Everything you need to know about Capital on Tap, our cards, and services.
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Everything you need to know about Capital on Tap, our cards, and services.
You are eligible to apply for a Capital on Tap Business Credit Card if you and your business meet the following criteria:
You are an active director or a majority shareholder (25%+) of the company.
Your business is a private limited company (Ltd) or a limited liability partnership (LLP) registered in the UK.
Your business has an annual turnover of at least £24,000.
You and your business have no unsatisfied CCJs in the last 12 months.
If you meet these requirements, you can complete an application here.
To open a Capital on Tap Instant Savings account, you first need to meet our eligibility criteria, which are detailed on our savings eligibility blog.
Once you have confirmed you are eligible, the process for opening an account is different for new and existing customers:
For existing Capital on Tap customers: The most direct way to open an account is to log in to your online portal and navigate to the 'Savings' tab.
For new customers: You can apply directly on our Business Savings Account page.
No, Bill Pay transactions are not covered by the same consumer protections as standard credit card purchases. They are processed as a bank transfer using your credit line, not as a direct card payment.
This means:
You do not have the same dispute options, such as chargeback rights, if you are unhappy with the goods or services.
It is crucial to double-check all recipient and payment details before confirming a transaction, as authorised payments cannot be cancelled.
For a full breakdown of the terms, please see the Bill Pay agreement here.
Some payments may be protected under the Payment Systems Regulator's rules for Authorised Push Payment (APP) fraud.
This protection only applies if:
The payment was a Faster Payment sent to another bank account on or after 7 October 2024.
Your business is a micro-enterprise (employs fewer than 10 people and has a turnover/balance sheet not exceeding €2 million).
You make a claim within 13 months of the payment.
The maximum amount that can be reimbursed under these rules is £85,000. Card transactions are not covered by these rules but have their own protections.
Yes, there are daily limits for ATM withdrawals. The daily withdrawal limit is 2 transactions with a maximum combined value of £400.
Yes, in line with our business funding terms, some merchant categories are restricted. Your Capital on Tap Business Credit Card cannot be used for the following:
Gambling-related activities
Securities brokerage services
Political organisations
Fines
Wire transfers
Purchasing foreign currency
You can find more details in our Terms and Conditions.
Yes, while your Pro card membership provides unlimited access to participating airport lounges, usage is always subject to the specific lounge's rules. This includes their capacity, operating hours, and any restrictions they may enforce during peak times.
Yes, when you apply for a Capital on Tap Business Credit Card, we run searches on both your personal and business credit files.
Personal credit file: This is a soft search and is not visible to other lenders.
Redeeming points for cash into a bank account may have tax implications, depending on your business's specific circumstances.
Capital on Tap cannot provide tax advice. We recommend consulting with a qualified professional, such as your accountant or a tax advisor, to understand your specific tax obligations.
Yes, you can add your Capital on Tap Business Credit Card to a mobile wallet directly from our app.
Open the Capital on Tap app.
Navigate to the ‘Cards’ tab.
Select the card you wish to add.
Tap on ‘Add to Apple Wallet’ or ‘Add to Google Wallet’ and follow the on-screen instructions.
If you encounter an error, please contact our customer support team for assistance.
Yes, you can apply for as many accounts as you want, provided you are an active director or majority shareholder of another eligible limited company.
If you apply for a second account, you may see a message that says, “It looks like you already have an account with us.” This is expected and means your application has been sent to the correct team for review. We will update you within two business days.
No, at this time we cannot accept applications from charities, non-profit organisations, trusts, funds, or Royal Charters.
Yes, you can block ATM transactions for any card on your account through your online portal.
Log in and go to the 'Cards' page.
Select the specific card you want to manage.
Update the permissions under the 'ATM Withdrawals' setting.
Yes, as a Pro card holder your membership includes two complimentary guest passes each year. Any additional guests can be admitted for a fee of £20 each per visit, charged to your card.
No, once a Bill Pay payment has been authorised by you for immediate processing, it cannot be cancelled. Please ensure all payment details are correct before you confirm.
Yes, you can cancel an upcoming Direct Debit payment, but the process depends on the timing.
More than two business days before: Contact us and we can cancel the payment for you.
Yes, you can update your nominated bank account by logging into your Capital on Tap portal or by calling our customer service team on 020 8962 7401.
Please note that this nominated account is shared between your Capital on Tap Business Credit Card and your Instant Savings account, so any change will apply to both.
No, we do not currently offer the option to change your payment due date.
However, if you would like to repay more frequently, you can switch to weekly full balance repayments in your portal. With this option, a Direct Debit is scheduled every Monday for collection on Thursday. If you have concerns about an upcoming payment, please call us on 020 8962 7401.
