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
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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
- #107 of 168 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
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,
Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊
Best,
Stephanie.
I joined Aqua to improve my credit…
I joined Aqua to improve my credit score. It took a dive as they did a hard credit check. I got it through Experian as "no hard credit checks". Avoid them.
2 August 2026
Reply from Aqua card
Hi Peter,
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.
Best,
Stephanie.
Rubbish customer service
Rubbish customer service, they give wrong information, management always unavailable and they cant call or email client
Absolutely joke
10 August 2026
Unprompted review
Reply from Aqua card
Hi Mohammed,
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.
Best,
Stephanie.
Great service and easy to use app
1 August 2026
Reply from Aqua card
Hi John,
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 😊
Thanks,
Rob
Misunderstanding over PIN…
To start with I was frustrated that you didn't send me my PIN, which meant I couldn't use my credit card. I then realised that I can retrieve my PIN on my App. Since then I have successfully used my card and everything is now working fine
2 August 2026
Reply from Aqua card
Good morning Christopher,
Thank you for taking the time to leave us a kind review, we appreciate it! We hope you continue to enjoy our services.
Thanks,
Rob
Really upset a 80 grandma want a scarf…
Really upset a 80 grandma want a scarf and I get her the card after use 1 week in Portsmouth they block her card the fraud team and is no way to pass security questions as she doesn’t speak well English and after that no money to pay for food a week and after that send picture passport and no fix it awful service really bad bad and this is a review regarding they pass through phone and try to pass and tell them on English
And they came back says no pass security questions and queep complaint as a yer ago stillno accest to a mom 80 years old acount beause even not allowme to pay the balance because shes no pass secutity quetion and no offer a solution and arreras till go up
8 August 2026
Unprompted review
Reply from Aqua card
Hello Rob,
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
Reply from Aqua card
Hi Adam,
Thank you for your 5-star review! We are happy to hear that you are enjoying your card 😊
Regards,
Rob
Reply from Aqua card
Hello Sumanth,
Thank you for taking the time to leave us a positive review!
Regards,
Rob
It's a brilliant card easy to use
It's a brilliant card easy to use
Billing is so easy and convenient
2 August 2026
Reply from Aqua card
Hi David,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Regards,
Rob
Whenever I want to know something…
Whenever I want to know something nothing is too much trouble staff our friendly very helpful and explain everything properly that I want to know very happy with the serve I get
31 July 2026
Reply from Aqua card
We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊Best, Sheona
I was treated kindly
I was treated kindly, professionally and with dignity.
I will recommend anyone else without any hesitation.
4 August 2026
Reply from Aqua card
Thanks for leaving a positive review😁 It's great to hear that you've had a wonderful experience with us. We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Best, Sheona
Reply from Aqua card
Thanks for sharing your experience, George. We're delighted to hear that you're satisfied with your Aqua account😁Best, Sheona
Features are Great ,application…
Features are Great ,application processes are very simple and easy.
1 August 2026
Reply from Aqua card
Hi Uyi, we're happy to read that you are enjoying our app and the features, and that you found our application process nice and easy. This is just what we aim for! Thank you for taking the time to leave us a positive review 😊Best, Sheona
Reply from Aqua card
Hi Moji,
Thank you for leaving a review. We're happy to hear that you've had a positive experience with Aqua.
Best,
Stephanie.
Great service.
Found the app really easy to use, the card works with Apple Pay for convenience too. It’s easy to keep track of spending and payments using the app. All round great experience.
1 August 2026
Reply from Aqua card
Thanks for leaving us a kind review, Matt😁 It's great to hear that you've had a wonderful experience with us. We are happy to hear that you are enjoying your card and that you found our app easy to use. Best, Sheona
Really good and helpful 👍 thank you
1 August 2026
Reply from Aqua card
Good afternoon, Richard. 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, Sheona
I can’t understand why the deduction…
I can’t understand why the deduction doesn’t take place by itself on the date I’ve set for my full statement balance. I’ve set it to 3rd of each month but I always have to make the payments by myself. The account statements come on 13th or 14th of every month. I’m not sure if I should wait till statement because I don’t want to pay interest at any cost. Is there any way the deductions will be made by themselves automatically?
1 August 2026
Reply from Aqua card
Hello Abdul,
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.
Thank you,
Rob
Reply from Aqua card
Good afternoon, Clare. 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, Sheona
Excellent app and smooth experience.
Great credit card with an amazing mobile app. It is very user-friendly, clear, and makes tracking my spending straightforward. Highly recommend for the great digital experience.
1 August 2026
Reply from Aqua card
Hi Chirag, thank you for choosing us as your card provider - and for leaving us a positive review😁 We're happy to read that you are enjoying our app and the features! Best, Sheona
Heafty currency conversion charges…
Heafty currency conversion charges applied to my account after transactions on holiday likely mean I will now stop using Aqua.
1 August 2026
Reply from Aqua card
Good morning Colin,
I'm very sorry to read that you have not had the experience you expected with us. I appreciate the time you have taken to leave us a review.
Please contact us so that we can discuss your concerns in more detail. You can find details on how to contact us via our app or online by going to: Help & Support > Contact Us > Contact Details.
Our contact details will also be shown on any communications received from us.
Regards,
Rob
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