welcome to aqua Classic

We take a closer look at applications and pride ourselves on giving people credit when others won’t.

  • An initial credit limit of £100 - £1,200 and a possible increase after 4 months
  • Managing your credit card responsibly may improve your credit rating. 67% of aqua customers who used their card responsibly, saw their credit score improve after a year with us
  • Up to 51 days interest free credit every month if you pay in full and on time every month
  • Helping build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year
aqua Classic

Representative example:

  • Interest rate for purchases
    32.94% p.a.
  • with a representative
    32.9% APR
  • Assumed credit limit
  • The APR applicable to your account will depend upon our assessment of your application

apply now

Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult.

At aqua we look for
reasons to say “YES!”

As a responsible lender, we take a closer look at applications for credit. Our mission is to help customers who need access to credit and want to start improving their credit rating. An aqua card could be yours even if:

  • Self employed with an irregular income
  • Working part time
  • Full time mum or dad
  • On a lower income
  • New to the country or recently moved home
  • Not on the electoral roll at your current address
  • No credit history
  • You’ve had a County Court Judgment or default (other than in the past 12 months)

aqua understands the needs of people like me. I budgeted each month so I could make regular repayments and they've gradually increased my credit limit as they can see that I am managing my account well.

Lee, aqua customer

aqua – we’ll treat you as an individual

Aqua is issued by one of the UK’s leading specialist credit card providers. We provide credit cards to those customers who are not served by the High Street Banks. Fundamental to our success is the provision of affordable lending with fair and transparent pricing.

  • We are based in the UK with local customer service agents who are happy to help
  • We look at applications for credit carefully and base our decisions on your particular circumstances
  • We can help you improve your credit rating, and as a responsible lender we provide you with tools to help you stay in control of your finances
Mr M Stevens, Kent

I would recommend aqua to a friend, your service has been very good and the people I have been talking to have been friendly.

Mr B Kershaw, Gwent

We promise to help you manage
your credit card balance

So you stay on top of things, and as a responsible lender, we’ll give you a manageable credit limit so your monthly payments are affordable and controllable. And we’re only ever a phone call away if you think you might have problems meeting them. Here’s how we help in other ways:

  • Regular SMS text reminders about your payments and credit balance
  • Flexible payment dates
  • Friendly UK-based customer support line
  • Online balance checking, payment facility and account management
  • Free unlimited access to your credit report with aqua Credit Checker

And by using your aqua credit card responsibly, by making payments on time and staying within your credit limit, we can help you to achieve a better credit rating.

Mr M Stevens, Kent

I would recommend aqua to a friend, your service has been very good and the people I have been talking to have been friendly.

Mr B Kershaw, Gwent

FREE aqua Credit Checker

aqua Credit Checker is a new premium service for all new aqua customers powered by Noddle, the customer credit report experts. With it you’ll enjoy free unlimited access to your credit report, plus a range of personalised tools to help you take control of your credit rating and build a better financial future.

The tools and benefits include:

  • Free unlimited access to your credit report and credit score, updated monthly
  • Personalised and practical tips and advice on how to improve it
  • Weekly alerts showing significant changes to your credit report, helping to prevent identity fraud
  • Access to money-saving vouchers and offers
Mr M Stevens, Kent

I would recommend aqua to a friend, your service has been very good and the people I have been talking to have been friendly.

Mr B Kershaw, Gwent

Mr M Stevens, Kent

The information contained in this table summarises the key details and features of your aqua card.

APR . Representative 32.9% APR (variable)
Other APRs . APRs (Variable) 44.9% & 49.9%
Other Interest Rates Introductory Rate Monthly Rate Annual Rate
Purchases N/A 2.401% or 3.141% or 3.432% 32.94% or 44.93% or 49.91%
Cash Advances N/A 2.840% or 3.717% or 3.992% 39.94% or 54.95% or 59.95%
Balance Transfers N/A 2.401% or 3.141% or 3.432% 32.94% or 44.93% or 49.91%
We may apply the standard interest rate to transactions before the end of the special promotion period if in any month you do not make at least your minimum payment by the payment date or if you exceed your credit limit at any time.
Interest Free Period . Maximum 51 days for purchases if you pay the full balance shown on your previous and current statement on time.
.  There is no interest free period on cash advances or balance transfers. 
Interest Charging
We charge you interest on all transactions from the date we first charge the amount to your account. However, if you pay your total balance in full and on time each month, you will not be charged interest on your purchases. If you do not pay the total balance shown on your statement each month, we will add the interest charges to your next statement balance.
  From Until
Purchases Date debited to your account Paid in full
Cash Advances Date debited to your account Paid in full
Balance Transfers Date debited to your account Paid in full
Allocation Of Payments If you do not pay off your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. See section 2.2 of the terms and conditions for full details.
Minimum Repayment Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5)
Credit Limit
Minimum Credit Limit £100
Maximum Credit Limit Subject to status
Fees No Annual Fee
Cash Advance 3% (minimum £3)
Balance Transfer 3% (minimum £3)
Copy Statement £5
Foreign Usage
Payment scheme exchange rate Indicative rates can be found at www.mastercard.com/global/currencyconversion/index.html
One or more of the following may apply:
Non-Sterling Transaction Fee 2.95%
Cash Fee 3% (£3 minimum)
Default Charges
Late Payment Charge £12
Over Limit Charge £12
Returned Payment Charge £12
Cost of Borrowing
Interest Explained - based on the representative APR for purchases as indicated above
We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay and length of time it will take to clear your balance, as highlighted in the example below.
Illustrative example For a purchase of £1,000 on your credit card...
Monthly Payment Minimum Payment each month £50 each month
Taking into account any introductory rates, how much interest will you be charged in the first year £276.00 £251.00
How much interest will you be charged in the second year? £244.00 £136.00
How long would it take to clear the balance? 19 years, 9 months 2 years, 6 months
The above example assumes the following: The transaction takes place on 1st January and you make no further transactions. You always make the payment each month on the 15th. Your statement is produced 31 days after you make the purchase.