Yes, you can connect multiple business bank accounts to your Capital on Tap account. Linking your main business accounts helps provide a more complete financial picture of your business.
To add another account:
Log in to your online account and navigate to the 'Your account' section.
Go to the 'Linked bank accounts' page.
Select ‘Add a new account’ and follow the instructions.
Yes, you can convert your Capital on Tap reward points to Avios. The conversion rate depends on your card type.
Pro customers: 10 points convert to 10 Avios.
Free tier customers: 10 points convert to 8 Avios.
You can manage your points and explore all redemption options, including Avios, gift cards, and cashback, on our ‘Rewards’ page.
Yes, you can earn reward points on eligible Bill Pay transactions.
Standard Rate: Earn 1% cashback in points when using the 2% flat fee option.
Pro Boost: Earn 1.25% cashback when you are a Pro customer and use Bill Pay with preloaded spend.
These points can be redeemed for cashback, gift cards, or converted to Avios.
Yes, if you are an eligible complainant and remain unsatisfied after receiving our Final Response Letter, you have the right to refer your complaint to the Financial Ombudsman Service (FOS) for free within six months from the date of our Final Response Letter.
You can find their contact details and more information on their website: www.financial-ombudsman.org.uk.
Yes, if your Pro metal card is lost or stolen, we provide one metal card replacement a year free of charge. Further metal card replacements may incur a fee, or you can opt to receive a standard plastic card at no cost.
Yes, you can have an unlimited number of employee cards on your account at no extra cost.
From the 'Cards' page in your portal, you can issue new cards and set individual spending limits for each cardholder, giving you full control over your business spending.
No, the metal card is an exclusive benefit for the main account holder only. You can only have one active metal card on an account at any time.
You can issue an unlimited number of standard plastic cards for your employees.
Yes, you can connect your Savings account directly to Xero, Sage, and FreeAgent. If you’re already linking your Business Credit Card to your accounting software, simply disconnect and reconnect your software via your online portal to add your Savings account.
New to integrations? You can connect your Credit and Savings accounts directly in just a few clicks by following this link.
No, Section 75 of the Consumer Credit Act 1974 does not apply to Capital on Tap business credit cards, as they are not regulated under this act.
However, you may still be able to raise a chargeback for the transaction under Visa's scheme rules. Please search our FAQs for 'Raising a dispute' to find the scenario that best matches your circumstances.
Yes, all Capital on Tap Business Credit Cards support contactless payments. The current limit is £100 per transaction.
For security, you'll be asked to use your PIN after making several contactless payments in a row, or once your cumulative contactless spending reaches £300.
No, we do not accept payments from a PayPal account. You can make a debit card repayment at any time via the 'Payments' page in your online portal.
Yes, you have full control over employee cards. Through your online portal, you can set spending limits per billing period or per single transaction for each cardholder.
Yes, you can upgrade to the Pro tier at any time. Simply log in to your portal and select the 'Manage Plan' option to get started.
Yes, you can transfer available funds from your Capital on Tap Business Credit Card to your nominated business bank account. This is also known as a drawdown.
Simply log in to your online account and follow the instructions on the main page to make a transfer. Funds typically arrive within minutes but can take up to two hours.
Important: Any funds transferred will incur interest daily until the amount is repaid in full.
Most benefits of your Radisson Rewards VIP status are available at all Radisson properties worldwide. However, some perks, like access to exclusive VIP areas, may only be available at select hotels.
Yes. The Capital on Tap Instant Savings account has a variable interest rate that tracks the Bank of England base rate. If the base rate changes, your interest rate will automatically be updated on the following day. We will always notify you of any changes.
This depends on when you joined Capital on Tap.
For customers who joined after May 2024: Yes, signing this agreement was a mandatory part of your application.
For customers who joined before May 2024: Signing is optional, but required if you want to use the Preloading feature.
Yes. To use our Bill Pay feature, you must read and agree to the Bill Pay Agreement, which contains terms specific to that service.
Yes, the Capital on Tap app is available on both iOS and Android.
Yes, we require a personal guarantee from a director or major shareholder of the company when you apply for a business credit card.
Bill Pay payments are processed as a BACS (Bankers' Automated Clearing Service) bank transfer using your credit line. They are not processed as standard credit card transactions.
Your monthly variable interest rate is made of two parts: our fixed business rate plus a variable portion that tracks the Bank of England Bank Rate.
Key points to know:
Your rate can only change at the start of a new billing period.
We use the Bank of England's Bank Rate published at the start of your billing period for the calculation.
We will never pass on a negative Bank Rate.
You can find the current Bank Rate on the Bank of England's website.
To protect your business from Authorised Push Payment (APP) fraud, stay vigilant for these common warning signs and follow our security tips.
