# Fluid card — user reviews > 117 indexed App Store user reviews of Fluid card by NewDay Ltd, rated 4.60/5 from 21 ratings. - Source: https://appshunter.io/ios/app/fluid-card/id1364730352/reviews - App overview in markdown: https://appshunter.io/ios/app/fluid-card/id1364730352.md - Rating breakdown: 5★ 17 · 4★ 2 · 3★ 1 · 2★ 0 · 1★ 1 ## What do users think of Fluid card? Overall sentiment: mixed **Pros** - 👍 Easy to use app and interface - 💳 Simple payment process - 🔒 Good security features - 📱 Well-designed app layout - 💰 Flexible credit options - 🎯 Clear transaction tracking - ⭐ Responsive customer service - 🚀 Fast payment processing - 📊 Transparent statements - 🔄 Balance transfer options **Cons** - 🐛 Frequent app crashes and errors - 🔐 Login issues and access problems - 💸 High interest rates - ⚠️ Payment processing failures - 📉 Poor credit limit decisions - 🚫 Inconsistent standing order functionality - 😤 Unresponsive customer service - 💔 Unfair fee structure - 🔴 App update problems - 📱 Device compatibility issues **Commonly reported bugs** - App won't open or load - Login fails with 'something went wrong' error - Face ID authentication not working - Payment recorded but not reflected in account - App times out during login - Standing orders not executing - App crashes after updates - iPhone 7 compatibility issues - Payment decline without clear reason - Frozen card button disappears from interface - OTP not being sent for login verification **Most requested features** - Save debit card details for future payments - Display payment due date prominently - Show interest breakdown in app - Alternative login method (passcode option) - Better balance transfer functionality - More 0% balance transfer offers for existing customers - PIN retrieval option in app - Clear information on charges and payment dates - Improved standing order management ## Newest reviews (10 of 117) ### 5/5 — Best card *2025-07-21, version 2025.28.1* Great card, easy application and a delight to deal with the team ### 5/5 — Easy to use *2025-05-31, version 2025.21.1* Great for paying when something goes wrong and great for unexpected purchases ### 5/5 — Brilliant Service *2025-05-14, version 2025.18.2* Brilliant card great website , so so easy to usev ### 5/5 — Review *2025-04-17, version 2025.15.1* Fluid is the best ever ### 5/5 — Great company *2025-04-04, version 2025.14.3* I gave these people a 5 star as they were so polite and helpful to deal with helped me out when I needed it, would recommend to anyone looking for a credit card with flexible loans Diane Harris customer ### 2/5 — App not working *2025-03-31, version 2025.13.3* Since the recent updates by New Day their apps won’t open. I’m using Face ID on iPhone & it just says there’s a problem & gives no alternative log in option. Please fix this ### 1/5 — DONT UPDATE THE APP, March 2025 app update BUGGED!! *2025-03-28, version 2025.13.3* Done the new update now have absolutely no access to my account and payment due soon, keep getting an error message with “sorry something went wrong please try again “ click ok, try Face ID again still doesn’t work and won’t let me try to put my passcode in this needs fixing it’s been 3 days now!! ### 5/5 — Brilliant *2025-03-28, version 2025.13.3* Brilliant credit card thank you ### 1/5 — Recent update *2025-03-28, version 2025.13.3* The app isn’t letting me log in ### 2/5 — Unable to log in for over a day!!! *2025-03-27, version 2025.13.3* Not been able to log in now for over a day! Wanting to pay my card off but can’t! Not good! ## Most critical reviews (10 lowest-rated) ### 1/5 — Muhammad khan *2026-04-17, version 2026.16.3* Every time i am opening it it become errors .. its a headace for me now ### 1/5 — Bad *2026-01-08* I had a payment due on the 31st December. Paid in full on the 27th. App records payment…but does not update. The app asks me to pay again the due monthly payment….the one I literally just paid. Then I start getting phone calls from fluid telling me I haven’t paid. But I have. The transfer went through before the due date, it’s recorded in the app and it’s recorded at my bank. Now I’m fighting over a bill I already paid. Pretty terrible experience really. **Developer response:** We're really sorry to hear about your experience with this payment. Due to data protection I'm unable to look into this and advise further on what has caused this but would recommend that you get in touch with our friendly Customer Service Team, so we can