Ikano Bank UK Opiniões 

I would give them a 0 star if I could. This is absolutely a scam credit card company. Stay away from them unless you want to lose money.

Ikano Bank is as incompetent as Ikea. The website says the customer is at the heart of their business, however the reality is that emails go to an automated address and no one ever contacts you even if you have asked for a call. I have asked to speak to someone on 5th February and still waiting! If you want to complain you have to do it in writing via post as there is no email or phone number and it can take up to 8 weeks for them to investigate. Customers are treated appallingly. I have reported Ikano to the Ombudsman. If you try to complete the complaint form online the ‘Desired outcome’of your complaint will not transcribe. Another red flag of an organisation that doesn’t want deal with customer complaints.

Not clear. They advertise 0% but don't tell you it's only if you convert to installment plans then when you complain they defend it by saying its all in the pages upon pages of terms and conditions.
Would not use again and will cancel card.

Thank you for your patience whilst we’ve been investigating your complaint which we received on 09 March 2026. This is our final response, and we hope you’re satisfied with the decision we’ve reached.



After completing our investigation, we’ve not upheld your complaint.

Reason for our decision

You’ve said that you were not made aware that the credit card was interest-bearing.
Details of the interest on your credit card were included in the pre-contract information documents and in the Terms and Conditions of your agreement. These were available for you to read before you applied.

Before you signed your agreement, you were given the chance to read the information about the finance and ask any questions.

I was on day 13, they took weeks to respond to my complaint and they said this, no offer to move it to installments despite being only 3 days out of the conversion to installments:

"You signed the agreement to say that you understood and accepted it.

You’ve said that you thought you could set up an instalment-free plan once you had received the product.
Qualifying purchases can be converted to an interest-free instalment plan. IKEA purchases made within the last 10 days and between £99 and £2000 are eligible to be converted to instalment plans. You made a purchase of £572 on the 24 February 2026. This purchase was eligible to be converted to an interest-free instalment plan, so we sent you a message on 26 February 2026 to advise this. The message said that you have 10 days from the date of purchase to set up your instalment plan. Once the 10 days have past the purchase is no longer able to be converted.

We’re sorry if the information provided to you made you feel deceived, this was not our intent. All the information of how the credit card works was provided to you in pre-contract agreement for you to read before you completed the application."

As you can see no offer here at all to even attempt any customer service or fairly resolve an issue but happy to charge interest despite false advertisements of it being interest free.

Edit in response to Ikano's response:
They can clearly see that I've already submitted a complaint and yet are telling me to do it again. This shows how robotic their "customer service" is and unhelpful they really are. They asked for my complaint reference by trustpilot too and then asked me to submit a complaint....

Worse company ever, I have been defaulted for no reason because they don’t know how to communicate over the most littlest sum. Stay away from this company or you’ll repay with more than your life.

Since opening the account for an Ikea credit card it’s been a terrible experience. The latest episode is honestly the worst. So due to a tech glitch they didn’t collect the direct debit. Rather than proactively communicate that to customers they left us in limbo. Customer services were in the dark but put me through to payment support who informed me that they were aware of the problem and that I should make a manual payment, but they may try to collect the direct debit again. Because of my previous experience with them, I opted to wait and find out what they were planning and I’m pleased I did. Got a very standard message to say they would collect it again a few days later, problem resolved and they did take the full amount. My statement was later produced that showed interest payment (I pay in full every month). I phoned them up to query and was spoken to like a child like I didn’t understand how to use a credit card. Only after I raised it as a complaint it was looked at and lo and behold the advisor couldn’t work out why I had been charged interest either. I was told someone from finance would look at it and get back to me within the week. 3 weeks later and I’m still waiting for a response and I have called them every week to find out what is happening. They now know they’ve messed up AGAIN!! And looking to refund the interest due but it’s being worked through…all while my statement is about to be generated for another month with that interest still there. I’m honestly sick and tired of this sham of a company. Phoning them up, they don’t know what they are doing, dealing with the functionality of the tech and its shoddy at best. Want to pay them manually, then you can’t do that without needing to memorise account numbers and reference numbers because the payment through the app is not available. It’s from one bad experience to another with this joke of a company. If you’re in Ikea and you see them advertise the Ikea credit card…IGNORE IT!!! Go and get a 0% card off another bank who know what they are doing. For your sanity don’t engage with this company because you’ll regret it. God only knows why they were given a licence to operate in the UK for because they aren’t operating within the remit of it and at times completely avoiding its responsibility to the customer.

UPDATE 16 MARCH 2026
Ikano responded saying someone from the complaints team would be in touch. The response was in its shortest form, we still have 4 weeks to reply, we’ll let you know if it takes us longer than that. No one is dealing with this situation and to make matters worse, I’m still getting charged interest because of a problem that IKANO created. I just can’t put into words how much you should keep away from this company!!

Going to close account as quickly as possible. Awful customer service.

They had an issue, but knowing this didnt bother telling customers. This involved them not taking the DD and the app sending a demand for payment. After calling my bank it was confirmed they hadnt even requested the DD payment. All of this would have been fine if they had immediately sent an email to customers explaining. I called customer service and they were useless. Couldn't tell me anything. After making the payment demanded I didnt want to be charged twice. They couldn't confirm anything just said they had only known about it for a couple of hours (so definitely long enough to email customers) . I sent in a complaint as I couldn't see any other way to get help. No reply still and they have taken two payments. No apology or confirmation of how this could be resolved. Awful awful company.

It used to be an easy experience to use Ikano but now with this credit card, it is a nightmare. I would strongly advise staying away from this scam. Very disappointing.