Warning signs of a scam:
You are being pressured to act urgently.
An offer seems too good to be true.
You are asked to share personal banking information or a one-time passcode.
You receive an unexpected or unusual request claiming to be from Capital on Tap.
How to protect your account:
NEVER share your portal password or one-time passcodes with anyone, including Capital on Tap employees.
NEVER change your nominated bank account based on an email or phone call.
VERIFY a call from us by checking for a banner in your Capital on Tap app, which confirms you're on a genuine call.
If you are ever unsure, hang up and call the number on the back of your card.
The easiest way to update your business details is by logging in to your online portal and navigating to the 'Your account' section.
If you cannot make the required changes online, please call our support team on 020 8962 7401.
We automatically review your account on a regular basis to see if we can offer a higher credit limit or a lower interest rate. These reviews consider factors like timely repayments and affordability. We will always email you if we can improve your account terms.
To request a manual review, you have two simple options:
By phone: Call us on 020 8962 7401.
Online: Log in to your online portal, go to the ‘Your account’ section, and select ‘Credit limits and rates’.
Please be aware that a manual review may result in a higher limit, a lower limit, or a change in your interest rate.
If you receive a phone call claiming to be from Capital on Tap, check your app immediately.
A security banner will appear at the top of the app screen to confirm you are on a genuine call with us. If you do not see this banner, hang up and call the number on the back of your card.
To add funds using the Preloading feature, follow these two main steps.
1. Sign the E-Money Agreement (First time only)
Log in to your account and go to ‘Your Account’ > ‘Rates and Contracts’.
Read and sign the E-Money Facility Agreement.
2. Transfer Funds
Navigate to the ‘Payments’ tab and select ‘One-off payment details’.
Choose ‘Transfer to Capital on Tap’ to see your unique account details.
Add these details as a new payee in your business banking app and transfer funds, making sure to use the correct payment reference.
You can check your eligibility and apply in minutes using our simple online application. You only need to provide a few details about your business to get started.
Click here to apply. Most applicants receive a decision in under two minutes.
You can change your card PIN at any time through your online portal.
Log in and navigate to the 'Cards' page.
Select the relevant card and follow the instructions to change your PIN.
To activate the new PIN, you must then visit an ATM and complete a balance enquiry.
You can change your repayment option for the next billing period at any time in your online portal. Simply log in and go to the 'Payments' page.
Please note that changes will not apply to the billing period you are currently in. If you need to discuss a payment for your current statement, please call us on 020 8962 7401.
You can check your total outstanding balance and available credit at any time by logging in to your online portal. This information is displayed on the main page after you log in.
You can connect your account to Xero, FreeAgent, QuickBooks, and Sage.
Log in to your Capital on Tap portal.
Navigate to the 'Accounting' page.
Click 'Connect' under your chosen software and follow the prompts.
For immediate assistance, you can click the chat bubble on our website or call our 24/7 support team on 020 8962 7401.
Log in to your portal or app and go to the 'Rewards' section.
Select the Radisson Rewards option.
Enter the number of points you wish to convert and your Radisson Rewards account details.
To begin the process of closing your account, please call us on 020 8962 7401 or send an email to contact@capitalontap.com.
Any outstanding balance must be paid in full before we can finalise the closure. Please remember, there are no fees for keeping your Capital on Tap Business Credit Card account open if your balance is zero.
To close your Capital on Tap Instant Savings account, please call our support team on 020 8962 7401.
You can deposit funds via bank transfer from your nominated UK business bank account.
Log in to your Capital on Tap portal.
Go to the ‘Payments’ section.
Select ‘Account Details’ to view your unique savings account number and sort code.
Use these details to set up the payment from your nominated bank account.
To disconnect your account, we recommend logging in to your accounting software's portal (e.g., Xero, QuickBooks) and removing the Capital on Tap connection from their settings. You can reconnect it at any time through your Capital on Tap portal.
Log in to your Capital on Tap portal on a computer.
Navigate to the 'Accounting' page.
Click 'Export' under your chosen platform.
Select a date range and click 'Export' again to download your transaction data.
Your Radisson Rewards VIP status is an automatic, complimentary benefit of your Pro card membership. No separate qualification is needed.
To remove a linked bank account, navigate to the 'Linked bank accounts' page within the ‘Your account’ section of the portal. Select the institution you want to remove and you will see an option to unlink it.
Please note that this action will remove all accounts associated with that single bank connection.
We will email you at the end of each billing period with your statement, which includes your payment amount and the Direct Debit due date. You can also view this information in the 'Payments' section of your online portal.
Click the 'Login' button at the top right of our website and enter the email address and password associated with your account.
