I have had an excellent experience since May 2026 with Aqua Card so far. Very easy to apply, won't hurt your credit score, and it's very positive even helps to build your credit score. After applying,... See more
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Review summary
Created with AI, based on recent reviews
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Reviews shaping this summary
It’s good and helpful to have and definitely helps build your credit score but you must make sure you put the correct amount to pay back, as it can be a bit confusing then you find it’s a lot your pay... See more
Company replied
Really happy with my experience with Aqua Credit Card. Everything has been straightforward, from managing my account to making payments. The app is simple to use and I can easily keep track of my spen... See more
Company replied
My application in applying for an Aqua Credit Card was very quick and simple. The service that I have received from Aqua so far since I open the account seven or eight months ago has been excellent. I... See more
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Company details
Written by the company
Aqua is the smart way to build better credit. We give you the power to improve your credit score backed by our expert support, personalised credit limits that can grow as we get to know you and a secure app that guides you on your credit building journey. So you can move forward with confidence, knowing you’re in safe hands. Representative 39.9% APR (variable). NewDay Ltd. Subject to status. 18+. UK only. T&Cs apply. Credit limits and score could increase with responsible account management.
Contact info
aqua Customer Services - PO BOX 173, S98 1JW, Sheffield, United Kingdom
- 0333 220 2691
- www.aquacard.co.uk
4.6
Excellent
17K reviews
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The profesional way through to your new cardprofessional approach and…yo
Very professional approach and supportive systems to take you through the process
5 August 2026
Reply from Aqua card
Hi,
Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊
Regards,
Rob
Reply from Aqua card
Hi Leslie,
Thank you for taking the time to leave us a review. We're excited to have you on board 😊
Thanks,
Rob
Happy chappy
Very simple to apply for a card ,everything thing is straightforward, it works perfectly well and I'm not pestered by loads of bumph . Glad I joined and will happily recommend them if asked.
2 August 2026
Reply from Aqua card
Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy and that that you are enjoying your card, this is just what we aim for 😊
Kind Regards,
Michelle
Reply from Aqua card
Hi Ade,
Thank you for taking the time to leave us a positive review. We're pleased to hear you're finding us encouraging and helpful and hope you continue to enjoy our services! 😊
Thanks,
Andy
Fantastic company
Fantastic company. Had a card with them now for nearly 2 years and never an issue and applied for a loan and it was smooth sailing. Thank you Aqua!
12 August 2026
Unprompted review
Reply from Aqua card
Hi Allan,
Thank you for your positive review and 5-star rating! We're delighted to hear you've had a good experience with us and found our application process smooth sailing - this is just what we aim for 😊
Thanks,
Andy
The efficient manner is which I am kept…
The efficient manner is which I am kept informed with transparent notification.
3 August 2026
Reply from Aqua card
Hi Adele,
Thank you so much for your positive review and 5-star rating! We appreciate your comments about the way we keep you informed, and hope you continue to enjoy our services 😊
Thanks,
Andy
Very good services
4 August 2026
Reply from Aqua card
Hi Hassan,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
Very happy with Aqua
Very happy with Aqua. Every transaction has been simple. The app works smoothly and is easy to use.
4 August 2026
Reply from Aqua card
Hi Suzanne,
Thank you for taking the time to leave us a positive review! We're happy to hear you're enjoying our app, and have found everything works so smoothly - this is just what we aim for 😊
Thanks,
Andy
Reply from Aqua card
Hi Paul,
We do aim to provide a high level of customer service, so it's great to hear you've received this when contacting us. Thank you for taking the time to leave us a positive review 😊
Thanks,
Andy
Reply from Aqua card
Hi Iswarya,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
Aqua card gives peace of mind interms…
Aqua card gives peace of mind interms of financial freeedom, it gives opportunity to meet needs.
3 August 2026
Reply from Aqua card
Hi Misbaudeen,
Thank you for choosing us as your card provider - and for leaving us a positive review!
Best,
Stephanie.
Easy to use/good product
I always found New Day Financial very good to deal with, and thus I am not surprised to find Aqua Gold very good indeed,
7 August 2026
Reply from Aqua card
Hi Edward,
Thanks for leaving a review. It's great to hear that you've had a wonderful experience with us.
Best,
Stephanie.
simple and straight
27 July 2026
Reply from Aqua card
Hi Sammy,
Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊
Best,
Stephanie.
Ease of managing account online
30 July 2026
Reply from Aqua card
Hi,
Thank you for leaving a review. We're happy to hear that you've had a positive experience with Aqua.
Best,
Stephanie.
Would love to see an increase on my…
Would love to see an increase on my credit to actually see that it’s helping me build creid as been same since opened 3 months ago
3 August 2026
Reply from Aqua card
Hi Samantha,
Thank you for choosing us as your card provider - and for leaving us a positive review! We hope you enjoy our services 😊
If you do have any queries, we are always here to help you. You can get in touch with us via our app, by going to: More > Help & Support > Contact Us > Contact Details.
Thanks,
Rob
Confusion over Direct Debit Payment
I signed up for a direct debit payment at the start. I assumed that they would take a minimum payment. They took only £9 and I incurred a late payment charge. I then had to make a top up payment.
3 August 2026
Reply from Aqua card
Hi Jacqueline,
I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0333 220 2691 or via chat in the app (More > Help & Support > Contact Us > Contact Details) at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you.
Regards,
Rob
Misleading advertising
Misleading advertising - Hard inquiry without consent, I received a pre-approved promotional letter in my postal mail for the Aqua credit card, stating that applying would not affect my credit score, but would instead help me build it. Based on this marketing promise, I decided to activate the card.However, right after activation, I discovered that they performed a hard credit check. This hard inquiry is now negatively impacting my credit report and will remain there for the next 12 months.This is highly misleading advertising. I would never have ordered or activated this card if they had been transparent about the hard search. Be very careful with their promotional letters, as their marketing claims do not match reality.
3 August 2026
Reply from Aqua card
Hello Any,
I’m very sorry to read that you’ve not had the experience you expected with us, I appreciate the time you’ve taken to write the above. With regards to what you have mentioned, I have passed your concerns on to our Specialist Team to review.
As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate, and the team will be in touch with you in due course. However, if you'd like to contact us in the meantime, you can reach our Customer Care Team / Customer Service department on Aqua phone number 03332202691 Monday to Friday 9am-6pm or Saturday 9am - 4pm.
Take care,
Claire
New to having a credit card
New to having a credit card, its been very helpful when making purchases. The ability to pay in installments for larger purchases (inc a small fee of interest) has been especially helpful
3 August 2026
Reply from Aqua card
Good morning Ricky,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card and hope you continue to enjoy our services 😊
Thanks,
Rob
Great company not had a problem so far…
Great company not had a problem so far just like Zable very helpful handy and fits your needs
New day/lendable help you build your credit score within reason
3 August 2026
Reply from Aqua card
Hi Dean,
Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊
Best,
Rob
Aqua is brilliant for me and my family…
Aqua is brilliant for me and my family ,easy app understanding and quick processing of payment
3 August 2026
Reply from Aqua card
Hello Gaynor,
We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review and a 5-star rating 😊
Regards,
Rob
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