Also known as: Aqua; Marbles; Fluid; Bip; Newpay; Amazon Platinum (white label); John Lewis / Argos partnership cards
NewDay Ltd is a UK consumer credit company that specialises in providing credit cards and other credit products. It operates a range of own-branded credit products as well as co-branded credit cards issued in partnership with well-known retailers.
NewDay's own brand credit products include Aqua and Marbles, which are aimed at people who want to build or rebuild their credit history. These cards typically carry higher interest rates than mainstream products and have features designed to help customers manage their borrowing, such as spending alerts and credit limit controls. NewDay also issues co-branded credit cards on behalf of retail partners including Amazon, Argos, and Debenhams.
Because many of NewDay's products are aimed at customers with non-standard credit histories, the interest rates tend to be higher than those you would find on credit cards from mainstream high street banks. It is important to understand the cost of any credit product before applying.
If you hold a credit card issued by NewDay — whether that is an Aqua, Marbles, or retail co-brand card — and need to contact them, the support details will be shown on the back of your card and on the relevant card website. NewDay Ltd is authorised and regulated by the Financial Conduct Authority.
If you are struggling with repayments on any NewDay product, their customer service team can discuss your options. You are also entitled to seek free, independent debt advice from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These organisations can help you understand all your options at no cost.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from NewDay Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Direct credit cards (Aqua, Marbles, Fluid, Bip), white-label credit cards for partners (John Lewis, Argos, Amazon), BNPL and instalment finance (Newpay)
Trading names and group notes
NewDay Ltd (Companies House 07297722) is the primary operating entity. Nemean Topco Limited is the ultimate parent. The group was acquired by Cinven and CVC in October 2016. NewDay BondCo plc is a financing vehicle within the group. NewDay Group Ltd (Companies House 07753556) and NewDay Holdings Ltd (07795882) are intermediate holding entities.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.2 (NewDay brand); Marbles: 4.7; Fluid: 4.4
Approx. 11,315 (newday.co.uk); Marbles: ~8,000; Fluid: ~4,457 reviews
Other review sources
NewDay Trustpilot: 4.2/5 (~11,315 reviews) — rated 'Great'; Marbles Trustpilot: 4.7/5 (~8,000 reviews) — rated 'Excellent'; Fluid Trustpilot: 4.4/5 (~4,457 reviews) — rated 'Excellent'; Smart Money People: smartmoneypeople.com/newday-reviews/product/aqua; Aqua launched 2002 — focused on customers refused credit elsewhere; Approx. 5.9 million customers as of mid-2025; Google Play apps published by NewDay Ltd developer account
Overall public sentiment
NewDay's brands collectively receive good-to-excellent Trustpilot ratings. Marbles scores highest at 4.7/5, Fluid at 4.4/5, and the NewDay corporate brand at 4.2/5. Sentiment is broadly positive with customers valuing the accessibility of credit for near-prime borrowers. Some negative reviews relate to high APRs and occasional customer service delays.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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