Fluid Reviews 4,378

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the ease of use of the app and the overall service, highlighting the straightforward application process and efficient management of their accounts. Many appreciate the clear communication, timely payment reminders, and the ability to easily track transactions and balances. The customer service is often described as excellent, with many users finding the support helpful and responsive. However, some customers also noted issues with customer service, mentioning unhelpful responses, reliance on chatbots, or a lack of empathy when dealing with complex account problems or account closures. A few people experienced problems with card activation, unexpected account closures, or incorrect interest charges despite stated 0% balance transfer offers.

What people talk about most

User experience

Clients share positive opinions on user experience, highlighting the app's ease of use and straightforward... See more

Payment

Reviewers highlight ambiguous aspects of payment. While some customers praise the ease of making payments,... See more

Application

Users describe positive interactions with the app, highlighting its ease of use and straightforward... See more

Service

People report positive experiences with service. Customers consistently praise the excellent and friendly... See more

Customer service

Customers consistently note positive experiences with customer service, highlighting friendly, helpful, and... See more

Based on these reviews

Rated 4 out of 5 stars

Fluid Credit card is totally Fantastic Easy use with no issues . Great for Building up a furniture Credit Score and the interest rate is very fair I would highly recommend 👍

Company replied

Rated 5 out of 5 stars

Love the easiness of the app, I don’t do technology but the app is so straightforward. Love that you get added discounts on various products. Love how you get handy reminders of when your payment is d... See more

Company replied

Rated 5 out of 5 stars

I've enjoyed my Fluid credit card for a few years now and used it often. I've found it reliable and easy to use. One thing that stands out is that your balance is updated immediately after making a p... See more

Company replied

Rated 5 out of 5 stars

I’ve been using the Fluid credit card for a while in the UK and overall my experience has been good. The application process was straightforward and I was approved quickly even though my credit scor... See more

Company replied


Company details

  1. Non-Bank Financial Service

Written by the company

Fluid is a credit card designed to help you manage existing balances and stay on top of your credit through balance transfers. It’s ideal if you want to bring your borrowing together in one place and help your finances flow more smoothly. You may have access to 0% interest offers, credit score tracking with TransUnion, instalment plans, payment alerts, and offers and discounts. Together, these features could give you more control and help support you in managing your budget. With clear account information and easy-to-use digital tools, it’s easier to understand what you owe and plan ahead with confidence. Representative 39.9% APR (variable). NewDay LTD. Subject to status. 18+. UK only. T&C’s apply. Credit limits and score could increase with responsible account management.

Fluid Card

Written by the company


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

4K reviews

5-star
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Rated 5 out of 5 stars
Fluid logo

Reply from Fluid

Hi Adam, 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, Elan

Rated 3 out of 5 stars

Card is great

Card is great, but am having a few problems with making payments to my card on the banking app....

April 17, 2026
Fluid logo

Reply from Fluid

Hello Beverley. Thank you for your positive review. Please call us on 0333 414 1090 and one of our advisors will be only too happy to help you with this issue. Best, Audrey

Rated 5 out of 5 stars

I had a great experience

I had a great experience

April 18, 2026
Fluid logo

Reply from Fluid

Hello Muhammad. 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 😊Best, Audrey

Rated 5 out of 5 stars

Very good and very easy to use

Very good and very easy to use

April 17, 2026
Fluid logo

Reply from Fluid

Hi Henry, 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 😊 best, Elan

Rated 5 out of 5 stars

Good limit and easy software

Good limit and easy software
Easier to raise a dispute than most credit cards !

April 16, 2026
Fluid logo

Reply from Fluid

Hi Jaz, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan

Rated 5 out of 5 stars

I've had no problems in managing my…

I've had no problems in managing my account & I have already had my first credit limit increase since opening my account & customer service is always friendly & helpful.

April 16, 2026
Fluid logo

Reply from Fluid

Hi Brian, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan

Rated 5 out of 5 stars

I am very happy

I am very happy , easy to set up, and also very quick.

April 16, 2026
Fluid logo

Reply from Fluid

Hi Belkis, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan

Rated 5 out of 5 stars

Fluid card is easy to use so long as u…

Fluid card is easy to use so long as u keep up your payments and control ur spending. Its always a good idea to top up ur account when u can. Its easy to do the apl for Fluid is so easy to use and manage all your payments and transfers.
Excellent.

April 17, 2026
Fluid logo

Reply from Fluid

Hi Thomas, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan

Rated 3 out of 5 stars

Too impersonal system

Telling me what to pay not my normal payment but an enhanced amount

April 16, 2026
Fluid logo

Reply from Fluid

Hi John, 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. Thanks, Michelle.

Rated 5 out of 5 stars

Good good good

April 16, 2026
Fluid logo

Reply from Fluid

Hi Goran, thank you for choosing us as your card provider. We're pleased to have you as our customer 😊 Thanks, Michelle.

Rated 5 out of 5 stars

I like my fluid card …

I like my fluid credit card because they don't forget to take the time to ask about me.
The other thing is easy you can use your card world wide.

April 16, 2026
Fluid logo

Reply from Fluid

Hi Ray, thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 Thanks, Michelle.

Rated 5 out of 5 stars

Great card

Easy to follow keep you informed. Very happy

April 16, 2026
Fluid logo

Reply from Fluid

Hi Angela, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊best, Elan

Rated 5 out of 5 stars

Fluid is a great choice for a credit…

Fluid is a great choice for a credit card. Great rates, great App, keeps you informed of spending. An excellent service.

April 15, 2026
Fluid logo

Reply from Fluid

Hi Katrina,

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

Easy use by card

April 14, 2026
Fluid logo

Reply from Fluid

Hello Kinjal. Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊Best, Audrey

Rated 5 out of 5 stars

Straight forward

Straight forward, forward thinking company.

April 14, 2026
Fluid logo

Reply from Fluid

Hi Peter,

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 😊

Best,

Stephanie.

Rated 1 out of 5 stars

I signed up for the account

I signed up for the account, have the card but never been able to use it. Password etc never worked. I'm paying £4 a month for nothing and can't find a way to contact you.

April 11, 2026
Fluid logo

Reply from Fluid

Hi Lyn, I'm sorry to hear this. Please give us a call on 0333 414 1090 and our team will be able to help with this. Thanks, Michelle.

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