Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
Vanquis Bank Limited, Fairburn House, 5 Godwin Street, Bradford, BD1 2AH, England
In the full report: 3 background checks
When vanquis.com first appeared online, and whether it can receive email
What kind of line 0330 099 3000 is
Who else gives the postcode BD1 2AH
Other names(72)
If you were contacted under any of these names, it is this firm.
Chrome Trading name: A name it trades under now.
Gold Trading name: A name it trades under now.
Vanquis Trading name: A name it trades under now.
Vanquis Bank Loans Trading name: A name it trades under now.
Vanquis Bank Savings Trading name: A name it trades under now.
Vanquis Card Trading name: A name it trades under now.
Vanquis Credit Card Trading name: A name it trades under now.
Vanquis Loans Trading name: A name it trades under now.
Vanquis Savings Trading name: A name it trades under now.
Aquis Bank Limited Former name: A name it was registered under before.
Expert Information Systems Ltd Former name: A name it was registered under before.
Alloy Former trading name: A name it used to trade under.
Alpha Card Former trading name: A name it used to trade under.
Aquis Former trading name: A name it used to trade under.
Aquis Bank Former trading name: A name it used to trade under.
Aquis Card Former trading name: A name it used to trade under.
Aquis Classic Former trading name: A name it used to trade under.
Aquis Deposits Former trading name: A name it used to trade under.
Aquis Gold Former trading name: A name it used to trade under.
Aquis Loans Former trading name: A name it used to trade under.
Aquis Platinum Former trading name: A name it used to trade under.
Aquis Repayment Option Plan Former trading name: A name it used to trade under.
Aquis Savings Former trading name: A name it used to trade under.
Argos Former trading name: A name it used to trade under.
Argos Credit Card Former trading name: A name it used to trade under.
Autograph Former trading name: A name it used to trade under.
Avant Former trading name: A name it used to trade under.
Avant Programme Former trading name: A name it used to trade under.
Aventura Former trading name: A name it used to trade under.
Black Diamond Former trading name: A name it used to trade under.
Blue Former trading name: A name it used to trade under.
Cashmax Former trading name: A name it used to trade under.
Chromatic Former trading name: A name it used to trade under.
Chrome Card Former trading name: A name it used to trade under.
Credit Tracker Former trading name: A name it used to trade under.
Emporio Former trading name: A name it used to trade under.
Freemans Former trading name: A name it used to trade under.
Fresh Start Former trading name: A name it used to trade under.
Fuse Former trading name: A name it used to trade under.
Granite Former trading name: A name it used to trade under.
Grattan Former trading name: A name it used to trade under.
High Yield Account Former trading name: A name it used to trade under.
Identity Secure Former trading name: A name it used to trade under.
ID Secure Former trading name: A name it used to trade under.
Igloo Former trading name: A name it used to trade under.
Impact Collection Services Former trading name: A name it used to trade under.
Kaleidoscope Former trading name: A name it used to trade under.
Neo Former trading name: A name it used to trade under.
One Minute Response Former trading name: A name it used to trade under.
Oneminuteresponse.co.uk Former trading name: A name it used to trade under.
Origin Former trading name: A name it used to trade under.
Original by Vanquis Former trading name: A name it used to trade under.
Real Personal Finance Former trading name: A name it used to trade under.
Real Personal Finance Loans Former trading name: A name it used to trade under.
Remeber to Save Former trading name: A name it used to trade under.
Satsuma Former trading name: A name it used to trade under.
Storehouse Former trading name: A name it used to trade under.
Sunflower Loans Former trading name: A name it used to trade under.
Value Saver Former trading name: A name it used to trade under.
Vanquis Bank High Yield Former trading name: A name it used to trade under.
Vanquis Classic Former trading name: A name it used to trade under.
Vanquis Deposits Former trading name: A name it used to trade under.
Vanquis Gold Former trading name: A name it used to trade under.
Vanquis Insurance Former trading name: A name it used to trade under.
Vanquis Insurance Services Former trading name: A name it used to trade under.
Vanquis Platinum Former trading name: A name it used to trade under.
Vanquis Progress Card Former trading name: A name it used to trade under.
Vanquis Repayment Option Plan Former trading name: A name it used to trade under.
Vanquis Up & Up Former trading name: A name it used to trade under.
Vanquis Visa Shopping Card Former trading name: A name it used to trade under.
Volt Former trading name: A name it used to trade under.
XYLO Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact
information to appear genuine. Check whatever you were given below, and
against the firm's real details above.
Scammers change these details often. Always check the live FCA warning.
