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Lender DetailsNewDay Ltd
Credit Card Provider

NewDay Ltd

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

Company typeCredit Card Provider
Trading namesAqua; Marbles; Fluid; Bip; Newpay; Amazon Platinum (white label); John Lewis / Argos partnership cards
FCA Firm Ref (FRN)690292
FCA statusAuthorised and regulated by the FCA (FRN 690292); also authorised under Payment Services Regulations 2017 (Ref: 555318)
Companies House no.07297722
Company statusActive
Parent companyNemean Topco Limited (ultimate parent); owned by Cinven and CVC Capital Partners
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for NewDay Ltd

Card balance or statement
Missed payment
Default notice received
Credit limit query
Persistent debt concern
Section 75 dispute
Complaint
Debt sold to a collector

Before you contact NewDay Ltd

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?What is my current balance and how is interest calculated?
  • ?What are my repayment options?
  • ?Can I have a full statement of account?
  • ?What happens if I miss a payment?
  • ?How do I make a formal complaint?
  • ?Has my account been passed to or sold to a third party?
  • ?Are there any payment support or breathing space options available?

Contact details

PhoneNot verified
EmailNot verified
Registered address7 Handyside Street, London, N1C 4DA

Always use contact details from NewDay Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number690292
FCA statusAuthorised and regulated by the FCA (FRN 690292); also authorised under Payment Services Regulations 2017 (Ref: 555318)
Companies House number07297722
Company statusActive
Parent companyNemean Topco Limited (ultimate parent); owned by Cinven and CVC Capital Partners

Useful official links

What they do

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.

Reviews and public sentiment

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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Common questions about NewDay Ltd

Is NewDay Ltd FCA authorised?+
Check the FCA Register at register.fca.org.uk using the FCA Firm Reference Number (FRN) listed on this page. Always verify directly from official sources.
How do I contact NewDay Ltd?+
Contact details are listed on this page where verified. Always use contact details from the company's official website or the FCA Register rather than details found in unexpected letters or texts.
How do I make a complaint to NewDay Ltd?+
Start with the company's formal complaints process. If unresolved, the Financial Ombudsman Service (financial-ombudsman.org.uk) may be able to help, depending on the type of complaint.
What should I do if I cannot afford repayments?+
Contact the company as soon as possible. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Where can I get free help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Credit Card Provider companies

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