Capital on Tap vs Nucleus: most-reported complaints compared
Most-reported issues at Capital on Tap and Nucleus, according to reviewers on Trustpilot — classified by our automated reader and backed by verbatim quotes from distinct reviews. This is a side-by-side of what reviewers report, not a score, rating or recommendation for either company.
Capital on Tap
TrustScore 4.6 · 18,540 reviews on Trustpilot.
369 reviews analysed, 2026-06-19 to 2026-09-23.
Complaint rate (recent window): 16%
94% of negative reviews get a company reply.
“take you through poor customer services support on hours with varying versions”
Nucleus
TrustScore 3.8 · 1,827 reviews on Trustpilot.
135 reviews analysed, 2026-05-20 to 2026-09-25.
Complaint rate (recent window): 55%
80% of negative reviews get a company reply.
“It has taken over two weeks at a time to correct very simple issues like cancelling a pending direct debit or correcting an incorrect NI number.”
Reported on both
Issues with an evidenced category (at least two verbatim quotes) on both sides.
| Issue | Capital on Tap | Nucleus |
|---|---|---|
| Support unhelpful | 38% | 60% |
| Account/app problems | 38% | 20% |
| Other | 14% | 12% |
| Overcharging | 9% | 5% |
| Billing errors | 7% | 12% |
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. Figures are census classifications, not official statistics, and reflect what reviewers reported — not findings of wrongdoing by either company. Not affiliated with, endorsed by, or sponsored by Trustpilot A/S, Capital on Tap or Nucleus.