Log in to your Capital on Tap portal.
Navigate to the 'Savings' tab.
Select ‘Withdraw’, enter the amount, and confirm.
Funds will be sent directly to your nominated business bank account.
Log in to your account, go to the ‘Payments’ page, and select the option for ‘Weekly Repayments’. Once confirmed, we will schedule a Direct Debit to collect your full balance every week.
We're sorry to hear you're unhappy, and we want to make things right.
The fastest way to raise a complaint is to call our 24/7 support team on 020 8962 7401.
Alternatively, you can contact us via:
Live Chat through our website during business hours.
Email at contact@capitalontap.com.
To help us resolve your issue quickly, please provide your contact details, a description of what happened, and what you'd like us to do to resolve it.
Please call our customer service team on 020 8962 7401. Our team will work to resolve your issue as quickly as possible. If you are not satisfied with our final response, you have the right to refer your complaint to the Financial Ombudsman Service.
Alternatively, you can contact us via:
Live Chat through our website during business hours.
You can redeem your points for cashback, gift cards, or Avios at any time. Simply log in to your portal and navigate to the 'Rewards' page to see all available options.
Log in and navigate to the ‘Rewards’ page.
Choose ‘Redeem for e-gift cards’.
Select your preferred retailer and follow the instructions.
You can view all available brands on our Rewards page.
You can find your unique referral link by logging in to your online portal. Sharing this link is the easiest way to refer a friend to Capital on Tap.
If you notice any transactions on your account that you do not recognise, please call us immediately on our 24/7 fraud line: 020 8962 7401.
If you joined Capital on Tap before May 2024, you can sign the agreement to enable the Preloading feature.
Log in to your account.
Go to ‘Your Account’ > ‘Rates and Contracts’.
Select and sign the E-Money Facility Agreement.
If you joined after May 2024, you signed this as part of your application.
You can instantly transfer funds from your Capital on Tap Instant Savings account to your Business Credit Card account.
Log in to your online portal, go to the 'Savings' tab, and select the option to transfer to your credit card. The funds will be available on your credit line immediately.
When making an online purchase, select Visa Credit as the card type and use your registered business address as the billing address. For some transactions, you may be asked to authorise the payment by entering a One Time Passcode (OTP) sent to your phone.
You will typically need to provide your name, the 16-digit card number, the expiry date, and the 3-digit CVV number from the back of the card. The merchant will confirm the card type is Visa Credit. You may be sent a One Time Passcode (OTP) to authorise the payment.
Please remember to never share your OTP over the phone, not even with a Capital on Tap employee.
You can view and download all your statements as a PDF or CSV file from the 'Transactions' tab in your online portal. We will also email your statement to you at the end of each billing period.
We collect all repayments automatically via Direct Debit.
Depending on the repayment plan you have selected, we will collect your payment either monthly on your statement due date, or weekly. Please ensure you have an active Direct Debit set up in the 'Payments' section of your portal.
Bill Pay allows you to pay your suppliers' invoices directly from your Capital on Tap account via bank transfer. Simply upload an invoice, confirm the extracted payment details (like amount and payee), and schedule the payment date.
Modulr, our e-money provider, uses a process called Safeguarding. This means 100% of customer funds held as e-money are segregated from Modulr's own business funds and kept in protected accounts at regulated banks or the Bank of England.
We record all complaints in line with our regulatory obligations to ensure they are investigated thoroughly and to help us improve our services.
For detailed information on how we store and use your personal data, including information related to complaints, please review our Privacy Policy.
We use bank-level security and encryption to keep your data secure. We only share information when required by law or as detailed in our Privacy Policy.
Our Open Banking connection is provided by Plaid, which uses secure technology to link your accounts with your consent. You can revoke this access at any time.
We use the information from your linked bank accounts to get a better understanding of your business's financial health. This helps us assess your account for potential credit limit increases.
Transferred funds for Preloading typically appear in your account almost instantly.
However, if details like the payment reference are incorrect, a manual review may be required, which can take up to two business hours.
Your new card will be delivered to your registered business address within 3-5 business days. If your card has not arrived after 6 business days, please contact us.
Free card: Our free Capital on Tap Business Credit Card has no joining, annual, or monthly fees.
Pro card: Our Pro tier, which includes benefits like unlimited airport lounge access, has an annual fee of £299.
The cost of borrowing depends on your specific interest rate and the amount of time the funds are borrowed for. Our variable interest rates start from 1.13% per month. We regularly review accounts for interest rate reductions.
Your monthly repayment amount depends on your outstanding balance and the repayment option you have selected (Minimum, Fixed Amount, or Full Balance). You can see your next payment amount on your monthly statement or by visiting the 'Payments' page in your portal.
