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Aqua card Reviews 

16,522
TrustScore 4.5 out of 5

4.6

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

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Review summary

Created with AI, based on recent reviews

Considering 2,435 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the straightforward application process and the user-friendly mobile app that makes tracking daily spending and managing payments very easy and convenient. Reviewers also appreciate the helpful customer support and the reliable financial service that aids people in building their credit scores effectively over time. However, some people mentioned issues with unexpected interest charges, account limitations, and confusing payment terms that can catch users off guard. Consumers also expressed frustration about not being able to change their monthly statement dates or experiencing slow processing times with account adjustments and refunds.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, consistently praising the straightforward... See more

Payment

Customers consistently note ambiguous experiences with payment, with many reviewers praising the app's... See more

Service

Clients share positive opinions on service, highlighting reliable, professional, and stress-free experiences.... See more

Product

Consumers find the product to be a very positive and ideal starter card for building credit. Reviewers... See more

Application

Users describe positive interactions with app, highlighting that the platform is simple, clear, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Company replied


Company details

  1. #107 of 169 best companies in Non-bank financial service

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

4.6

Excellent

TrustScore 4.5 out of 5

17k reviews

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4.6

All reviews

(16,522)

2,355 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Everything is so easy from checking…

Everything is so easy from checking your balance to using your card with the Aqua App.

26 July 2026
Aqua card logo

Reply from Aqua card

Hi Patti,

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 😊

Best,

Stephanie.

Rated 5 out of 5 stars

Excellent if I had a problem

Excellent if I had a problem, I would just call them. Excellent credit card hundred out of 100.

26 July 2026
Aqua card logo

Reply from Aqua card

Hi Paula,

Thank you for choosing us as your card provider - and for leaving us a positive review!

Best,

Stephanie.

Rated 5 out of 5 stars

Great service

26 July 2026
Aqua card logo

Reply from Aqua card

Hi Christina,

Thanks for leaving a review. It's great to hear that you've had a wonderful experience with us.

Best,

Stephanie.

Rated 3 out of 5 stars

Nice service

Nice service

26 July 2026
Aqua card logo

Reply from Aqua card

Hi Sukhchain,

Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊

Thanks,
Michelle

Rated 4 out of 5 stars

It’s ok but I asked if I could get…

It’s ok but I asked if I could get paper statements but they never sent anything last month

25 July 2026
Aqua card logo

Reply from Aqua card

Hi Paula, 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. I apologise that this hasn’t been your experience on this occasion. Please be assured that this feedback will be passed on to the relevant team for further review. Thanks, Sheona

Rated 5 out of 5 stars

I’m really happy with aqua they have…

I’m really happy with aqua they have given me a chance to rebuild my credit rating , thank you

23 July 2026
Aqua card logo

Reply from Aqua card

Hi Mr Copp, thank you so much for the lovely review! We're glad to learn that we were able to help you build your credit score. Keep up the good work 😊Best, Sheona

Rated 5 out of 5 stars

Sain

Username problem

25 July 2026
Aqua card logo

Reply from Aqua card

Hi Ghafoor, thank you for taking the time to leave us a review. I would like to thank you for your feedback as we are always working to improve and develop our services. Best, Sheona

Rated 1 out of 5 stars

Disappointed

25 July 2026
Aqua card logo

Reply from Aqua card

Hi Martin, thanks for your feedback. I am very sorry to read that you're dissatisfied with Aqua. This is not the level of service which we aim to provide at all, and please be assured that this feedback will be passed on to the relevant team for further review. Best, Sheona

Rated 5 out of 5 stars

AQUA CARD


I’ve had a really positive experience using my Aqua credit card. The app is easy to use, making it simple to keep track of my spending, payments and available balance. Payments are processed quickly, and everything is presented clearly, so there’s never any confusion.
The customer service has always been friendly, professional and helpful whenever I’ve needed assistance. It’s also been a great way to build and maintain my credit rating through responsible use. Overall, Aqua offers a straightforward, reliable service with excellent support. I’d happily recommend them to anyone looking for a credit card provider that delivers a great customer experience.

25 July 2026
Aqua card logo

Reply from Aqua card

Hi Andrew, 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 😊We hope you continue to enjoy our services. Best, Sheona

Rated 5 out of 5 stars

I travelled abroad

I travelled abroad, and no extra charges for converting currency, seamless

30 July 2026
Aqua card logo

Reply from Aqua card

Hi Malcolm,

Thank you for choosing us as your card provider - and for leaving a positive review. We're happy to hear you're enjoying your card! 😊

Thanks,
Andy

Rated 5 out of 5 stars

Aqua card has provided me with a…

Aqua card has provided me with a lifeline 🫶
From the app, to the card, to customer service 10/10

24 July 2026
Aqua card logo

Reply from Aqua card

Hi Daniel,

Thank you for leaving a 5-star review! We're delighted to hear you've had a good experience with us and hope you continue to enjoy our services 😊

Thanks,
Andy

Rated 4 out of 5 stars

Easy to use and quick to get sorted

Easy to use and quick to get sorted

24 July 2026
Aqua card logo

Reply from Aqua card

Hi Mr Jackson,

Thank you for taking the time to leave us a kind review! We're delighted to hear that you've had a good experience with us and hope you continue to enjoy our services 😊

Thanks,
Andy

Rated 5 out of 5 stars

Easy

I’ve had no problems with Aqua.

23 July 2026
Aqua card logo

Reply from Aqua card

Thank you for leaving a review Jackie 😊 We're happy to hear that you've had a positive experience with Aqua. Thanks Sheona

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