investigate this for you. You can reach them on: 0333 414 1090 - Steve ### 1/5 — Doesn’t work with iPhone 7 *2025-09-09, version 2025.36.1* Application error: a client-side exception has occurred (see the browser console for more information). Just keep getting the above error message. ### 1/5 — Joke *2025-06-07, version 2025.23.1* No information on charges when/if to be paid so no clear information! Getting binned off asap! ### 1/5 — App not working again *2025-05-07, version 2025.18.2* Every time they update this app it causes issues!!! ### 1/5 — Waste off time *2025-05-07, version 2025.18.2* Tried doing a balance transfer, blocked. Phoned and wouldn’t do it. Saying cards not in my name and address when they are. Feels like a scam credit score knocked ### 1/5 — Horrible company *2025-04-22, version 2025.16.1* Horrible company who doesn’t listen to customers and treat them like a nobody ### 1/5 — Credit increased *2025-04-19* I’ve been with Fluid for a very long time and I’m disappointed with how things are going. I’ve been trying to get a credit limit increase for quite a while, but I keep getting rejected. What’s frustrating is that I have other credit cards, and all of them have increased my limit over time some even without me asking. Fluid is the only one that hasn’t, and I’d really like to understand why. Also, the latest app update has made things worse. I keep getting logged out for no reason, and the only way to fix it is by deleting and reinstalling the app. It’s really annoying and not what I expect from a company I’ve been loyal to. Please fix these issues and give some clarity about the credit limit decisions. **Developer response:** Hi, as a responsible lender, we must ensure that your credit limit is suitable for you. If you would like to discuss this further, please contact us on: 0333 414 1090. With the app issues, please try clearing cache and cookies on your device and/or updating your devices' software to see if that helps remedy the issues you've been facing. Our Customer Service team can also assist further with this - Steve ### 1/5 — Can’t log in since update *2025-03-31, version 2025.13.3* Updated app, now keeps saying something went wrong, no have no access to my account with payment due please fix soon! ### 1/5 — No access *2025-03-30, version 2025.13.3* The recent update has stopped all access via the app, which has left me no access to my account don’t have a card and I don’t know the account number! ## Most praised reviews (10 highest-rated) ### 5/5 — Exceptional *2026-07-26, version 2026.29.3* Fluid have been excellent in helping me manage my finances ### 5/5 — A Credit Card You Can Rely On *2026-07-08* My Review: I’ve had a great experience with the Fluid Card. What I appreciate most is that they believed in me and gave me the opportunity to build my credit. As a responsible cardholder, I’ve always managed my account carefully, and the flexibility the card offers has been excellent. The card is widely accepted wherever I travel, making it convenient to use both in the UK and abroad. The app is easy to use, payments are straightforward, and overall the service has been reliable. Thank you, Fluid, for trusting me, and after building credibility this is the second time of increase. I highly recommend this card to anyone looking for a flexible and dependable credit card. **Developer response:** Thank you for sharing your positive experience with the card! We're thrilled to hear that you find the card widely accepted and the app easy to use. We appreciate your recommendation and will pass your feedback along to the team - Steve ### 5/5 — Excellent company! *2026-07-01, version 2026.27.1* Brilliant service. 5 stars!! ### 5/5 — Anonymous user *2026-05-05, version 2026.19.1* Fantastic credit provider ### 5/5 — My credit limit *2026-04-01, version 2026.14.1* A very good approach , very Exellent ### 5/5 — Fuss free *2026-02-06, version 2026.6.1* Got this to transfer balances to, its everything you want, easy to get on with, safe and the app is great. ### 5/5 — Great card *2026-01-16, version 2026.3.1* From day one this has been an excellent card and company. Lots of offers on 0% balance transfers. Very pleased. ### 5/5 — Scunny *2025-12-03, version 2025.48.1* So easy to use the app great in fact feel safe every time ### 5/5 — Mr *2025-11-19, version 2025.46.1* Sami ### 5/5 — I just wanted to say Thank you😌 *2025-09-27, version 2025.39.1* Thx --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*