Overall, this is a strong credit card with generous credit limits, which makes it very useful for managing larger purchases and maintaining flexibility. However, the APR is on the higher side compared... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have found Aqua very helpful in guiding me towards better credit management. The rating calculator helps me clarify how small changes can make great changes for my personal credit rating. What I d... See more
Company replied
I love my Aqua Credit Card. It's pain free to apply and the customer service is faultless. I particularly like the fact that they don't just keep upping your credit limit, which can be tempting for so... See more
Company replied
Very good and helpful staff there with genuine payment holidays for who needs it the most and want to pay off balance with some interest. The interest rate is too high though. Credit Limit is high. I... See more
Company replied
Company details
- #145 of 165 best companies in Non-bank financial service
Written by the company
At NewDay, our business is focused on a single, clear and defining purpose: to help people move forward with credit. We provide nearly 4 million customers with responsible access to credit, underpinned by best-in-class customer service and exceptional user experience.
Contact info
7 Handyside, N1C 4DA, London, United Kingdom
- 020 7160 8800
- newday.co.uk
4.2
Great
11k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
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Reply from NewDay
Hi Mohamed, 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
Reply from NewDay
Hi Peter,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Regards, Julie.
You are not protected when you get…
You are not protected when you get scammed and they purposely fail to fight a chargeback. What they do is they send it off, but if the merchant replies, they see it as a loss, and they say they lost the chargeback without even contacting you for more evidence to rebut. So for purchases YOU ARE NOT PROTECTED, AND SECTION 75 MAKES IT HARD TO CLAIM; they also side with the merchants.
The best card protection when it comes to section 75 or chargebacks with similar problems, in my experience, is
Lloyd’s Bank
TSB
nationwide
NatWest
JA JA FINANCE
Credit cards and debit cards ABOVE—they will fight for you, but NewDay / FLUID will just scam you. If you look at their repartition online, these are not the good guys; they will scam you. MAKE UP THEIR OWN RULES AND SAY GO OMBUDSMEN, WHICH IS SOMETIMES JUST A WASTE OF TIME.
How I resolved it.
Don't try this at home. due to me not having assets or anything of value. And I don’t care about credit ratings; due to them scamming me, I just stop paying them. CCJs, court, or bailiffs mean nothing to me.
THEY ALLOWED TO CHASE PAYMENTS FOR 6 YEARS, BUT THEY WILL GET NOTHING; THEY JUST WASTED THEIR MONEY. THEN THEY WILL EITHER SELL IT ON
1 April 2026
Unprompted review
Reply from NewDay
Hello Sara,
I’m very sorry to read that you’ve not had the experience you expected with us, I appreciate the time you’ve taken to write the above. With regards to what you have mentioned, I would like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate.
Take care,
Claire
Excellent service
16 April 2026
Reply from NewDay
Hi Jane, 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
They extend it when it is needed
They extend it when it is needed . And a couple of years ago when I was in financial trouble they helped me and where patient.
16 April 2026
Reply from NewDay
Hi Lorraine, 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
Completely happy
Completely happy, promises have been met for example being rewarded with offers and interest reduction for running my account well.
16 April 2026
Reply from NewDay
Hi Louise, 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
Great service
16 April 2026
Reply from NewDay
Hi there, 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
I have been using aqua card for a…
I have been using aqua card for a number of years now The mobile app is very good All the card activity is very clear
Regularly sending notifications
They even increased my balance
16 April 2026
Reply from NewDay
Hi Antonios, 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
I’ve only had one issue using the card
I’ve only had one issue using the card. It was resolved quickly and efficiently.
16 April 2026
Reply from NewDay
Hi SB, We do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊 best, Elan
47%Apr is all I need to say
16 April 2026
Reply from NewDay
Hi Steve, I would like to thank you for your feedback, as we are always working to improve our services. best, Elan
It is a very reliable card never had… ans helpful
It is a very reliable card never had any issues with it
Customer service were very pl
16 April 2026
Reply from NewDay
Hi Mary, thank you for taking the time to leave us a kind review, we appreciate it! 😊 Thanks, Michelle.
Aqua is a great card provider
Aqua is a great card provider and helpful for customers their card I have is brilliant abroad as its conversion rate is always good and they don’t charge me for purchases
16 April 2026
Reply from NewDay
Hi Chris, thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 Thanks, Michelle.
Superb app
What you see is what you get.
The app is super easy to navigate, would be without my account.
16 April 2026
Reply from NewDay
Hi Naomi, we're happy to read that you are enjoying our app! Thank you for taking the time to leave us a positive review 😊 Thanks, Michelle.
Reply from NewDay
Hi Sean, I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. The interest rate on your card is given after full credit checks are performed, and it set to what we feel is appropriate at the time.
We do check accounts on a regular basis and if we feel a lower interest rate would be acceptable, we will let you know right away at the time. Unfortunately, we’re unable to decrease this by request and I apologise for any inconvenience. If you have any questions or concerns, please don’t hesitate to get in touch with our Customer Service team. Thanks, Michelle.
Upgraded to Gold Card (offering…
Upgraded to Gold Card (offering cashback), great App too & excellent for building your credit journey. Would recommend highly.
16 April 2026
Reply from NewDay
Hi, 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 😊 Thanks, Michelle.
Card design needs updating
I get some good balance transfer offers and my account is easy to service. I think it's about time the card design was updated and also the removal of embossed digits. Marbles is the only card I have like this now. I can't understand why my card has such a short expiry date. The APR is on the high side considering my credit score is excellent, but then I primarily use the card for balance transfers.
16 April 2026
Reply from NewDay
Hi Pete, 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.
Easy to use.
16 April 2026
Reply from NewDay
Hi, Thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.
Reply from NewDay
Hi Ricky, thank you for choosing us as your card provider. We're pleased to have you as our customer 😊 Thanks, Michelle.
Discrimination
I raised a complaint about being discriminated against by one of NewDay's staff members on their Aqua credit card mobile app live chat facility.
The staff member alluded to a note on my account stating I was unable and in capable of managing my finances due to my severe visual impairments, which I naturally took great exception to as I have never ever said, inferred, or implied that to be the case whatsoever.
My complaint based on this act of discrimination was not upheld.
Due to my complaint not being upheld, it appears NewDay actively encourages discrimination and stigmatism against visually impaired people such as myself.
I am apoplectic with anger and disappointment.
How bloody dare they discriminate against folk with sensory issues and assume because of this, it is automatically thought you cannot manage your finances!
17 April 2026
Unprompted review
Reply from NewDay
Hello Stephen,
I’m very sorry to read that you’ve not had the experience you expected with us, I appreciate the time you’ve taken to write the above. With regards to what you have mentioned, I would like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate.
Take care,
Claire
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