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
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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 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
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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Very good card, but cannot change my statement day.
Very good card, they gave me a CLI 2 months in of getting the card from £600 to £1,850. However, I'm disappointed to learn that i CANNOT change my statement date. I always have high utilisation on my card because i like using it, and it's basically my main card, because my statement date is the first of every month and i get PAID on the 13th, so as a reasonable person - i called up asking if i can, they said no. This makes me look desperate as i am now going through high utilisation, despite paying back like 90-95 percent of the balance every month. I was able to change my dates on all my other cards, but the lady at aqua said no. As i want to apply for a mortgage in the next year, and reporting high usage is bad for getting a mortgage. Unfortunately, i may close my card if i am unable to change my dates, and make JAJA my main card..
4 August 2026
Unprompted review
Reply from Aqua card
Hi Reece,
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, and customer experience is at the heart of this.
Best,
Stephanie.
Please I would love to regain my old…
Please I would love to regain my old account . I don’t have my reference number and my account number anymore .
4 August 2026
Unprompted review
Reply from Aqua card
Hi,
Thank you for your 5-star review! 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.
Best,
Stephanie.
Nothing is clear...
Nothing is clear.... I will repay the loan and will no longer use this company, a huge interest is charged for any transfer of money. Disgusting
4 August 2026
Unprompted review
Reply from Aqua card
Hi Natalja,
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. The interest rate on your card is given after full credit checks are performed, and it set to what we feel is appropriate at the time.
We do check accounts on a regular basis and if we feel a lower interest rate would be acceptable, we will let you know right away at the time. Unfortunately, we’re unable to decrease this by request and I apologise for any inconvenience. If you have any questions or concerns, please don’t hesitate to get in touch with our Customer Service team.
Best,
Stephanie.
Reply from Aqua card
Hi Janowski,
Thank you for leaving a review. We're happy to hear that you've had a positive experience with Aqua.
Best,
Stephanie.
I closed the account on 29/05/26
If I could I wouldn’t leave any stars enough said
29 May 2026
Unprompted review
Reply from Aqua card
Hello Neal,
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,
Thanks for leaving a review. It's great to hear that you've had a wonderful experience with us.
Best,
Stephanie.
Good credit for improving credit score
The application process was easy and stressless. And you can view transaction activities in the user friendly app.
27 July 2026
Reply from Aqua card
Hi Lucy,
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.
It was easier to purchicewhat i wanted
It was easier to purchicewhat i wanted, and it also helps me a lot ,thank you to Aqua for the chance to reclaim my credit back
27 July 2026
Reply from Aqua card
Hi Harry,
Thank you for taking the time to leave us a review. We're excited to have you on board 😊
Best,
Stephanie.
Excellent card
27 July 2026
Reply from Aqua card
Hi Anudeep,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Best,
Stephanie.
Only had to contact customer service…
Only had to contact customer service once but they were extremely helpful
27 July 2026
Reply from Aqua card
Hi Jennifer,
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,
Stephanie.
Reply from Aqua card
Hi Ricardo,
Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊
Best,
Stephanie.
excellent service from application it…
excellent service from application it receiving my card
27 July 2026
Reply from Aqua card
Hi Mrs Kettle,
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 😊
Best,
Stephanie.
Reply from Aqua card
Hi Sylvia,
Thank you for taking the time to leave us a review. We're excited to have you on board 😊
Best,
Stephanie.
Reply from Aqua card
Hi Yessenia,
Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊
Best,
Stephanie.
Have just got the card so haven't had…
Have just got the card so haven't had much experience with it yet
26 July 2026
Reply from Aqua card
Hi Margo,
Thank you for choosing us as your card provider - and for leaving us a positive review! When you do get round to using your card, 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.
Best,
Stephanie.
Reply from Aqua card
Hi Priteshkumar,
Thank you for leaving a review. We're happy to hear that you've had a positive experience with Aqua.
Best,
Stephanie.
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
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.
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
Reply from Aqua card
Hi Paula,
Thank you for choosing us as your card provider - and for leaving us a positive review!
Best,
Stephanie.
Great service
26 July 2026
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.
A very good credit card 💳 handy for…
A very good credit card 💳 handy for food shopping and clothes
26 July 2026
Reply from Aqua card
Hi Derrick,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Kind Regards,
Michelle
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