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
Excellent card and services very handy and app easy too use. Interest rates high however you can pay amounts you wish. Before date due .Excellent highly recommended.
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
Company details
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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They charge you when you get fraudulent transactions
Previously disputed a fraudulent transaction on my credit card for Amazon. I confirmed with Amazon it was not a charge on my account and the account that made this transaction in question had been closed.
I then raised with New Day and they refunded amount. 2 months later they have recharged me for the fraudulent amount.
Completely useless.
April 26, 2026
Unprompted review
Reply from NewDay
Hi there, 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.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0333 220 2532 or via chat in the app (More > Help & Support > Contact Us > Contact Details) at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you. best, Elan
I took the card to build my credit…
I took the card to build my credit score and the tools Aqua provides really helps to achieve this. I love the opportunity to set up instalment plans for bigger purchases or when you need to manage your finances for a few months. The application was simple and straightforward, you also get regular reminders of your payment date which is very useful.
April 23, 2026
Reply from NewDay
Hi Gill,
Thank you so much for your lovely review and the 5-star rating! We’re a card that says yes to helping you build your credit score when used responsibly - so it is great to hear that we have helped you build yours 😊
Regards, Julie.
They gave me a chance to improve my…
They gave me a chance to improve my credit great company
April 23, 2026
Reply from NewDay
Hello Elaine, thank you so much for the lovely review! We're glad to learn that we were able to help you build your credit score. Keep up the good work 😊. Kind regards, Audrey
Try to buy a phone through my lebara…
Try to buy a phone through my lebara account you have the option to pay in installments they took £25 to do a credit check has been two weeks now not heard anything nor have I received my £25 back day light robbery
April 17, 2026
Unprompted review
Reply from NewDay
Hi Charles, 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.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. Please can you reach out to our Customer Service team on 0333 220 2532 at your next convenience. The team will have full access to your account and we will look into this for you.
Kind regards,
Josh
In my opinion
In my opinion, this company really supports its customers well and is always there for them. That’s exactly why it’s doing so well and being successful
April 23, 2026
Reply from NewDay
Hi Hamed, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Best credit card I've ever had
Best credit card I've ever had, very helpful and professional would recommend 👌 💯
April 23, 2026
Reply from NewDay
Hi Malachy, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Helpful service at cost
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 do find disheartening is the high % rate of interest charged each month which detracts from all financial efforts
April 23, 2026
Reply from NewDay
Hi Linda, Thank you so much for your lovely review and the 5-star rating! We’re a card that says yes to helping you build your credit score when used responsibly - so it is great to hear that we have helped you build yours 😊
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. Best, Elan
Reply from NewDay
Hi Mitchell, 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
Great service
Very helpful at the time and helped me out of a slight situation. Always good to know I can fall back on them in the future
April 23, 2026
Reply from NewDay
Hi Richard, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
The customer service is good and I am…
The customer service is good and I am sure I am going to recommend my friends
Keep it up for recognising your faithful customer
April 23, 2026
Reply from NewDay
Hi Flavia, 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
Services are great but interest charges…
Services are great but interest charges are huge and offers are very limited.
April 23, 2026
Reply from NewDay
Hi Abdul, I would like to thank you for your feedback, as we are always working to improve our services. best, Elan
Easy to get information and application
April 23, 2026
Reply from NewDay
Hi Andrew, Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊 best, Elan
Very easy to use and has helped me…
Very easy to use and has helped me massively definitely recommend
April 23, 2026
Reply from NewDay
Hi Kenneth, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Hi interest 3.39% monthly
Hi interest 3.39% monthly. Higher than most. Good for building credit score providing you pay off or make regular payments.
April 23, 2026
Reply from NewDay
Hi Julian, I would like to thank you for your feedback, as we are always working to improve our services. best, Elan
Very happy with the help and quick to…
Very happy with the help and quick to resolve any issues thanks
April 20, 2026
Unprompted review
Reply from NewDay
Hi Gary, 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 😊 Thanks, Michelle.
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
April 1, 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
April 16, 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.
April 16, 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
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