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Aqua card Reviews 

16,589
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

Evaluating 2,409 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the mobile application is very simple to use and makes managing accounts, checking balances, and tracking daily spending completely effortless. People also appreciate the straightforward application process, noting how beneficial the card is for safely building credit histories. However, some people mentioned frustrations with unexpected interest charges pushing them over their authorized credit limits. Consumers also experienced difficulties regarding inflexibility with statement schedules, making it challenging to arrange automatic payments or adjust billing dates. Reviewers additionally noted challenges with payment processing delays and difficulties receiving timely refunds for overpayments.

What people talk about most

User experience

Customers had positive experiences with user experience, highlighting that the application is simple, clear,... See more

Payment

Reviewers mention ambiguous feedback about payment, highlighting both convenient plan features and... See more

Service

Reviewers highlight positive aspects of service, describing it as reliable, professional, and stress-free.... See more

Application

Users describe positive interactions with app, frequently highlighting its simple layout, convenience, and... See more

Product

Consumers find the product to be highly satisfactory, frequently praising its ease of use and ability to... 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

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... See more

Company replied

Rated 5 out of 5 stars

I joined aqua to increase my credit score Within 3 months aqua increased my credit by over double With me using it correctly and continually paying off my balance

Company replied

Rated 5 out of 5 stars

Great company not had a problem so far just like Zable very helpful handy and fits your needs New day/lendable help you build your credit score within reason

Company replied


Company details

  1. 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-star
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1-star

Asks customers to review

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4.6

All reviews

(16,589)

2,160 reviews in the last 12 months

Write a review
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

5 stars

Great all round experience

August 14, 2026
Aqua card logo

Reply from Aqua card

Hi Elli,

Thank you for choosing us as your card provider - and for leaving us a positive review! We hope you enjoy our services 😊

Kind Regards,
Michelle

Rated 5 out of 5 stars

It’s the best card I have ever used for…

It’s the best card I have ever used for the last 7 years in the uk I have had 3 different cards before aqua the best decision ever and the payment acceptance and repayments way faster than you compare to any other card in the uk keep up aqua

August 14, 2026
Aqua card logo

Reply from Aqua card

Hi Weranjan,

Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊

Kind Regards,
Michelle

Rated 5 out of 5 stars

Aqua is very helpful for my financial…

Aqua is very helpful for my financial support and very good customer experience,I love to use every day with
With aqua
Thankyou aqua

August 14, 2026
Aqua card logo

Reply from Aqua card

Hi Rajendhar,

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 😊

Kind Regards,
Michelle

Rated 5 out of 5 stars

I have good experience with aqua

I have good experience with aqua

August 20, 2026
Aqua card logo

Reply from Aqua card

Hi Shubham,

Thank you for taking the time to leave us a kind review, we appreciate it!

We hope you continue to enjoy our services.

Kind Regards,
Michelle

Rated 4 out of 5 stars

I think the card works good for…

I think the card works good for improving your credit score and also gives you spread the cost options as well.

August 20, 2026
Aqua card logo

Reply from Aqua card

Hi Ali,

Thank you for your positive review. It's great to hear that we are helping you build your credit score. Keep up the good work 😊

Kind regards, Julia

Rated 5 out of 5 stars

Great Card

Great Card, from Ease of use to Interesting features it more than provides everything I need.

August 20, 2026
Aqua card logo

Reply from Aqua card

Thank you so much for your review, Stuart. We're pleased to hear that you're enjoying your card and its features 😊

Kind regards, Julia

Rated 5 out of 5 stars

Very good service experience very good

Very good service experience very good

August 13, 2026
Aqua card logo

Reply from Aqua card

Hello Susan,

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 😊

Thanks,

Rob

Rated 5 out of 5 stars

Had no problems with this card

Had no problems with this card, easy to check account on the app. Very good service to it's customers.

August 12, 2026
Aqua card logo

Reply from Aqua card

Hi Eileen,

We're happy to read that you are enjoying your card and also our app and the features! Thank you for taking the time to leave us a positive review 😊

Best,

Rob

Rated 3 out of 5 stars

It ok to have

It ok to have

August 13, 2026
Aqua card logo

Reply from Aqua card

Hi Damion,

I would like to thank you for your feedback, as we are always working to improve our services.

Regards,

Rob

Rated 5 out of 5 stars

Brilliant

Brilliant, easy to use app. Quick easy to process payments and check balance.

August 13, 2026
Aqua card logo

Reply from Aqua card

Hello Sara,

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,

Rob

Rated 1 out of 5 stars

I can not access my account and my…

I can not access my account and my account was cloned and money £900 taken out of it shortly after I paid in £400 please contact me as Thr app is not recognising my details

August 20, 2026
Aqua card logo

Reply from Aqua card

Hello,

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

Rated 5 out of 5 stars

Very professional and easy to get in…

Very professional and easy to get in touch with ! Excellent customer service !

August 9, 2026
Aqua card logo

Reply from Aqua card

Hello D,

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,

Rob

Rated 5 out of 5 stars

An Excellent Card To Have In Your…

An Excellent Card To Have In Your Wallet. It is backed up by Excellent Customer Service as well.
The App Is Easy To Use And Well Set Out. Thank You 🙂

August 12, 2026
Aqua card logo

Reply from Aqua card

Hi John,

Thank you very much for the lovely review. We are happy to hear that you are enjoying your card and our app 😊

Best,

Rob

Rated 5 out of 5 stars

Best

Best 👌 No complaints

August 12, 2026
Aqua card logo

Reply from Aqua card

Hi Krish,

Thank you for taking the time to leave us a positive review!

Best,

Rob

Rated 1 out of 5 stars

Poor call centre

Poor call centre. Being over 60 I asked if the background laughter could be toned down due to hearing problems. The reply. Yes sir I’ll help you with that. And they hung up. Avoid at all costs.

August 19, 2026
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