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Aqua card Reviews 

16,624
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. #110 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

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

(16,624)

2,196 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 1 out of 5 stars

New customer who took a card based on…

New customer who took a card based on 0% interest however this was removed due to me going slightly over my balance and even though I paid the difference back immediately I am now having to pay interest on the card.
Aqua are the worst providers I have used and once ive paid off the balance I will be cancelling

31 August 2026
Rated 5 out of 5 stars

Fantastic way to build your credit score !!

Only had an account with Aqua for about 4 months already had a positive affect on my credit score would 100% recommend!!great app on your phone to keep track of your card and reminders of payments and how much well in advance.

30 August 2026
Aqua card logo

Reply from Aqua card

Hi,

Thank you so much for the lovely review! We're glad to learn that we were able to help you build your credit score. Keep up the good work 😊

Thanks,

Rob

Rated 5 out of 5 stars

Good to use.

30 August 2026
Aqua card logo

Reply from Aqua card

Hi Ebrahim,

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

Best,

Rob

Rated 5 out of 5 stars

Great company and card

Great company and card, extremely helpful

30 August 2026
Aqua card logo

Reply from Aqua card

Hello Terry,

Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊

Best,

Rob

Rated 1 out of 5 stars

I only got it and activated it now…

I only got it and activated it now ….what reviews do you expect with no experience

4 September 2026
Aqua card logo

Reply from Aqua card

Thank you for choosing us as your card provider. 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. Thanks, Michelle.

Rated 5 out of 5 stars

Great company

Excellent company easy to deal with would highly recommend

29 August 2026
Aqua card logo

Reply from Aqua card

Hi Dan,

Thanks for sharing your experience. We're delighted to hear that you're satisfied with your Aqua account😁

Regards, Sheona

Rated 5 out of 5 stars

Excellent Company

29 August 2026
Aqua card logo

Reply from Aqua card

Hi Mark,

Thank you for your 5-star review! It's great to hear that you've had a wonderful experience with us 😁

Regards,
Sheona

Rated 5 out of 5 stars

I love my aqua card.its easy to use.its…

I love my aqua card.its easy to use.its eady to get any information u need about my card.i.m kept informed about things they want me to know and it's easy yo pay off the bill.

26 August 2026
Aqua card logo

Reply from Aqua card

Thank you for leaving a lovely review, Beverley! We're so happy to hear that you've had a positive experience with Aqua 😊

Kind regards, Julia

Rated 5 out of 5 stars

Good

Good service

28 August 2026
Aqua card logo

Reply from Aqua card

Thank you for choosing us as your card provider, Madsar - and for leaving us a positive review!

Kind regards, Julia.

Rated 5 out of 5 stars

amazing and friendly specially his…

amazing and friendly specially his credit limit.

3 September 2026
Aqua card logo

Reply from Aqua card

Thanks for giving us a nice review, Muhammad. We're super happy to hear that you're impressed with your Aqua account and credit limit 😊

Kind regards, Julia.

Rated 5 out of 5 stars

Excellent customer service and…

Excellent customer service and professional service that meets my needs

3 September 2026
Aqua card logo

Reply from Aqua card

Thanks so much for leaving a positive review. We're happy to hear that you've had an excellent experience with Aqua.

Kind regards, Julia

Rated 5 out of 5 stars

All good never any trouble if I have a…

All good never any trouble if I have a question

3 September 2026
Aqua card logo

Reply from Aqua card

Thank you for your 5-star review, David! We do aim to provide a high level of customer service, so it's great to hear that you've received this 😊

Kind regards, Julia

Rated 5 out of 5 stars

Easy to use app and get regular…

Easy to use app and get regular messages.

28 August 2026
Aqua card logo

Reply from Aqua card

Hi Mark,

Thank you so much for your review! It's great to hear that you're finding our app and its features easy to use 😊

Kind regards, Julia

Rated 5 out of 5 stars

Good service

Good service

28 August 2026
Aqua card logo

Reply from Aqua card

Thank you for taking the time to leave a positive review, Linda! We're delighted to hear that you've had a good experience with us 😊

Kind regards, Julia

Rated 5 out of 5 stars

Is been good

Is been good

3 September 2026
Aqua card logo

Reply from Aqua card

Good evening,

Thank you for your positive review and 5-star rating! 😊

Thanks,
Andy

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