FCA permissions and consumer protection
Hold or safeguard your money · Handle payments & transfers FSCS may apply
Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
Lend or arrange credit No FSCS cover
Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
ComplaintsOmbudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
Accepting Deposits
Credit Broking
Debt Administration
Debt-collecting
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Issuing Electronic Money
FCA disciplinary action and Ombudsman complaints
FCA action
fine
1
in fines
£198k
most recent
February 2018
Fined £197,600 on 27 February 2018
The FCA imposed a fine of £1,976,00 on Vanquis Bank Limited (Vanquis). The reason for this action is because it breached Principle 6 (Customers' interests) and Principle 7 (Communications with clients) for failing to disclose the full price of an add-on product called Repayment Option Plan (ROP) between 1 April 2014 and 19 April 2016. The FCA has further ordered Vanqus to pay back interest customers were charged on its ROP from 1 April 2104 to when customers were informed of the full cost of the ROP. Vanquis has voluntarily agreed to pay back interest customers were charged on the ROP from June 2003 to 31 March 2014., The FCA's action took effect on 27 February 2018 and a copy of the Final Notice is displayed on the FCA's web site.
Ombudsman complaints
new complaints, January–June 2025
5,859
upheld, against a 31% median
28%
about banking and credit
5,859
A bigger firm gets more complaints simply because it has more customers.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
122
closed down
27
went insolvent
8
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 122 companies, named
What each company does, and whether it is still trading
Which of these 8 directors sit on each board, and since when
The 8 that went into liquidation or administration
The 19 on the FCA register, including 2 no longer authorised
The 10 companies these 8 directors run together
All 51 people who have ever been directors, with their dates
Key dates in its history
Vanquis Bank’s history from the FCA register and Companies House, newest first.
FCA warned the public about a scam impersonating this firm
FCA warning list
25 February 2021
Provident Financial PLC gave up control
Vbg Holdings Limited took control (75–100% of shares)
Companies House
2018
27 February 2018
Fined £197,600 by the FCA
FCA register
2016
6 April 2016
Provident Financial PLC took control (75–100% of shares)
Companies House
2013
1 April 2013
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA register
2003
26 February 2003
Regulated by the Financial Services Authority from this date
Became authorised by the FCA
FCA register
3 January 2003
Changed its registered name from "Aquis Bank Limited"
FCA register
2002
11 November 2002
Changed its registered name from "Expert Information Systems Ltd"
FCA register
20 September 2002
Board replaced: both directors left and 7 new directors took over
Companies House
2001
30 March 2001
Board replaced: both directors left and 2 new directors took over
Companies House
1990
15 November 1990
Incorporated at Companies House
Companies House
In the full report: all 247 events
All 247 events in its history (14 shown here)
Every director appointment and resignation: 92
Firms connected to Vanquis Bank
Other FCA-listed firms that share a director, phone number or address with Vanquis Bank. A link shows who the firm is tied to, not whether either can be trusted.
connected firms
4
share a director
4
share its postcode
1
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: all 4 connected firms, named
How each is linked: shared directors (4), the same postcode (1)
Who links each one: the named directors, with dates
6 past links through former directors
Firms like Vanquis Bank
Other firms of the same type (bank or building society), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Vanquis Bank
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
122 other companies its directors have run, named
3 background checks on its contact details
All 247 events in its history
4 connected firms, named, and who links them
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FirmSearch Report
Vanquis Bank Limited
Reference 221156 29 October 2026
Frequently asked questions about this firm
Is Vanquis Bank Limited FCA authorised?
Yes, Vanquis Bank Limited (FRN 221156) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2003 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is Vanquis Bank’s phone number and website?
The FCA register lists the phone number 0330 099 3000 and the website vanquis.com for Vanquis Bank. If you were given different contact details, use these to check with the firm before going any further.
Is Vanquis Bank a scam or clone?
Scammers have impersonated Vanquis Bank: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Vanquis Bank, shown on this page.
Is my money safe with Vanquis Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Vanquis Bank to the Financial Ombudsman Service, free of charge.
Who owns Vanquis Bank?
Vanquis Bank is owned by Vbg Holdings Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 25 February 2021. Before that, it was controlled by Provident Financial PLC.
Who runs Vanquis Bank?
Companies House lists 8 directors of Vanquis Bank: Graham John Lindsay, Michele Greene, Peter Kenneth Estlin (Sir), Ian Michael Brian McLaughlin, David Michael Watts, Oliver Walter Laird and 2 more.
How long has Vanquis Bank been in business?
The company was formed on 15 November 1990, and has held its current FCA authorisation since February 2003.
Has the FCA taken action against Vanquis Bank?
Yes. The FCA register records 1 fine in 2018, £197,600 in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Vanquis Bank get?
In January–June 2025, the Financial Ombudsman Service received 5,859 new complaints about Vanquis Bank, and upheld 28% of those it decided.
Does Vanquis Bank use any other names?
It trades as Chrome, Gold, Vanquis, Vanquis Bank Loans and Vanquis Bank Savings, and 4 more names. It has previously used 63 other names, including Aquis Bank Limited, Expert Information Systems Ltd and Alloy.