The app for the ikea family credit card is useless!
I have changed my telephone number so I can't log in but there's absolutely no way to speak to anyone!
There's a credit on this account from a task rabbit cancellation which I was already cross about and I can't get it, I've waited months!
I just want my money back!!

Had a problem they offered excellent assistance

SImilar experience to others who have reviewed. Have been paying by direct debit for years, but no sign of a statement. I stopped my DD because I wanted to see my transactions/statement and be in control of the payments. They cannot provide a statement or access to my online account. And they keep sending letters to say that I've been charged a late payment fee, despite the fact that I've been paying 4 or 5 times the minimum payment each month. Why is it so difficult to send a statement and why am I not permitted to access my account? I lodged a complaint which apparently takes at least 8 weeks to investigate. Why??? Also, all the links they send in their letters for help functions go to 'service unavailable'. Seems there may be some scam operating here?!! Next step - Ombudsman. Please note: I have provided Ikano with the details of the complaint, so that they know this is a genuine review. I wonder if they will do anything?!!
Update: see their reply - NSS! I already said I’d lodged a complaint. The idea is to find a solution!!!🙄

I had a store card with Newlook which no longer exists the card had a small credit limit on it. I had not used this card for many years but have been paying Ikano monies every month through a direct debit. I requested a statement from Ikano so to find out how much was owing and gave them 7 days to respond and if they did not I would stop the direct debit which I did. Mean while still no statement but letters saying they were charging me a fee of £12 for late payment. Also they have contacted my partner who is not the account holder for payment reminders? They can send me these letters about non payment but not a statement ? What have they to hide

I found the staff very helpful when I spoke to them, sent me e-mails every month keeping me updated with information on my account.

Trap to get you pay interset on your purchases. It is nothing like a bank credit card with clear advantages of e.g. interest free purchases for so many months. There are no clear terms and conditions prior to application presented to customers. It doesn't explain that you can only have only one installment plan at a time and also that a purchase has to be over £300 to have it spread out across 10 months and not just 3. I wish I haven't applied.
I put a complaint in which hasn't been dealt with. Customer services don't know the product very well using the excuse that it is a new product - the whole experience is very strange.
Now, I have to come with the repayment money to pay off the outstanding balance before any interest is due as I didn't benefit from implied interest free intallment plan due to lack of information and lack of full disclosure.
I would never bother with this credit card if I knew how inferior it is compared to other credit card offers out there.

Just so convenient!

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 number was linked to the account) to bring his account up to date. Sick of the harassment, they are disgusting. Update as of the 24th September, still leaving messages (2 more) for my husband and have now received a letter addressed to him threatening a late fee. Still no communication from the ‘complaints team’. I’m going to take them to court - avoid at all costs!

Completed an application via their app to avail of 0% interest on Ikea purchases. All was promising until the final stage the app had an internal error and kicked me back saying try again later.

Thought I would try again and same thing happened again. After reading reviews this seems a common occurrence that the app is very glitchy erroring at different parts of the application process.

Unfortunately for me it was at this stage and a few minutes later received an email from Experian to confirm two hard credit searches despite there being no actual applications submitted or determined due to the internal errors or so I thought.

The following day I got an email to confirm that I was approved. The link didn't take me anywhere. Logging in also didn't show anything.

After contacting customer services they confirmed that after this stage I just had to attempt do another request under the same email and this should recognise the one in the system. It did and all worked fine from there.

Brilliant company!
Updates every month on my loan
Which is very reassuring
Thank you

I had a loan with this bank for my solar panels the company folded and this bank refused to help or take any responsibility for the fall out. I would never use them again.

***update 28.07
Ikano got in touch to apologise (at least), but it does not change my frustration and embarrassing moments that faced at store with my shops. But as it was resolved, I will amend the rate.

Horrible service. I attempted at store to buy a few items using my Ikano credit, and I was stopped at till because couldn't receive such text message. I am now trying to forward my shops online, and can't receive SMS to process the payment. It is a joke service.

Update to my previous reviews now even the company who provided the sofas (SCS) have admitted to manufacturing defects and admitted that they acknowledge and accept my furniture inspection report yet IKANO bank still refuse to acknowledge anything. They fail to acknowledge that under section 75 of the consumer credit act 1974 they are jointly liable for any breach or misrepresentation of contract made by the supplier of the goods I have purchased on finance. And now in writing SCS have admitted they acknowledge the furniture had manufacturing defects yet they still will not assist with a successful section 75 and even though they know the goods are indeed faulty, not fit for purpose and misold to myself still proceed to take payments from myself with today being the most recent.

I honestly fail to see how this company can provide financial services they write there own laws and regulations it seems I've asked for 2 weeks now to be contacted and have this rectified yet they ignore all requests or send a email with completely opposite information hiding behind the financial ombudsman who every time I have queried and spoken to have said it's not the case that they cannot contact me they can certainly speak to me in regards to my case just more lies and corruption again.

Once again I urge you to fulfil your obligations under the consumer credits act 1974 and fulfil your obligation also to me under the consumer rights act 2015 for the goods not being fit for purpose, being misold to myself, being of unsatisfactory quality and also a previous repair failing and same fault occurring in all additional seating.

You only last week told me my report was inconclusive yet the retailer accepted and admitted to these faults and faults being present within the first 30 days of ownership yet you told me I had no case or no claim showing corruption yet again.

Honestly I can never see this company doing the correct legal thing if you value your sanity and want a company to abide by the laws look elsewhere.

Account number: 5355350070315527

Complaint reference: COMP-4824822