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About us
NewDay Ltd and NewDay Cards Ltd. are registered with the Office of the Information Commissioner. NewDay Cards Ltd Data Protection Register Number Z5599453 and with the Financial Conduct Authority - NDL 690292 and NCL 682417.
NewDay Ltd is a member of the Finance and Leasing Association (FLA) and subscribes to the FLA's Lending Code.
If you'd like to find out more, please visit newday.co.uk
NewDay Ltd is a member of the Finance and Leasing Association (FLA) and subscribes to the FLA's Lending Code.
If you'd like to find out more, please visit newday.co.uk
NewDay Ltd is a UK-based credit provider. It issues and operates both Mastercards and retailer store cards.NewDay Ltd is registered in England and Wales, number 7297722.
Registered office: 7 Handyside Street, London, N1C 4DA.NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X
VAT Registration Number 100 1745 76For further contact information related to your product, please select "Need more help" after visiting this question.
Registered office: 7 Handyside Street, London, N1C 4DA.NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.NewDay Ltd is registered with the Office of the Information Commissioner – Data Protection Register Entry Number Z272680X
VAT Registration Number 100 1745 76For further contact information related to your product, please select "Need more help" after visiting this question.
Aqua has said YES to over 750,000 customers in the UK. Aqua was launched in 2002 with the aim of helping people who may have been refused credit or overlooked by other credit card companies in the past. Aqua credit cards are designed to be straightforward and could give you the credit you need and can afford.
NewDay Ltd provide credit and store cards for retail partners: Amazon, Debenhams, House of Fraser, Laura Ashley, Topshop, Topman, Burton, Wallis, Miss Selfridge, Evans, Dorothy Perkins, Outfit and TUI. NewDay Ltd's consumer brands include the aqua, marbles, opus and fluid branded range of credit cards.
NewDay also provide Buy Now Pay Later credit for AO and Argos.
NewDay also provide Buy Now Pay Later credit for AO and Argos.
NewDay Ltd is one of the largest UK-based credit card providers, issuing and operating both Mastercards and retailer store cards under a wide range of brands. We provide credit and store cards for a varied group of partners, including Debenhams, House of Fraser, Laura Ashley, Topshop, Topman and Burton. Our consumer brands include the Aqua, marbles and Opus branded range of credit cards.
Aqua is part of NewDay Ltd. NewDay is part of the Finance and Leasing Association (more information at www.fla.org.uk).
NewDay Ltd is regulated by the Financial Conduct Authority, which has replaced the Office of Fair Trading (OFT) as the regulator of consumer credit.
Your Aqua card is issued by NewDay Ltd – one of the UK’s leading credit providers, which gives almost 4 million customers across the UK responsible access to credit.
Applying for a card
Unfortunately we won't be able to accept an application from you if you're unemployed.
You can apply if you
- work part-time or full-time
- are self-employed
- are a homemaker
- have a low income, or
- are a student.
You can check your eligibility to see how likely you are to be accepted without affecting your credit rating.
You can apply if you
- work part-time or full-time
- are self-employed
- are a homemaker
- have a low income, or
- are a student.
You can check your eligibility to see how likely you are to be accepted without affecting your credit rating.
Yes, you can apply, and it doesn't matter if you've been refused credit in the past. We'll take a close look at your situation to see if we can give you the credit you need and can afford. If you're worried about your credit rating, you can check your eligibility before you apply?
You'll find out quickly how likely you are to be accepted for the card without affecting your credit rating.
You'll find out quickly how likely you are to be accepted for the card without affecting your credit rating.
It's quick and easy to apply for an Aqua card, and you can get a response in minutes. Just remember that you must be aged 18 or over and resident in the UK for us to consider your application.
You can check your eligibility first to see your likelihood of being accepted for an Aqua card without affecting your credit rating.
You can check your eligibility first to see your likelihood of being accepted for an Aqua card without affecting your credit rating.
Yes, you can. Applying for an Aqua card and managing it well is a great way to start building your credit rating.
We recommend waiting at least 3 months before applying again. In the meantime, you can see how your credit status is improving by accessing your credit report - visit www.moneyadviceservice.org.uk to find out more.
Before you make another application, you'll be able to check your eligibility to quickly see how likely you are to be approved, without affecting your credit rating.
Before you make another application, you'll be able to check your eligibility to quickly see how likely you are to be approved, without affecting your credit rating.
Before you apply for your card, please make sure you:
- are over 18 with a permanent address in the UK
- haven't been registered bankrupt in the past 18 months
- haven't got any bankruptcy proceedings against you
- have a current UK bank or building society account
- haven't received a county court judgement in the past 12 months
- haven't opened an Aqua card in the past 12 months
- have a UK mobile phone number.
You'll need to know things like your income and your address history.
You can check your eligibility to quickly see if you're likely to be accepted before you apply for {{brand.aOrAn}} Aqua card, without affecting your credit rating.
- are over 18 with a permanent address in the UK
- haven't been registered bankrupt in the past 18 months
- haven't got any bankruptcy proceedings against you
- have a current UK bank or building society account
- haven't received a county court judgement in the past 12 months
- haven't opened an Aqua card in the past 12 months
- have a UK mobile phone number.
