# Capital on Tap — user reviews > 237 indexed App Store user reviews of Capital on Tap by New Wave Capital Ltd, rated 4.90/5 from 4,921 ratings. - Source: https://appshunter.io/ios/app/capital-on-tap/id1398201114/reviews - App overview in markdown: https://appshunter.io/ios/app/capital-on-tap/id1398201114.md - Rating breakdown: 5★ 4,650 · 4★ 123 · 3★ 41 · 2★ 20 · 1★ 87 ## What do users think of Capital on Tap? Overall sentiment: positive **Pros** - 🚀 Reliable and efficient - 👍 User-friendly app - 💰 Generous credit limits - 💳 Excellent rewards program - 📈 Helps grow business - 🤝 Great customer service **Cons** - 🔍 Strict identity verification process - 💰 High interest rates - 🔒 Security concerns with ID uploads - 🤔 Confusing payment policies - 🐛 Buggy app with crashes **Commonly reported bugs** - Login issues and inability to verify identity - Inconsistent app performance and frequent crashes - Problems with payment processing and auto-pay **Most requested features** - Multi-account access for businesses - Dark mode option - Improved transaction history and reporting - Easier payment customization ## Newest reviews (16 of 237) ### 5/5 — Very helpful *2026-07-22, version 3.9.26* Greet customer service ### 5/5 — Great service *2026-07-18, version 3.9.26* Great service ### 5/5 — Best card *2026-07-18, version 3.9.26* Happy to got this card ### 5/5 — Great service *2026-07-17* I am using this card for business for last 4-5 years very good experience so far and they even increase my limit 1-2 a year depending on the usage i pay full amount each month so i can avoid paying interest so far all had been good ### 5/5 — Best business credit card ever *2026-07-17, version 3.9.26* I have been using Capital on Tap for last 5 years. I never had any issue with anything. App is very smooth. ### 5/5 — Very happy *2026-07-16, version 3.9.26* Jay Gerrick was very helpful ### 5/5 — Amazing service *2026-07-15, version 3.9.26* Very helpful for small businesses ### 5/5 — Top Quality *2026-07-15, version 3.9.26* a perfect partner for your daily business spending ### 5/5 — Smooth payment process *2026-07-13, version 3.9.25* The instant payment process that connects to bank accounts directly for payment is very simple and easy to operate. Thank you for making this possible. ### 5/5 — Wow *2026-07-04* I was amazed to have access to a large about of credit in an instant of setting up my account and I was able to use it without having to have a physical card from the mail. Super convenient! ### 3/5 — Please test your app *2026-07-04* Generally ok app, but recently I was present there was an error and no reason, guessing maybe there been no backwards compatibility testing of users already logged in, I delete the app as need to delete the app data and reinstall and logged in and now works which was clear something new changed in the auth — even if the app asked user to log back in as we need them too would have been a bit better ### 5/5 — Love COT *2026-07-03, version 3.9.24* The app is very user friendly, thanks ### 2/5 — Good card *2026-07-02* Update All together I’m happy with card. The app is garbage. I’m beyond frustrated with this company’s app. It kicked Me off weekly pay two times. It will not allow me to enter a debit card so I can pay my bill. These people need a better programmer to fix their app. They need to remember a bad name spreads like wildfire I lowered their stars to two stars because of this and if they fix it, I will give them a five star Please fix. ### 5/5 — Become One *2026-06-30, version 3.9.24* It’s time to delete money and become one come on world push the button search “Come One” for a global citizens assembly app designed by you ### 5/5 — Application *2026-06-27, version 3.9.24* Very customer friendly ### 5/5 — Syed *2026-06-25, version 3.9.24* Beautiful Service ## Most critical reviews (10 lowest-rated) ### 1/5 — App is fine - the company isn’t *2026-07-23, version 3.9.26* I was asked to provide proof of ownership for my company despite being 100% up to date at Companies House. I did supply my info albeit slowly due to real world, but my account was closed and no communication. Bizarre anti customer approach - look elsewhere ### 1/5 — Issue with new update *2026-07-18, version 3.9.26* Previous version where you can store repayment option now every time we need to enter all the details, the stored card details can’t be used without OTP to make the payments, what’s the point making it difficult ### 1/5 — Do not go anywhere near this company. *2026-07-07, version 3.9.25* Disgustingly high interest rates and shocking customer service, go to your bank and ask for something better, capital on tap prey on the people that are not prepared to shop around… don’t be that personcompany… you can do it.👍🏻 ### 1/5 — Terrible card *2026-06-25, version 3.9.24* I’ve had this car for over six years absolutely no good perks. They continuously go up on your APR and make it more and more every year despite you being a customer of theirs for years and continuously using your card. ### 1/5 — To slow crediting back the additional payments *2026-04-12, version 3.9.18* Slow processing the payments ### 1/5 — Horrible *2026-03-31, version 3.9.17* Interest rate is too high 😳 ### 1/5 — Close accounts for no reason *2026-03-17, version 3.9.14* Avoid them they are scammers ### 1/5 — Wait *2026-02-09, version 3.9.11* Don’t try to build business credit with them. The rate on this card should be illegal. I made a mistake getting involved with them and it’s cost me more than I care to say. ### 1/5 — G *2026-01-27, version 3.9.10* The app is constantly not working. Used to be such a good app ### 1/5 — They Charge Interest with no explanation *2026-01-21, version 3.9.9* My account was charged interest when I still had 15 days to pay it off. I don’t understand how this is legal. ## Most praised reviews (10 highest-rated) ### 5/5 — Perfect *2026-08-12, version 3.9.28* Perfect for fast finance at short notice! ### 5/5 — Amazing *2026-08-12, version 3.9.28* The point scoring on this account and how easy the app is to use is so great, you can’t loose track and it’s so easy to Access funds and know what you’ve spent and what is owed. I’d be lost without this service. ### 5/5 — Mr *2026-08-11, version 3.9.28* Easily accessible ### 5/5 — Mr r c *2026-08-08, version 3.9.28* Amazing ### 5/5 — Great Credit Card *2026-08-05, version 3.9.28* Used for my SME for the last 5 years, operating worldwide and it is excellent ### 5/5 — New customer *2026-08-04, version 3.9.28* Amazing customer email support even on Sunday night immediate response love how fast it is to get a business credit card ### 5/5 — Very easy to use *2026-08-04, version 3.9.28* The app is very easy to use. ### 5/5 — J Wrigglesworth *2026-08-02, version 3.9.27* Over this last few months we have dealt with two incredibly difficult clients. Capital One Tap have helped us get through this. A great service that all businesses should have. Thanks ### 5/5 — Easy fast good so far *2026-07-29, version 3.9.26* Seems so far easy to use and register to. Got a decent amount to spend if needed so helps with my cash flow. I like that you can give employees a card also and control there limits. So far so good I’m impressed 👍 ### 5/5 — Top service *2026-07-24* I’ve been using cap on tap a few years now, the level of speed when we require short term lending is phenomenal. We also use the card quite a lot to build up Avios points as we travel a lot for business. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*