Once your account is approved, you can access funds immediately in two ways:
Create a virtual card in your portal for online spending.
Transfer funds directly from your card to your nominated business bank account.
Your rewards points are available to be redeemed as soon as the transaction has posted to your account. Just go to the 'Rewards' page in your portal to use them.
You must pay at least the minimum amount shown on your statement by the due date each month. We offer several repayment options to suit your business needs:
Full balance
Minimum amount
Fixed amount
Weekly full balance
You can select your preferred option in the 'Payments' section of your portal.
Points from your card purchases will typically appear in your Rewards Points History shortly after the transaction has been processed. You can see the specific points earned for a transaction by viewing its details.
If you are facing financial challenges, we have partnered with The Finance Exchange (TFE), an independent team of professional business advisers who can offer guidance.
To request a callback from their team, please email us at contact@capitalontap.com with 'The Finance Exchange' in the subject line, or visit the TFE website for more information.
First, please double-check that your email address and password are correct. If you have forgotten your password, use the 'Forgotten Password?' link on the login page to reset it.
If you are still unable to log in, please call us on 020 8962 7401.
If you are asked to verify your identity, we recommend using your mobile phone to complete the process.
Please ensure your ID document (Passport or Driving Licence) is in date and that you follow the on-screen instructions carefully. You will receive an email after each attempt. If you continue to have issues, please call us on 020 8962 7401.
You may be able to dispute this charge, but you must take some important steps first. The chargeback process requires that you have already made a reasonable effort to resolve the issue directly with the merchant.
Before raising a dispute with us, you must:
Contact the merchant directly to request your refund. We strongly recommend doing this in writing (e.g., by email) so you have a record of the conversation.
Ensure you have followed the merchant’s official cancellation policy.
Return any goods you have received, if this is part of their policy.
If the merchant is unresponsive or refuses to issue a refund after you have contacted them, you can proceed with raising a dispute. To support your case, you will need to provide evidence, including:
Proof of your original purchase (receipt or invoice).
Copies of all communication with the merchant (e.g., emails showing your cancellation request and their response).
Proof of cancellation, such as a cancellation confirmation email.
Proof of return, if you sent merchandise back (e.g., a tracking number).
Time limit: In most cases, we can only submit a chargeback within 120 days of the original transaction date.
No guarantee: When we raise a dispute, we are attempting to recover the funds on your behalf through the Visa chargeback process. While we will use all the evidence you provide to build a strong case, success is not guaranteed.
If you see a charge you don't recognise, it's important to act quickly to protect your account. Follow these steps in order.
Before doing anything else, secure your card to prevent any further unauthorised payments.
Log in to your Capital on Tap portal or app.
Navigate to the 'Cards' page.
Find the relevant card and select the option to freeze it.
Once your card is frozen, quickly check if the transaction could be legitimate but unfamiliar:
Different company name: Could the charge be from a company that uses a different trading name or legal name on statements? A quick search online often helps.
Recurring subscriptions: Is it possible this is a recurring payment for a subscription, or a free trial that has recently ended?
Other cardholders: Have you checked with any employees or family members who may have access to the card details?
Your records: Does the charge match any of your own receipts, invoices, or order confirmations?
If you have completed the checks above and are certain the transaction is unauthorised, please contact us immediately on 020 8962 7401.
Our team will:
Permanently cancel the compromised card and issue a new one.
Gather the necessary information from you to open an official dispute case.
Our Disputes team will then begin their investigation and will contact you if any further information is required to support your case.
Yes, as an existing Capital on Tap Instant Savings customer, you can apply for a Capital on Tap Business Credit Card.
The easiest way to do this is to log in to your existing online portal. As we already have some of your details, this can help to streamline the application process.
Before applying, we recommend reviewing our business credit card eligibility criteria to ensure your business qualifies.
Go to the 'Login' page on our website and click the 'Forgot password?' link.
A secure link to reset your password will be sent to your registered email address.
If the expected delivery date has passed, you may be able to dispute the charge. Please follow these steps in order.
Step 1: Wait 15 days & contact the merchant
You must wait at least 15 days from the expected delivery date before raising a dispute.
During this time, you must contact the merchant directly to request an update or a refund. We strongly recommend doing this in writing (e.g., by email) to keep a record.
Step 2: Gather your evidence: If the merchant is unresponsive or refuses a refund, you can proceed with a dispute. You will need to provide:
Proof of your original purchase (receipt or order confirmation).
The expected delivery date.
Copies of all communication with the merchant.
Step 3: Raise a dispute: Contact our Customer Service team on 020 8962 7401 to begin the dispute process.
Important information to know
Time limit: We can typically only submit a chargeback within 120 days of the original transaction date.
