had. Please go to ikano.co.uk/complaints to fill out a complaint form and we can look into this for you.

Rated 5 out of 5 stars

No problems encountered.

5 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good morning, thank you so much for taking the time to leave this review. It's great to hear how happy you are with our service.

Rated 5 out of 5 stars

They are so helpful and answer all my questions

They are so helpful and answer the phone with a lovely happy voice well every time I have rang up and when you suffer bad with mental health a happy voice at the other end of phone is nice highly recommended

30 June 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Thank you so much for sharing this review with us. We pride ourselves on how we treat our customers, so it is wonderful to hear you feel the same way when you call us. Thanks again for taking the time to leave us this review.

Rated 5 out of 5 stars

keeping me informed of my payments for…

keeping me informed of my payments for my suite with Ikano bank thank you

5 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon, thank you so much for taking the time to leave this review. It's great to hear how happy you are with our service.

Rated 5 out of 5 stars

Simple no fuss loans.

1 July 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good morning, thanks for taking the time to share this feedback with us. It's great to hear such lovely feedback for us. Thanks again.

Rated 5 out of 5 stars

Easy to access account information and…

Easy to access account information and regular updates provided re loan balance

28 June 2023
Unprompted review
Ikano Bank UK logo

Reply from Ikano Bank UK

Good afternoon Susan. Thank you so much for taking the time to leave such great feedback for us, it's lovely to hear how pleased you are with the service we have provided to you.

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