Pepper Money Complaints
Pepper Money is among the worst-performing banks for complaints.
What customers experience
Pepper Money received 1,441 complaints in the 2025-07-01 to 2025-12-31 reporting period -- that is roughly 32.7 complaints per 1,000 accounts, which is above the sector average of 8.1. If you have had a bad experience with Pepper Money, you are not alone.
Total Complaints
1,441
In 2025-07-01 to 2025-12-31
Rate (per 1,000 accounts)
32.7 →
Sector Average
8.1
per 1,000 accounts
Complaints by Product
| Product ↕ | Complaints ↕ | Share |
|---|---|---|
| Home finance | 1,441 | 100.0% |
How does Pepper Money compare?
Complaint rate per 1,000 accounts
Bottom Line
Pepper Money is among the most complained-about banks in the UK. If you have been frustrated with their service, the data confirms your experience is widely shared. We would encourage you to make a formal complaint and escalate to the ombudsman if needed. If you are considering switching to Pepper Money, this record is worth factoring into your decision.
About This Data
Data sourced from official UK regulators for the period 2025-07-01 to 2025-12-31. Complaint rates are calculated per 1,000 accounts. Ombudsman uphold rate from the Financial Ombudsman Service. Full methodology