aquacard.co.uk

4.6
4.6 Based on 998 reviews

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....

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Average Rating

4.6

/
5

998 Reviews

5 Star
85%
4 Star
6%
3 Star
2%
2 Star
1%
1 Star
6%

All Reviews

Filter Reviews

Review Time

Alistair C.
Positive experience with my new card so far

I've had my card for a short time, so my feedback is limited. I used it frequently during the holiday season and found it easy to pay off. Additionally, purchases over £100 receive enhanced protection in case of any issues. The application is user-friendly, and setting up direct debits was straightforward, along with various payment options being quite useful. I've already received an offer for a credit limit increase since I started with a lower balance. It integrates well with multiple wallets for NFC and works seamlessly with my online accounts.

4
Date of experience: Jan 21, 2026
SC69
User-friendly app but poor customer service experience

The app is easy to navigate, and the card functions like any standard credit card. However, the service team seems dismissive of their customers. Despite never exceeding my credit limit, I was informed twice about impending interest rate increases, which were only retracted after I raised concerns. More recently, I was told I would receive a higher credit limit due to my account management, but this increase was never applied, and I received no explanation. It was only after contacting them that I learned they had reversed their decision. This leaves me questioning the initial offer. I have other credit cards with lower interest rates from companies that treat their customers better, so I am considering closing my account soon.

2
Date of experience: Dec 16, 2025
TheAndre09
Simple and effective

5
Date of experience: Dec 08, 2025
Harvey Parker
Great support for rebuilding my credit

Having recently completed a debt repayment plan, my credit rating was quite low after four years. The company is assisting me in improving my score; I use their service monthly and pay off the balance in full. Their app is user-friendly and transparent, and they provide regular email updates regarding my balance. Outstanding service.

5
Date of experience: Dec 07, 2025
Posy Brown
Outstanding

Top-notch service when you need it. Thumbs up 👍.

5
Date of experience: Dec 04, 2025
Randi
Great experience overall

Great experience overall.

5
Date of experience: Dec 04, 2025
Erastus Long
I like this service

Best credit card experience 😊.

5
Date of experience: Dec 04, 2025
Adelaide
Not a fan of the interest rate

I'm not a fan of the interest being charged each month.

3
Date of experience: Dec 04, 2025
Bruce Harris
Smooth transfer

Smooth transfer.

5
Date of experience: Dec 04, 2025
BM67
My top choice

I truly enjoy using my card. It's convenient whenever I need it. I hope to see more offers and perks from using my card. Highly recommended!

5
Date of experience: Dec 04, 2025

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Business Details

  • 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.

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  • call 03332202691
  • language https://www.aquacard.co.uk

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