No guarantee: Success is not guaranteed, but providing clear evidence significantly strengthens your case.
Currently, Capital on Tap Instant Savings accounts are not available to US customers. We are working to expand our services, so please check back for updates on US availability.
Yes, eligible deposits in your Capital on Tap Instant Savings account are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000. You can find more information about FSCS here. For a list of ClearBank provided accounts please visit ClearBank | FSCS protection.
Yes, the Pro card is a premium metal card crafted from solid reinforced steel.
No, the Capital on Tap Business Credit Card charges no foreign exchange (FX) fees.
No, there is no maximum deposit limit for your Capital on Tap Instant Savings account. However, please note that the Financial Services Compensation Scheme (FSCS) protects eligible deposits up to £85,000.
No, once enrolled in Pro, the primary card holder gets unlimited access to over 1,600 airport lounges worldwide.
Yes, the minimum deposit to open an account is £1. There is no minimum balance requirement to keep the account open after that.
No, a physical card is not required. You can access lounges using the digital QR code available in the 'Rewards' section of your online portal.
If you have been charged twice for the same item, either on the same card or across different payment methods, please follow these steps.
Step 1: Contact the merchant: You must first contact the merchant directly to give them the opportunity to resolve the error and refund the duplicate charge.
Step 2: Gather your evidence: If the merchant cannot resolve the issue, you can raise a dispute. You will need clear evidence of both payments, such as:
Card statements showing both charges.
Receipts or invoices for both transactions.
Step 3: Raise a dispute Contact our Customer Service team on 020 8962 7401 to begin the dispute process.
Important information to know
Time limit: We can typically only submit a chargeback within 120 days of the transaction date.
No guarantee: Success is not guaranteed, but providing clear evidence significantly strengthens your case.
If your account has a positive balance from a refund or overpayment, you have three options:
Spend the credit: Simply continue to use your card as normal. Your positive balance will be used first before any new spending is added to your account.
Withdraw the funds: If you have the drawdown feature enabled, you can withdraw the credit balance to your nominated bank account, interest-free.
Request a refund: If you do not have the drawdown feature, please call us on 020 8962 7401 and we will arrange for the credit balance to be refunded to your bank account.
If your card is lost or stolen, it's crucial to secure your account immediately.
1. Freeze or Cancel Your Card
Log in to your Capital on Tap portal or app.
Navigate to the 'Cards' page.
Select the option to freeze your card or report it lost or stolen.
2. Check Your Transactions
Review your recent transactions for any you don't recognise.
3. Take the Next Step
If there is no suspicious activity: You can simply reissue a new card to your address directly from the portal.
If you see unauthorised transactions: Contact us immediately on 020 8962 7401 to report the fraud.
If you've entered your PIN incorrectly too many times, your card will be blocked for security.
To unblock it:
Log in to your online portal and go to the 'Cards' tab to view your correct PIN.
Visit any ATM, insert your card, and select 'PIN services'.
Follow the instructions on the screen to unblock your PIN.
A weekly full repayment Direct Debit may not be scheduled if:
You had no outstanding balance to repay.
Your account was not in good standing.
Your monthly billing period was close to its payment due date.
Hang up immediately. Capital on Tap will NEVER call you to ask for your password or any secure codes sent to you by SMS. This is a scam.
After ending the call, please follow these steps:
Freeze your card in the Capital on Tap app or online portal.
Call us as soon as possible on 020 8962 7401 to report the incident.
Our team will secure your account, cancel the compromised card, and open a case to investigate any fraudulent activity. You can learn more about protecting your account on our security blog.
If an item you purchased is not as described, you may be able to dispute the charge. Please follow these steps in order.
Step 1: Contact the merchant
You must first contact the merchant directly to explain the issue and request a refund or replacement.
We strongly recommend doing this in writing (e.g., by email) to keep a record. If you are asked to return the item, be sure to get a tracking number.
Step 2: Gather your evidence: If the merchant is unresponsive or refuses to help, you can raise a dispute. You will need:
Proof of purchase (receipt or invoice).
Photos or evidence showing the damage or how the item differs from its description.
Copies of all communication with the merchant.
Step 3: Raise a dispute: Contact our Customer Service team on 020 8962 7401 to begin the dispute process.
Important information to know
Time limit: We can typically only submit a chargeback within 120 days of the transaction date.
No guarantee: Success is not guaranteed, but providing clear evidence significantly strengthens your case.
You can connect your Capital on Tap account directly with Xero, FreeAgent, QuickBooks, and Sage.
You can also export your transaction data for use with other platforms, including KashFlow.
Your Pro card gives you unlimited access to over 1,600 Priority Pass™ airport lounges worldwide. You can use the 'Find a lounge' feature in the Capital on Tap app to search by airport and view available locations.
