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
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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
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I have been trying to activate my card…
I have been trying to activate my card for months now but you have my number down wrong. Trying to get hold of someone who can sort my phone number out so I can activate my card is near on impossible. I have been waiting for ring backs for weeks and weeks and nothing happens. I can't even cancel the card as you have the wrong phone number for me
April 9, 2026
Reply from NewDay
Hello Barry,
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 have passed your concerns on to our Specialist Team to review.
As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate, and the team will be in touch with you in due course. Take care, Claire
Never had a problem at as ll super easy…
Never had a problem at as ll super easy to use recommend to anyone
April 9, 2026
Reply from NewDay
Hi Paul, thank you for choosing us as your card provider. We're pleased to have you as our customer 😊 Thanks, Michelle.
Very professional and accommodative
April 9, 2026
Reply from NewDay
Hi Bharat, thank you for choosing us as your card provider. We're pleased to have you as our customer 😊 Thanks, Michelle.
Second time I have telephoned Newday re…
Second time I have telephoned Newday re my AO account I have no access to it and rely on monthly statements of what due which is very confusing I try and change password but need account number which I don’t have it’s in account online the annoying customer service send a passcode which I repeat back then a series of questions the the answers to on in my account the account I can not get access to I would not recommend this company as they are obstructive and I do not know how much I have paid or my true balance Due to them I have stopped using AO sad
Update just telephoned the number Newday give me on their rely and I get the same run around and also refused access to speak to a supervisor give my address and then lady had check to tell me she didn’t here it and to repeat it at this point I had enough of been messed about by Newday don’t tell me to telephone and you will sort it when you obviously have no intention to and supervisor refusing to speak to me sums it all up
April 10, 2026
Unprompted review
Reply from NewDay
Hi Gerard, 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 again on 0333 220 2532 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 have just been notified that my Argos…
I have just been notified that my Argos card is going to be moved to Newday. I am delighted to hear this news. I
have other cards with Newday and I am so pleased at the ease of making repayments. This ensures I retain a good credit score. Their customer service is excellent, so thank you once again Newday.
April 9, 2026
Unprompted review
Reply from NewDay
Hi Pauline, Thank you for your 5-star Review! 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
Statement date changes without notification
My wife and I both have individual John Lewis credit cards which are ‘managed’ by NewDay. This month we’ve just noticed the statement date on both cards has been amended without warning and despite managing our finances to ensure sufficient funds are in our bank to pay our respective cards a £800+ transaction was on this month’s statement although we had planned it to be on next month’s. The change of statement date caused this and fortunately we had funds in our a/c to pay the balance it came as a shock! Also the statement date was30th March and was received in the post 7th April saying payment would be taken 9th April (ie today). We will not use these cards again and will use our other cards, ie Tescos, M&S.
April 9, 2026
Unprompted review
Reply from NewDay
Hi Michael, 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 0330 175 9829 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
Shockingly poor service on phonelines. Complaints ignored
Bought some white goods from AO.com on 6 month interest free which was great. Set up and creation of account all went smoothly. However, AO price matched a competitor and so refunded me money for the goods. This meant my DD needed to be changed.
NewDay didnt do this automatically so I rang to ask they did it, which they agreed.
This didnt then happen so I massivley overpaid. I rang again when I could see it on bank ready to be taken out to be told repetedly I was wrong and the right values would go out.
It then did go out incorrectly so I rang to ask for refund and them to correct DD and they couldnt understand issue - wanting to set new DD rate at way more than it should have been. Only after arguing, saying they'd breached the DD guarantee, did they eventually agree to refund.
In the end, I logged a complaint, and they rang to say it was all sorted and would close the case. I asked, but they didn't until the next statement was out (3 days later), as they'd mentioned that would be what would tell me if it had worked or not. They ignored this and closed anyway. Next statement came out and it had old DD value on and I got a letter saying I'd breached the T&C's of the plan and so had been removed from 0%! Rang back and told they'd look in to it and complaint would be reopened. Ignored :(
March 21, 2026
Unprompted review
Reply from NewDay
Good Afternoon,
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. We work hard to give all our customers a great experience whenever they contact us or use our services.
I’m sorry we didn’t manage that for you this time. Please be assured that this feedback will be passed on to the relevant team.
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 at your next convenience.
- Kenith
Customer Service really helpful.ive…
Customer Service really helpful.ive been dealing with cancer since August 2025 and still dealing with it now they have been very understanding and don't keep you on the phone long.they agreed to a payment plan stright way.i would recommend anyone looking for a credit card to get one with newday
April 8, 2026
Unprompted review
Reply from NewDay
Hello Lee. 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 😊Kind regards, Audrey
Worst company took over
Worst company took over, called Pulse, after Amazon sold it off, and then banned me from buying anything, but demanded payback with 34% interest on top! Totally corrupt and criminal loan sharks I ever had in my life!!
April 7, 2026
Unprompted review
Reply from NewDay
Hi Stuart,
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.
Best,
Stephanie.
Reply from NewDay
Hi Taswar,
Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊
Best,
Stephanie.
Great when struggling for credit but…
Great when struggling for credit but when things improve you don’t improve the interest rates which are extortionate
April 2, 2026
Reply from NewDay
Hi Paul,
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.
Best,
Stephanie.
Sneaky practice to entice to get into debt
Never missed a payment and ALWAYS pay double.I was given a credit increase last year and the minute I used it the interest was put up a lot.They used the reason I had mismanaged my account.The sooner I pay this card off the better.Disgusting practice to entice me into debt then charge me more interest.
April 2, 2026
Reply from NewDay
Hi Markita,
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. Please be assured that this feedback will be passed on to the relevant team. 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 at your next convenience. The team will have full access to your account and will be happy to look into this for you.
Best,
Josh
Excellent product very helpful Personal…
Excellent product very helpful Personal Finance to run daily basislife maintenance
April 2, 2026
Reply from NewDay
Hi Ejaz, thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.
Transferred me to the wrong department…
Transferred me to the wrong department far too long on hold and got nothing sorted very irritating
April 2, 2026
Reply from NewDay
Good Afternoon, Debbie,
I can assure you that we're a company that prides ourselves on a high level of professional service. I apologise that this hasn’t been your experience on this occasion.
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.
- Kenith
I have seen good and bad reviews of new…
I have seen good and bad reviews of new day but my overall experiences have been good . The app is fantastic in giving you up to minute details as well as great hints and tips regarding your credit.
April 2, 2026
Reply from NewDay
Hi Brian, 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 have had no problems with them they…
I have had no problems with them they always increase my limit without any problem and help me if I any payment problems they have great service and support
April 2, 2026
Reply from NewDay
Hi Sehaj, 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
I provide a very valuable service
I provide a very valuable service. A card that can be recommended to everyone.
April 2, 2026
Reply from NewDay
Hi Mr. Mudiyanselage, 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 lived overseas for almost 10 years…
I lived overseas for almost 10 years and on return to UK I had no choice but to build my credit credentials again. Aqua is convenient and has been a positive move.
April 2, 2026
Reply from NewDay
Hi Christine, 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 😊 best,Elan
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
Nothing to complain about here !:)
April 2, 2026
Reply from NewDay
Hi Prince, 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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