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
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
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
4.5
Excellent
3K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 98% 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 and reply quick and…
Easy to apply and reply quick and efficient.
24 March 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
Impressed with the way you keep one in…
Impressed with the way you keep one in the loop to make sure one is up to date with balances and available credit
14 April 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
I found Ocean Finance to be the best…
I found Ocean Finance to be the best creditors around. There rates are simple and easy. Never pestering me for anything.
14 April 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
Easy application and a fast decision
Easy application and a fast decision. Easy to use and understand app to keep you on track.
1 April 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
First class treatment
First class treatment
No fuss
Professional Service
4 April 2026
Unprompted review
Reply from Ocean Finance
This is great to hear, thank you so much!
The Ocean Customer Contact Team
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
All seemed so quick and easy to apply
All seemed so quick and easy to apply
3 April 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
Easy to apply
Easy to apply, customer services are friendly and quick to respond and understanding
14 April 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
Good Service
7 April 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
The experience great is the customer…
The experience great is the customer service are helpful
14 April 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
This is great to hear, thank you so much!
The Ocean Customer Contact Team
Credit card with ocean /Capital one 🧐 07/05/2026
A friend has been scammed today by ocean credit card today 11/04/2026. She had £281.00 unused money. She used £8.00 and was left with £273.00. She paid £94.00 this April 2026 to add to it amounting to £367. 00. Just checking her application, she is billed to pay 106 in May 2026, and her remaining money to use is £231.00. Where is the £136.00 gone to?
07/04/2026 Good morning Capital one/ocean credit card and hope all is well.
I will leave April one? and dwell on May because, today 7th May was what I was waiting for. £231. 00 - £21 purchase =210 balance.
So £210.00 + May 4th 2026 direct debit £106.49.
The balance should have been £300.00 plus BUT as at this morning 7th May, 2026, the balance left is £244. 38.
Please, do you think is fair or somebody somewhere is stealing. This is not application error.
I hope you will use your offices to address this issue, because, the post office credit card is straight forward and fair.
Thanks very much.
Why did you write on the trustpilot review that, l should contact you?
Do you think l don't know what l am doing?
It's stealing and financial abuse and abuse of trust.
I will paste your response on trustpilot again.
11 April 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear about your recent experience.
We would be happy to look into this further, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and investigate this further.
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
Helpful girl.
The girl was very helpful and knolagable, just what I needed.
10 April 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
I requested for a card and I have not…
I requested for a card and I have not gotten it yet. It's a month ago
12 March 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear about your recent experience.
We would be happy to feed this back to the lender, Capital One, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and raise this with them?
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
Easy access
Easy to navigate the app and everything is very well explained
7 April 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
My thoughts
Great service easy to understand, good customer service service
7 April 2026
Unprompted review
Reply from Ocean Finance
Thank you for the positive review, we really appreciate it!
The Ocean Customer Contact Team
Helping out big time to get back on my…
Helping out big time to get back on my feet
7 April 2026
Unprompted review
Reply from Ocean Finance
This is great to hear, thank you so much!
The Ocean Customer Contact Team
I had to phone four times before I got…
I had to phone four times before I got a result because you taken my payment twice sleepless nights
7 April 2026
Unprompted review
Reply from Ocean Finance
Thank you for taking the time to share your review, although we're sorry to hear about your recent experience.
We would be happy to feed this back to the lender, Capital One, but would need some extra information from you first. Would you be able to send us an email at contactus@ocean.co.uk, so that we can locate the account and raise this with them?
Again, we apologise for your experience.
Sincerely,
The Ocean Customer Contact Team
Very easy to use
7 April 2026
Unprompted review
Reply from Ocean Finance
This is great to hear, thank you so much!
The Ocean Customer Contact Team
Easy to use
Easy to use, resolve any issues I may have. A good service. Thank you.
7 April 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
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