Card Saver: most-reported complaints
Automated analysis of 245 public Trustpilot reviews published 2022-08-08 to 2026-08-11. TrustScore 4.7 from 2,930 total reviews — see the Trustpilot page. Quick answer: is Card Saver legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues with contract term changes and overcharging, with 23 reports each accounting for 43% of the 54 identified complaints. Misleading pricing is another frequent concern, cited in 12 reports (22% of complaints). Aggressive collections practices were also noted, appearing in 9 reports (17% of complaints). All four top issues show a rising trend based on the analyzed reviews.
How to reach Card Saver
These are the contact details Card Saver publishes on its Trustpilot profile, as of our last check on 2026-09-24 — phone 0344 2938 850, email [email protected], address Poolfoot Farm, Butts Road, Blackpool, FY5 4HX, GB.
The company claimed its Trustpilot profile on 2015-02-24 and uses Trustpilot’s paid features. Trustpilot ranks it 5 of 18 in Card Processing Service. We last checked this profile on 2026-09-24 and found 1 new review. These are facts Trustpilot publishes about the profile, as of our last harvest.
Forum footprint: 53 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “Looking for a Card Saver Replacement”, “Microtek SIM card memory saver”, “EPOS Till System and consumer rights”.
Elsewhere: 2.8★ on Google (0 reviews)
Severity: 78% of this company’s 54 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In June 2020, 100% of 10 one-to-three-star reviews were 1★; in May 2021, 77% of 13.
Counted from June 2020 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 0.8 days between the experience and publishing their negative review (57 reviews record both dates).
Ombudsman outcomes
The Financial Ombudsman Service has published 8 decisions naming this firm (too few to quote an upheld rate).
Covers decisions dated 2016-06-13 to 2019-03-11, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
What their policy promises
complaint process: 5 working days
“In many cases, we can resolve the complaint within 5 working days.”
complaint process: 15 business days
“We aim then to resolve your complaint within 15 business days.”
complaint process: no more than 45 business days
“Please note if the complaint is particularly complex, it may take longer to reach an outcome no more than 45 business days.”
refund window: 30 days
“We will endeavour to send this within 30 days of us being satisfied that the criteria herein for a successful referral have been met.”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-12.
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-01.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 211 negative reviews that received a public reply, the median wait was 1 days — the company profile reports an average of under a day. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 211 company replies to negative reviews analysed, 33% engaged with the specific problem and 53% were generic templates.
Review provenance: 154 company-invited reviews in the recent window average 4.95★, while 47 organic (uninvited) reviews average 4.04★.
34% of its 184 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: contract term changes makes up 43% of this company’s complaints vs a 8% median across 18 ranked companies in its sector.
Review velocity: 46 of this company’s 2,930 Trustpilot reviews (2%) were written in the last 12 months.
What are the most common complaints about Card Saver?
Contract term changes
23 reports · 43% of complaintsrising since 2024-02“Misleading sales calls mid-contract to extend the contract further even when we specifically said that we did not want this.”
The company replied on 2023-03-20: “Good morning, I am saddened to read your 1* review and the details within. With the additional information provided by yourself, I was able to locate your account. After investigation, it seems we…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
5 readers marked this review helpful on Trustpilot.
“They misled us into a contract, then cancelled the contract on us and billed us for doing so!!”
4 readers marked this review helpful on Trustpilot.
“what we really signed up for was much different, an expensive 5yr contract.”
3 readers marked this review helpful on Trustpilot.
Overcharging
23 reports · 43% of complaintsrising since 2024-02“what we really signed up for was much different, an expensive 5yr contract.”
3 readers marked this review helpful on Trustpilot.
“Absolute joke - many hidden costs - beware. 60 month contract. Robbed my son from the business i set up for him.”
3 readers marked this review helpful on Trustpilot.
“expect to pay either full amount for the 5 year contract”
The company replied on 2023-07-05: “Thank you for your review We want to assure you that we do not take advantage of new businesses. Our aim is to provide quality services and support to our merchants throughout their journey. However,…”
Our classifier read this reply as a substantive response.
2 readers marked this review helpful on Trustpilot.
Misleading pricing
12 reports · 22% of complaintsrising since 2024-02“They misled us into a contract, then cancelled the contract on us and billed us for doing so!!”
4 readers marked this review helpful on Trustpilot.
“you will be furious when you are hit with excessive charges and unexpected fees.”
2 readers marked this review helpful on Trustpilot.
“Told me nothing about a £500 payment to Mastercard which unfortunately i missed on the contract then told me in writing it was a one off payment only to find out its annual”
1 reader marked this review helpful on Trustpilot.
Aggressive collections
9 reports · 17% of complaintsrising since 2024-02“We are now being chased for £500 simply because we cancelled a contract that was mis-sold from the start.”
The company replied on 2025-06-04: “We're genuinely sorry to hear about your experience and fully understand how frustrating this must have been for you. At Card Saver, we aim to deliver transparent and reliable service, and it's clear…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“Threatened with bailiff and CCJ. They won’t allow my LTD to strike off.”
1 reader marked this review helpful on Trustpilot.
“never mentioned in the very small print that if you don't use it within 60 days they terminate the contract and you have to pay charges of £1500.00 immediately!”
The company replied on 2022-11-03: “Hello Julia, Thank you for your feedback, we have acknowledged this and are eager to investigate this further for you. Unfortunately, based on the information on this review we are unable to locate…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Hard to cancel
9 reports · 17% of complaintsfalling“Misleading sales calls mid-contract to extend the contract further even when we specifically said that we did not want this.”
The company replied on 2023-03-20: “Good morning, I am saddened to read your 1* review and the details within. With the additional information provided by yourself, I was able to locate your account. After investigation, it seems we…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
5 readers marked this review helpful on Trustpilot.
“ended up charging me loads more that agreed”
The company replied on 2023-05-30: “Good afternoon, Thank you for your feedback, we have acknowledged this and are eager to investigate this further for you. Based on the information provided we are unable to locate the account to…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“if you do they charge the rest of your contract plus £150 early cancellation!”
The company replied on 2022-12-22: “Hello Courtney, I am extremely saddened to read of your 1* review, along with the description of the experience your stating. I have requested more information in order to locate your account details…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Support unhelpful
8 reports · 15% of complaintsfalling“My terminal has not been working correctly since January which was reported to them swiftly but never fixed.”
The company replied on 2023-06-09: “Good afternoon, Thank you for your feedback, we have acknowledged this and are eager to investigate this further for you. Based on the information provided we are unable to locate the account to…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“They messed up my PCI account, I couldn't login to be compliant”
The company replied on 2023-05-30: “Good afternoon, Thank you for your feedback, we have acknowledged this and are eager to investigate this further for you. Based on the information provided we are unable to locate the account to…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“My funds were withheld for a ridiculous length of time”
The company replied on 2023-02-02: “Good morning Mrs Richardson, Thank you for providing feedback on your most recent experience, Card Saver are saddened to read your 1* review and the details within. Card Saver send our greatest…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
Compare Card Saver with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-07.