Amenities vary by lounge but typically include complimentary Wi-Fi, food and beverages, and quiet areas to work or relax. You can check the specific offerings for any lounge using the 'Find a lounge' feature in the app.
If a scheduled repayment cannot be collected and we are unable to reach you, your account may incur a late payment fee as outlined in your credit agreement. If you think you might miss a payment, please call us on 020 8962 7401 to discuss your options.
A linked bank account is an account you connect to Capital on Tap via Open Banking. This secure connection allows us to view your financial information, which helps us to keep your details up to date and assess your account for automatic credit limit increases.
You can choose the repayment plan that best suits your business.
Monthly repayment options
You can set your automatic monthly Direct Debit to one of the following:
Full balance
Minimum payment
Fixed amount
Weekly Repayment Option
You can also choose to repay your full balance weekly via Direct Debit.
Manual Repayments
You can make additional manual repayments at any time via bank transfer or debit card (up to £5,000) in the 'Payments' section of your portal.
Bill Pay has a flat fee of 2% per transaction. However, you also earn reward points on these transactions, which helps to reduce the net cost.
Standard: Earn 1% cashback, making the net cost 1%.
Pro (with Preloading): Earn 1.25% cashback, making the net cost 0.75%.
You can view your PIN securely at any time. Simply log in to your online portal, go to the 'Cards' page, and select the 'View PIN' option for the relevant card.
Connecting your account creates an automatic data feed that syncs all your financial activity (card payments, refunds, interest charges, etc.) to your accounting software every 12 hours. This gives you a near real-time view of your business cash flow and simplifies your bookkeeping.
Your complimentary Radisson Rewards VIP status includes benefits like free breakfast, complimentary room upgrades when available, and access to exclusive VIP areas at select hotels.
If you think you might not be able to make a repayment, please contact us straight away on 020 8962 7401. If we cannot reach you, your account may be suspended, and late payment fees may be applied as detailed in your credit agreement.
Once your card arrives, log in to your Capital on Tap portal and go to the 'Cards' page to activate it. After activation, you will also be able to view your PIN.
Please give the card directly to the employee it is issued to. They will need to log in to their own Capital on Tap account to activate the card. Once activated, they can view their PIN and transaction history.
Our online application is quick and simple. You will need to provide basic personal and business details, including your registered Companies House number. In some cases, we may email you within one business day to request further information to complete our review.
Your points history gives you a clear breakdown of all your rewards activity. You can see:
Daily accrued points from your card spending
Any bonus points you've earned
Point adjustments or refund adjustments
A record of your points redemptions (e.g., for cashback or Avios conversions)
You can also click on an individual card transaction to see the specific points earned for that purchase.
A pending payment is a transaction that has been approved but has not yet been finalised by the merchant. The amount is temporarily deducted from your available credit and will be finalised or released back to you within 7-30 days.
A personal guarantee is a legally binding agreement from a company director or shareholder to be personally responsible for repaying the company's credit card debt if the business is unable to.
This is the legal agreement that allows you to use e-money services, such as our Preloading feature. It outlines the terms for holding an electronic money balance with us.
Authorised Push Payment (APP) fraud is a scam where you are tricked into sending money from your account to an account controlled by a fraudster. A genuine organisation will never pressure you to make an urgent payment or ask you to send money for a reason you don't understand.
Bill Pay is a feature that allows you to pay suppliers and bills via bank transfer directly from your Capital on Tap account, even if the recipient doesn't accept card payments.
Your billing address is the registered business address we have on file for your account. You can confirm this in the 'Your account' section of the portal.
Open Banking is a secure technology that allows you to share your financial data from your bank with regulated third parties like Capital on Tap. This helps us make faster decisions, such as assessing your account for credit limit increases, without needing paper statements.
Preloading allows you to add your own funds to your credit card account, increasing your total spending capacity beyond your credit limit. Spending with preloaded funds can also earn you a higher cashback rate.
This is a regulatory scheme, introduced by the Payment Systems Regulator (PSR), which requires payment firms to reimburse victims of APP fraud. The scheme has been active since 7 October 2024.
Our dispute process, known as a chargeback, follows these general steps:
Contact us: You first report the issue to our Customer Service team, who will open a case and request supporting evidence from you.
Initial review: Our Disputes Team reviews your claim and evidence. If the claim is valid, they will submit a chargeback to the merchant's bank.
Merchant response: The merchant has up to 30 days to either accept the chargeback or challenge it by providing their own evidence.
Final outcome: Our team assesses the merchant's response and will contact you to confirm the final outcome and any next steps.
The entire chargeback process can take between 30-100 days on average.
