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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Reply from Aqua card
Hi Pinky Pinky,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
The app user interface especially the…
The app user interface especially the homescreen gets distorted sometimes. By this way can’t check the balance amount.
30 July 2026
Reply from Aqua card
Hi, thank you for your feedback, we are always working to improve our services. I can assure you that we're a company that prides ourselves on a high level of professional service. Please be assured that this feedback will be passed on to the relevant team for further review. Best, Sheona
I have not used my card yet as I have…
I have not used my card yet as I have no pin number and I have tried many times to activate my card but cannot get onto the aqua site all I get are card details incorrect
5 August 2026
Reply from Aqua card
Hi Julie,
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.
Please be assured that this feedback will be passed on to the relevant team. 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 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
I cannot fault Aqua
I cannot fault Aqua. The application was seamless. The charges are competitive and most of all totally transparent. The App is very easy to use and very useful. What more can I say?
30 July 2026
Reply from Aqua card
Hi Timothy,
Thank you for taking the time to leave us a positive review. We're pleased you found our application process seamless and our app easy to use. This is just what we aim for and we hope you continue to enjoy our services 😊
Thanks,
Andy
a credit card with ease of use
a credit card with ease of use, the app is simple to use, it helps build my credit score, aqua is the credit card for everyone looking to build there credit rating
30 July 2026
Reply from Aqua card
Hi Russell,
We're happy to hear you're enjoying our app and that we've been able to help you build your credit score. Thank you for taking the time to leave us a positive review! 😊
Thanks,
Andy
Not happy with charging me for paying a…
Not happy with charging me for paying a bill 😒
5 August 2026
Reply from Aqua card
Hi Anthony, I would like to thank you for your feedback, as we are always working to improve our services. I can assure you that we're a company that prides ourselves on a high level of professional service. Please be assured that this feedback will be passed on to the relevant team for further review. Thanks, Sheona
Everything about this card is good.
30 July 2026
Reply from Aqua card
Hi Benjamin,
Thank you very much for the positive review and 5-star rating. We're happy to hear you're enjoying your card! 😊
Thanks,
Andy
Reply from Aqua card
Hi Raymond,
We're happy to hear you're enjoying our app and have had a good experience with us. Thank you for taking the time to leave us a positive review! 😊
Thanks,
Andy
Reply from Aqua card
Hi Karamjot,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
Easy application and smooth account…
Easy application and smooth account opening.Card recieved fast and app is fantastic user freindly!
Overall a very good company i hope to do buisness with for a long time
28 July 2026
Reply from Aqua card
Hi Mohammed,
Thank you so much for your lovely review and the 5-star rating! We're excited to have you on board 😊
Best,
Michelle
I have been reading the reviews.I must…
I have been reading the reviews.I must say I cannot relate to the One star reviews as I have always found my Aqua card to be really lifesaving sometimes.I try to pay the boosted payment each month as it helps to bring your balance down.Overall a good Credit card
5 August 2026
Unprompted review
Reply from Aqua card
Hello Miss Harford,
It’s lovely to hear that you’re happy with your account.
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Kind Regards,
Michelle
The card seems fine
The card seems fine, got it without a hitch, not sure about interest rates though, got charged interest in the first couple of months, did get it back, but cant seem to find out if I have interest free credit, which most cards have, should have checked 😳
Have just been intouch Michelle and there is no interest free credit on my account. Grateful for the clarification.
I will be closing this asap, £10 interest this month, 😔
28 July 2026
Reply from Aqua card
Hi Lynne, 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 at your next convenience. The team will have full access to your account and will be happy to help. Thanks, Michelle.
Very easy to use the app cleat and can…
Very easy to use the app cleat and can understand the layout, easy to set up
26 July 2026
Reply from Aqua card
Hi Lisa,
Thank you for your positive review and 5-star rating! It's great to hear you're happy with our app and find it very easy to use 😊
Thanks,
Andy
Reply from Aqua card
Hi Mr Fenton,
We're happy to hear you're enjoying your card and find our interface very user friendly! Thank you for taking the time to leave us a positive review 😊
Thanks,
Andy
Hi it's great having your card it…
Hi it's great having your card it really us there for fnergencys thank you
27 July 2026
Reply from Aqua card
Hi Catherine,
Thank you for your positive review and 5-star rating! We're delighted to hear you're happy with your card 😊
Thanks,
Andy
Reply from Aqua card
Hi Terry,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
Excellent facility
Easy and straight forward transaction and payment service. Friendly customer service staff.
28 July 2026
Reply from Aqua card
Hi P P E Brigden,
Thank you for taking the time to leave us a positive review! It's great to hear that you've had an excellent experience with us, and found everything easy and straight forward. We hope you continue to enjoy our services 😊
Thanks,
Andy
Avoid at all costs
Avoid this sham of a company. Previous complaint finally dealt with then wanting money after 3 weeks of me having the card. Asked them to change the date as I couldn’t pay until pay day: told me this was done - paid 12x more than my payment should of been and received two emails saying I’ve missed and could be charged. Check again today and the date hasn’t moved, and their live chat refuse to help and accuse me of being rude. Stay away, it’s honesty not worth the hassle
4 August 2026
Unprompted review
Reply from Aqua card
Hello Scott,
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 would like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate.
Take care,
Claire
Very simple to use and easy to check…
Very simple to use and easy to check your balance, Helpful text messages and emails keep you updated on payments and fast help whenever you need to contact support.
28 July 2026
Reply from Aqua card
Hi Stuart,
Thank you for taking the time to leave a positive review! We're delighted to hear you've had a good experience with us and hope you continue to enjoy our services 😊
Thanks,
Andy
Reply from Aqua card
Hi David,
Thank you for your positive review and 5-star rating! We're delighted to hear you're very happy with your Aqua card 😊
Thanks,
Andy
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