Their own payment-practices filing · gov.uk
How long does Capital One (Europe) PLC take to pay its suppliers?
Self-reported figure from their statutory filing. How this is compiled.
On the public register · Companies House
Company record
- Status
- Active
- Type
- Public Limited Company
- Incorporated
- 17 Nov 1999
- Registered office
- TRENT HOUSE, NOTTINGHAM, NG2 3HX
Terms vs reality
Stated terms: 30–60 days. Reported average: 19.
At a glance
The key figures
Vs peers · latest reported averages
The pattern
Holding steady
Average days to pay across their last 6 statutory reports.
Where their supplier invoices land · latest period
The read · computed from their figures
Capital One (Europe) PLC has filed 17 statutory payment periods (earliest H1 2018). Their latest report puts the average at 19 days against stated terms of 30–60 days.
The pattern is steady — their reported average moves within about ±1 days period to period.
In the latest period 5% of invoices were paid outside their agreed terms, and 0% landed 61+ days out.
What they tell their suppliers
In their own words · from the filing
Standard payment terms
The standard payment term for the period to 30th June 2026 was payment within 30 days after the last day of the month of receipt by Capital One of an undisputed invoice. Receipt of an undisputed invoice is defined as an invoice submitted through the correct Capital One channels with a valid purchase order number. Shorter, non-standard payment terms, may be negotiated with individual suppliers as part of their contract negotiations.
Dispute resolution
Capital One Supplier managers will work with suppliers to resolve payment disputes. Where possible, Capital One will aim to resolve disputes by the supplier making an adjustment on a future invoice, or providing a credit note, so that the original invoice may be paid on time. If this is not possible, the invoice under dispute, will be rejected back to the supplier and no payment is issued. Once the dispute is resolved, the invoice will be resubmitted for payment in line with payment terms.
Every statutory report on record
Most recent first.
| Period | Avg days | Outside terms | 61+ days | Filed |
|---|---|---|---|---|
| H1 2026 | 19 | 5% | 0% | 22 Jul 2026 |
| H2 2025 | 20 | 5% | 0% | 26 Jan 2026 |
| H1 2025 | 20 | 3% | 0% | 25 Jul 2025 |
| H2 2024 | 20 | 3% | 0% | 23 Jan 2025 |
| H1 2024 | 21 | 4% | 0% | 22 Jul 2024 |
| H2 2023 | 21 | 6% | 1% | 30 Jan 2024 |
| H1 2023 | 22 | 3% | 0% | 19 Mar 2024 |
| H2 2022 | 21 | 3% | 0% | 25 Jan 2023 |
| H1 2022 | 23 | 8% | 1% | 21 Jul 2022 |
| H2 2021 | 22 | 4% | 0% | 20 Jan 2022 |
| H1 2021 | 21 | 2% | 0% | 16 Jul 2021 |
| H2 2020 | 14 | 2% | 0% | 21 Jan 2021 |
| H1 2020 | 19 | 3% | 0% | 14 Jul 2020 |
| H2 2019 | 25 | 5% | 0% | 27 Jan 2020 |
| H1 2019 | 25 | 5% | 0% | 24 Jul 2019 |
| H2 2018 | 26 | 6% | 0% | 28 Jan 2019 |
| H1 2018 | 30 | 10% | 1% | 23 Jul 2018 |
Quick answers
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How UK payment reporting works
What is a Payment Practices Report?
What does "paid outside agreed terms" mean?
How often is this data updated?
Is this official government data?
How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.
The 31-day comparison figure is the median across 6,185 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).
Report PL-03879023 · latest period to 30 Jun 2026
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