Our customer service teams will first try to resolve your issue immediately.
If it needs more investigation, we will contact you within 3 business days with a resolution or an update.
If your complaint is still unresolved after 3 days, it will be escalated. The Financial Conduct Authority (FCA) allows us up to 15 business days to provide a final response (extendable to 35 days in exceptional circumstances).
If you're not satisfied with our final response, we will provide details on how to escalate your complaint to the Financial Ombudsman Service (FOS).
The current conversion rate for your card is displayed in the 'Rewards' section of your online portal.
New Pro cardholders can earn 10,000 bonus points by spending £5,000 on their card within the first 3 months. This offer is for new customers who have not previously received a sign-up bonus.
In addition to lounge access, your Priority Pass™ membership may unlock other airport perks, such as exclusive discounts at select airport restaurants and retailers.
The agreement is regulated by the Financial Conduct Authority (FCA). This ensures we follow strict rules for services like Preloading, including safeguarding your funds and conducting required security checks.
You can sign up for a free Radisson Rewards account on the official Radisson website. Once you have a membership number, you can link it to your Capital on Tap account to convert your points.
Because Bill Pay transactions are bank transfers, not card payments, they do not have chargeback rights. You must liaise directly with the merchant to resolve the issue. We can provide you with proof of payment to support your claim.
First, try closing and restarting the app. If the issue persists, check for any available updates in your phone's app store. As an alternative, you can always access your account through the web browser on your phone or computer. If you still need help, please call us on 020 8962 7401.
Freeze your card immediately in the app or online portal.
Call us 24/7 on 020 8962 7401 to report the incident.
You can make a manual repayment via BACS (bank transfer) or debit card at any time. You can find the details in the 'Payments' section of your portal. The maximum repayment via debit card is £5,000.
You can start using your card for purchases as soon as you have activated it in your online portal.
We safeguard your money in two key scenarios:
E-Money customers: If you use our Preloading feature, any funds you add to your account are treated as e-money. These funds are held in a separate, protected bank account, segregated from our own business funds, as required by FCA regulations.
Account in credit: If your account has a positive balance (e.g., from an overpayment or refund), we place these funds into a separate customer funds account.
This safeguarding process ensures your money is protected and can be returned to you in the unlikely event of our insolvency. Standard repayments made to clear a debt are not safeguarded.
Once a refund has been agreed with our team, we will process it within 5-7 business days. The funds will be sent to your nominated bank account or credited to your card balance.
A Direct Debit payment will typically be reflected on your Capital on Tap account balance by the end of the business day after the funds have left your bank account.
The membership is subject to the Priority Pass™ Conditions of Use, which you can find on the official Priority Pass website.
You can use your Capital on Tap Business Credit Card anywhere in the world that accepts Visa.
However, there are some restrictions:
Restricted Categories: We do not support spending in certain merchant categories, such as gambling services or securities brokers.
The Main Account Holder and any user with an 'Administrator' role can make transfers from a Savings account to a Credit Card account. Users with 'Accountant' or 'Employee' roles do not have this permission.
All Capital on Tap cardholders are eligible to convert their rewards points to Radisson Rewards points.
Modulr is the authorised E-Money Institution (EMI) that provides the regulated payment infrastructure for features like our Preloading service. They are regulated by the Financial Conduct Authority (FCA) in the UK.
When you apply, we run a soft search on your personal credit file, which does not affect your credit score. We also run a search on your business credit file, which will be visible to other lenders.
No, we do not charge a fee for exceeding your credit limit. However, your card will be declined for further transactions until you make a repayment to bring your outstanding balance back below your limit.
Yes, we will email your statement to you on the day after your billing period ends. You can also view and download all your statements at any time from your online account.
The new Rewards Points History feature is designed to give you a clear, daily breakdown of points going in and out of your account. Currently, it shows these as individual activities rather than a running total. For your live, up-to-date points balance, please refer to the main 'Rewards' page in your portal or app.
If your card has been declined, please check the following common reasons:
Is your card activated? If new, you must first activate it in your portal and complete a chip and PIN transaction before using contactless.
Have you frozen the card? Check the 'Cards' tab in your portal to ensure the card is active.
Have you reached a limit? You may have reached your overall credit limit, a spending limit you set, or the contactless limit (which requires a PIN transaction to reset).
Is your Direct Debit active? A recently cancelled or failed Direct Debit can restrict card use until resolved.
Is the merchant in a restricted category? We block certain categories like gambling.
Is your account under review? If your account is under a periodic review, spending may be temporarily paused. We will contact you if this is the case.
If you've checked all of the above and are still having issues, please call us on 020 8962 7401.
8:00am - 8:00pm
Monday - Friday