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Aqua card Reviews 

16,513
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 2,435 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the straightforward application process and the user-friendly mobile app that makes tracking daily spending and managing payments very easy and convenient. Reviewers also appreciate the helpful customer support and the reliable financial service that aids people in building their credit scores effectively over time. However, some people mentioned issues with unexpected interest charges, account limitations, and confusing payment terms that can catch users off guard. Consumers also expressed frustration about not being able to change their monthly statement dates or experiencing slow processing times with account adjustments and refunds.

What people talk about most

User experience

Reviewers highlight positive aspects of user experience, consistently praising the straightforward... See more

Payment

Customers consistently note ambiguous experiences with payment, with many reviewers praising the app's... See more

Service

Clients share positive opinions on service, highlighting reliable, professional, and stress-free experiences.... See more

Product

Consumers find the product to be a very positive and ideal starter card for building credit. Reviewers... See more

Application

Users describe positive interactions with app, highlighting that the platform is simple, clear, and... 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

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

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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Asks customers to review

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4.6

All reviews

(16,513)

2,348 reviews in the last 12 months

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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

Good credit for improving credit score

The application process was easy and stressless. And you can view transaction activities in the user friendly app.

July 27, 2026
Aqua card logo

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.

Rated 4 out of 5 stars

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

July 27, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

Excellent card

July 27, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

Only had to contact customer service…

Only had to contact customer service once but they were extremely helpful

July 27, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

excellent service from application it…

excellent service from application it receiving my card

July 27, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

It is easy to use

It is easy to use

July 26, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

Have just got the card so haven't had…

Have just got the card so haven't had much experience with it yet

July 26, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

Good aspiring

Good aspiring

July 26, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

Everything is so easy from checking…

Everything is so easy from checking your balance to using your card with the Aqua App.

July 26, 2026
Aqua card logo

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.

Rated 5 out of 5 stars

Excellent if I had a problem

Excellent if I had a problem, I would just call them. Excellent credit card hundred out of 100.

July 26, 2026
Aqua card logo

Reply from Aqua card

Hi Paula,

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

Best,

Stephanie.

Rated 5 out of 5 stars

Great service

July 26, 2026
Aqua card logo

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.

Rated 3 out of 5 stars

Nice service

Nice service

July 26, 2026
Aqua card logo

Reply from Aqua card

Hi Sukhchain,

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

Thanks,
Michelle

Rated 4 out of 5 stars

It’s ok but I asked if I could get…

It’s ok but I asked if I could get paper statements but they never sent anything last month

July 25, 2026
Aqua card logo

Reply from Aqua card

Hi Paula, 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. I apologise that this hasn’t been your experience on this occasion. Please be assured that this feedback will be passed on to the relevant team for further review. Thanks, Sheona

Rated 5 out of 5 stars

I’m really happy with aqua they have…

I’m really happy with aqua they have given me a chance to rebuild my credit rating , thank you

July 23, 2026
Aqua card logo

Reply from Aqua card

Hi Mr Copp, 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 😊Best, Sheona

Rated 5 out of 5 stars

Sain

Username problem

July 25, 2026
Aqua card logo

Reply from Aqua card

Hi Ghafoor, 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. Best, Sheona

Rated 1 out of 5 stars

Disappointed

July 25, 2026
Aqua card logo

Reply from Aqua card

Hi Martin, thanks for your feedback. I am very sorry to read that you're dissatisfied with Aqua. This is not the level of service which we aim to provide at all, and please be assured that this feedback will be passed on to the relevant team for further review. Best, Sheona

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