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
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Review summary
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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
- #106 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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Excellent and difficult
Access to statements and payments has been easy, however I have not been able to access my mobile card and couldn’t use it on holiday as planned. I could not sort the problem while there.
30 July 2026
Reply from Aqua card
Thank you for taking the time to write the above feedback, Yvonne. I'm sorry to read about the troubles you have had, and I appreciate the frustration that this has caused you. 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
Reply from Aqua card
Hi Manole,
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
Score deserved
30 July 2026
Reply from Aqua card
Thank you for choosing us as your card provider - and for leaving us a positive review! Best, Sheona
Quick and easy application process app…
Quick and easy application process app is easy to use and very helpful
30 July 2026
Reply from Aqua card
Thank you for taking the time to leave us a positive review, Simon . We're pleased that you found our application process nice and easy, this is just what we aim for 😊Best, Sheona
Reply from Aqua card
Thanks for sharing your experience, Taras. We're delighted to hear that you're satisfied with your Aqua account😁Best, Sheona
I choose this score because cause when…
I choose this score because cause when I phoned for a inquiry they was very helpful
30 July 2026
Reply from Aqua card
Hi Julie,
We do aim to provide a high level of customer service, so it's great to hear you received this when contacting us. Thank you for taking the time to leave us a positive review and a 5-star rating 😊
Thanks,
Andy
Reply from Aqua card
Good morning Michael,
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.
I can assure you that we're a company that prides ourselves on a high level of professional service, and I apologise if this has not been your experience.
Thank you,
Rob
All the steps so far have been easy and…
All the steps so far have been easy and well explained
30 July 2026
Reply from Aqua card
Hi Colin,
Thank you for taking the time to leave us a positive review. We're pleased you've found everything nice and easy so far, this is just what we aim for 😊
Thanks,
Andy
A little bit high apr
A little bit high apr, but I am trying to re build my credit rating. It's nice to have a backup for an emergency.
30 July 2026
Reply from Aqua card
Hi Morgan, I would like to thank you for your feedback, as we are always working to improve our services. We're glad to learn that we were able to help you build your credit score. Keep up the good work 😊Best, Sheona
Your service is the best
30 July 2026
Reply from Aqua card
Hi Themva,
Thank you for the positive review and 5-star rating! We appreciate it and hope you continue to enjoy our services 😊
Thanks,
Andy
Reply from Aqua card
Hi Abdul,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
Reply from Aqua card
Hi Gina,
Thank you for taking the time to leave us a positive review about our service and for your 5-star rating. We appreciate it! 😊
Thanks,
Andy
Reply from Aqua card
Hi John,
We're happy to hear you're enjoying our app and that you've had a good experience when contacting us for support. Thank you for taking the time to leave us a positive review 😊
Thanks,
Andy
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
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