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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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
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
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
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Company details
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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I've had a decent overall experience…
I've had a decent overall experience with Aqua. They froze my card and issued a new one fairly quickly when somehow I was a victim of fraud (to this day I have no idea how as I'm very careful).
The app is easy to use and they have decent credit limits which keep increasing for me. The only real issue I had is that my card completely stopped working for no reason so I assumed it must have developed a fault as there was no account flags or freeze this time.
Luckily it was quite easy to order a replacement which arrived within a week or so.
It was also relatively easy to regain access to my account after my phone was broken including the SIM (meaning I couldn't verify from my mobile any longer) and the security / having to call a customer service line wasn't too bad.
They've also successfully refunded a couple of disputed transactions with relative ease as well.
I'll be keeping my Aqua card and account for the foreseeable future.
August 15, 2026
Unprompted review
Reply from Aqua card
Hi Benjamin,
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,
Stephanie.
Easy to set up with straight forward…
Easy to set up with straight forward direct debit option.
August 7, 2026
Reply from Aqua card
Hi John,
Thank you for choosing us as your card provider - and for leaving us a positive review! We're pleased that you found our application process nice and easy, this is just what we aim for 😊
Kind Regards,
Michelle
Good service
August 8, 2026
Reply from Aqua card
Hi Bolade,
Thank you for your 5-star review!
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
Great experience.
August 8, 2026
Reply from Aqua card
Hi Jacob,
Thank you for your 5-star review! 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.
Thanks,
Michelle
Very useful credit card competitive…
Very useful credit card competitive rates when compared with others great for occasional use
August 8, 2026
Reply from Aqua card
Hi Kenneth,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Kind Regards,
Michelle
Easy to apply for quick and simple …
Easy to apply for quick and simple mins app easy to navigate
August 8, 2026
Reply from Aqua card
Hi Mr Clarke,
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 😊
Kind Regards,
Michelle
Excellent experience with Aqua mobile…
Excellent experience with Aqua mobile app in all transactions and payments.
Seemless navigation!!
August 7, 2026
Reply from Aqua card
Hi John,
It's great to hear that you've had an excellent experience with our app. We really appreciate you taking the time to leave a positive review. 😊
Kind regards, Julia
Best credit card i have seen aqua is…
Best credit card i have seen aqua is one of the best credit cards approved by aqua and approvals rate is so high download and check your credit thank you.
August 7, 2026
Reply from Aqua card
Thank you so much for your positive review. We're really happy to hear that you are enjoying your card 😊
Kind regards, Julia
The way the bill payment comes out is…
The way the bill payment comes out is too random and the methods of getting any information is ridiculously complex and not user friendly at all
August 7, 2026
Reply from Aqua card
Hi,
Thank you for your review. I'm sorry to hear that you're dissatisfied with the payment options and complexity of finding information within your account. We would 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.
Kind regards, Julia
Reply from Aqua card
Hi Ali,
Thank you for choosing us as your card provider and for leaving a positive review! We're happy to hear you've have found everything nice and easy to use - this is just what we aim for 😊
Thanks,
Andy
Reply from Aqua card
Hi Kapil,
Thank you for choosing us as your card provider - and for leaving us a positive review! 😊
Thanks,
Andy
It offers good credit limits if you spend more.
My experience is great to have this card . It is very easy and simple to use and get wonderful credit limit
Thank you so much aqua
August 14, 2026
Unprompted review
Reply from Aqua card
Hi Rosyben,
Thank you for taking the time to leave us a positive review! We're delighted to hear you're enjoying your card and have had a great experience with us 😊
Thanks,
Andy
Reply from Aqua card
Hi Peter, thank you for choosing us as your card provider - and for leaving us a positive review😁 Thanks, Sheona
Easy application really good app can't…
Easy application really good app can't fault them
August 6, 2026
Reply from Aqua card
Hi Steven, 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
Excellent experience of Aqua Card!
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, once everything is approved, you can get an Aqua Credit Card with all the details in the Aqua App, ready to use instantly and for Apple or Google Pay as well. After a few days, the physical card will be delivered to your wallet. Communication between the Aqua Card customer and Aqua Card is very reliable via email and SMS notifications. So, pleased to have it. Thank you, Aqua Card.
August 6, 2026
Reply from Aqua card
Hi Khalid,
Thank you so much for your lovely review and the 5-star rating! We’re a card that says yes to helping you build your credit score when used responsibly - so it is great to hear that we have helped you build yours.
And we're happy to read that you are enjoying our app and the features 😊
Best,
Rob
Amazing credit limit went up with 2…
Amazing credit limit went up with 2 weeks no problems at all
August 6, 2026
Reply from Aqua card
Hello Hayley,
Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊
Best,
Rob
Reply from Aqua card
Hi,
Thank you for taking the time to leave us a positive review!
Best,
Rob
Good card to get and easy to manage
Good card to get and easy to manage. Haven’t had it long enough to say if it does affect your credit score
August 6, 2026
Reply from Aqua card
Hello John,
Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊
Best,
Rob
Very nice 🙂 credit card
Very nice 🙂 credit card
£900 limit I'm using Best Aqua credit card
Simple 😊
I am very Happy I am request 😊 give me More limit next time
5 Star ⭐⭐⭐⭐⭐ Aqua credit card
Thanks
August 6, 2026
Reply from Aqua card
Good morning Najib,
Thank you for your 5-star review! We are happy to hear that you are enjoying your card 😊
Best,
Rob
Very pleased with the credit card I…
Very pleased with the credit card I received, we'll done Aqua, having my garden landscaped , this card really has helped me out
August 6, 2026
Reply from Aqua card
Hi Derren,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Regards,
Rob
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