You'll need to know things like your income and your address history.
You can check your eligibility to quickly see if you're likely to be accepted before you apply for {{brand.aOrAn}} Aqua card, without affecting your credit rating.
Consent to use your information
When you enter into a credit agreement with us, you explicitly consent to us accessing, processing, and retaining any information you provide to us, for the purposes of providing payment services to you. Please note that this does not affect any rights and obligations you or we have under the Data Protection Act 2018 and you may withdraw this consent by closing your account. If you do this, we will stop using your data for this purpose, but may continue to process your data for other purposes as set out in our Privacy Policy.
Contact us
All account management services are now available through our mobile app and Online Account Manager. If you need to connect with us, the easiest way is to chat with us through your Aqua Mastercard app. Or look at the 'Still Need Help' section below the FAQs for more information. We recommend all customers register for Online Account Manager and download the Aqua Mastercard app.
Further help & support
If you still require support you can contact our customer services on: 0330 838 0181*
*Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open 9am to 7pm Monday to Friday, 9am to 5pm on Saturday and Closed on Sunday. Calls may be recorded and monitored for training and security purposes and to help us manage your account
*Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Our lines are open 9am to 7pm Monday to Friday, 9am to 5pm on Saturday and Closed on Sunday. Calls may be recorded and monitored for training and security purposes and to help us manage your account
Once you’ve been with us for a while, you could get an invitation to apply for an Aqua personal loan. Find out more about personal loans for Aqua customers.
Make a complaint
To make a complaint over the phone, call:
0330 175 6815*
Calls are charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling. Our lines are open six days a week, Monday-Friday: 9am-6pm and Saturday: 9am-4pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.
Write to our Complaints Team at:
Customer Services Department,
NewDay Ltd,
PO BOX 700,
LS99 2BD
Please ensure we have your most up to date contact details, including a daytime telephone number or your mobile number, so that we can contact you to discuss your complaint should we need to do so.
NewDay Ltd is a member of the Finance and Leasing Association (FLA) and is bound by their Lending Code. Copies of the FLA’s Lending Code can be obtained from www.fla.org.uk. Our promiseWhen we receive your complaint, we promise to:
If you haven’t received a reply from us within the timescale we promised, or if you’ve received it and you’re still unhappy, you have the right to refer your complaint to the Financial Ombudsman Service. You have six months from the date of our final response or from the deadline when you should have received it to do this.
Please see timescales below:
Financial Ombudsman Service,
Exchange Tower
London, E14 9SR0800 0 234 567 free for people phoning from a ‘fixed line’ (for example, a landline at home) or 0300 123 9 123 free for mobile phone users who pay a monthly charge for calls to numbers starting with 01 or 2 number cost no more than calls to 01 and 02 numbers.Further details about the Financial Ombudsman Service will be given with our final decision letter.
0330 175 6815*
Calls are charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling. Our lines are open six days a week, Monday-Friday: 9am-6pm and Saturday: 9am-4pm. Calls may be recorded or monitored for training and security purposes and to help us manage your account.
Write to our Complaints Team at:
Customer Services Department,
NewDay Ltd,
PO BOX 700,
LS99 2BD
Please ensure we have your most up to date contact details, including a daytime telephone number or your mobile number, so that we can contact you to discuss your complaint should we need to do so.
NewDay Ltd is a member of the Finance and Leasing Association (FLA) and is bound by their Lending Code. Copies of the FLA’s Lending Code can be obtained from www.fla.org.uk. Our promiseWhen we receive your complaint, we promise to:
- Update you regularly about your complaint (please make sure we have your most up-to-date mobile number so we can do this)
- Let you know within five days that we’ve received your complaint, if it hasn’t already been resolved
- For complaints relating to making payments and transactions, try our best to resolve your complaint within 15 working days from the date when we receive it. In exceptional circumstances it may take up to 35 working days, but we’ll let you know if this is the case
- For all other complaints, write to you within four weeks if we haven’t managed to resolve your complaint
- Try our best to deal with your complaint within eight weeks. If we need more time, we’ll let you know
If you haven’t received a reply from us within the timescale we promised, or if you’ve received it and you’re still unhappy, you have the right to refer your complaint to the Financial Ombudsman Service. You have six months from the date of our final response or from the deadline when you should have received it to do this.
Please see timescales below:
- 35 working days for complaints relating to making payments and transactions
- Eight weeks for all other complaints
- You have already tried to resolve it with us first
- It relates to making payments or transactions and you raised it more than 35 working days ago, or it’s another type of complaint and you raised it more than eight weeks ago
Financial Ombudsman Service,
Exchange Tower
London, E14 9SR0800 0 234 567 free for people phoning from a ‘fixed line’ (for example, a landline at home) or 0300 123 9 123 free for mobile phone users who pay a monthly charge for calls to numbers starting with 01 or 2 number cost no more than calls to 01 and 02 numbers.Further details about the Financial Ombudsman Service will be given with our final decision letter.
Rewards & benefits
Once you’ve been with us for a while, you could get an invitation to apply for an Aqua personal loan. Find out more about personal loans for Aqua customers.