Bank statement charge
What is a NEWDAY LTD Direct Debit on my bank statement?
Who charged you
NewDay the lender behind Aqua, Marbles, Fluid, Argos Pay, John Lewis and AO credit
NEWDAY LTD is NewDay, a UK lender behind the Aqua, Marbles and Fluid credit cards, Argos Pay, the John Lewis Partnership Card, AO finance and Newpay. The payment is usually a Direct Debit that repays one of those card or finance accounts, sometimes an account a shop moved over to NewDay.
How it can show on a statement
NEWDAY LTDNEW DAY
Find out what it was
- 1
Search your email, texts and post for NewDay, Aqua, Marbles, Fluid, Argos Pay, John Lewis or AO: after a Direct Debit is set up, NewDay sends a message that the advance notice is ready in the online account.
- 2
Think about store cards and shop finance you hold or used to hold, especially an Argos Card, since many of those accounts became Argos Pay accounts run by NewDay.
- 3
Open the Direct Debit list in your banking app and check when the NewDay entry was set up, then compare that date with a card you opened or a letter about an account moving.
- 4
Compare the amount with the Payment Requested on your latest card statement; with instalments or a Recommended Extra Payment it can be higher than the minimum.
- 5
Ask anyone who shares the bank account whether they have a NewDay card, such as Aqua or a John Lewis card, and pay it from this account.
- 6
Still a charge you did not agree to? File your complaint here. We write it with you and send it to NewDay, so you do not have to chase it yourself.
Not in any of your accounts? If nobody in your household made it, someone else may have used your card details. Your card issuer can stop the card, so the charges do not continue.
Why does it say “NEWDAY LTD”?
Many credit and store cards carry a shop's name or a brand such as Aqua, but the credit behind them comes from NewDay Ltd, a lender with its registered office in London. Repayments go to the lender, so the Direct Debit or payment shows NewDay, written NEWDAY LTD or NEW DAY depending on the bank, instead of Argos, John Lewis, AO or the card's own name.
An account can also move to NewDay after you opened it. Argos Card accounts that were updated to Argos Pay were handed from Home Retail Group Card Services to NewDay, and payments on them now go to NewDay. That is why a NewDay Direct Debit can appear although you never applied to NewDay by name; in one shared case it first showed up as a new Direct Debit for £0.
Why you might see this charge
- The monthly Direct Debit for an Aqua, Marbles or Fluid credit card.
- A repayment on Argos Pay, including an old Argos Card account that was updated to Argos Pay.
- A payment on a John Lewis Partnership Card, on AO finance or on a Newpay account used to spread the cost of an online purchase.
- A higher amount than usual, because the Payment Requested can include monthly instalments and an optional Recommended Extra Payment, and a Direct Debit set to that amount collects it.
- A one-off bank transfer to NewDay Ltd that you or someone in the household made to pay off a card balance.
Is NEWDAY LTD legit?
Yes. NewDay Ltd is a UK consumer credit company with its registered office in London. It says it provides credit to around 4 million customers through its own brands, such as Aqua, Bip and Newpay, and partner brands such as John Lewis, AO and Argos. A NEWDAY LTD payment normally repays one of those accounts.
Because the name is not the one on the card, people often think they never signed up, especially after an Argos Card moved to Argos Pay. Messages that use the NewDay or Aqua name to ask for card or bank details through a link are a different matter; check any payment against your own card statements and Direct Debit list, never through a link in a message.
Other charges people look up
| On your statement | Who charged you | What it usually is |
|---|---|---|
| HOME INSURANCE LBIS | Lloyds Bank | HOME INSURANCE LBIS is Lloyds Bank Insurance Services, the Lloyds Banking Group company behind Lloyds Bank, Halifax… |
| DOXO* | doxo | DOXO* or DOX* before a company's name means a bill was paid through doxo, an independent bill pay service, not… |
| HERTZ TOLL | Hertz | HERTZ TOLL is PlatePass, the toll program in Hertz, Dollar and Thrifty rental cars. |
| ERAC TOLL | Enterprise Rent-A-Car | ERAC TOLL is Enterprise Rent-A-Car's toll program, which also handles National and Alamo rentals. |
| ACI* | ACI Payments (Speedpay) | ACI* or SPEEDPAY is a bill paid through ACI Payments, part of ACI Worldwide, which runs Speedpay and was once called… |
| B G SERVICES | British Gas Services | B G SERVICES is British Gas Services Limited, the British Gas company that runs HomeCare and other home services. |
| VZWRLSS*APOCC VISB | Verizon Wireless | VZWRLSS is Verizon Wireless, the mobile network, written short on card statements. |
| E-TOLL AVIS | Highway Toll Administration | E-TOLL AVIS, E-TOLL BUDGET and E-TOLL PAYLESS are tolls from a rental car, billed by Highway Toll Administration… |
Questions about NEWDAY LTD
What is NewDay Ltd on my bank statement?
It is NewDay, the UK lender behind cards and finance such as Aqua, Marbles, Fluid, Argos Pay, the John Lewis Partnership Card and AO finance. The payment usually repays one of those accounts, most often by Direct Debit.
Who are NewDay?
NewDay Ltd is a consumer credit company registered in London. It runs its own credit brands, such as Aqua, Marbles, Fluid, Bip and Newpay, and provides the credit for partner brands such as John Lewis, AO and Argos.
Why do I have a NewDay Direct Debit after my Argos Card changed?
Argos Card accounts that were updated to Argos Pay were handed to NewDay, which now provides the credit, so payments on them go to NewDay. The NewDay name can appear even if you never applied to NewDay directly.
Why is my NewDay Direct Debit more than the minimum payment?
The Payment Requested can include monthly instalments and an optional Recommended Extra Payment, which is always shown on your card statement. A Direct Debit set to the Payment Requested collects the whole amount.
What if I did not agree to a NEWDAY LTD payment?
File a complaint on Complain.biz. We write it with you and send it to NewDay, so you do not have to chase it yourself.
Based on
- Retailer trading names: New Day, credit and store cards for UK retailers (NatWest International)
- Payments and transactions: payee name NewDay Ltd, Direct Debit advance notice, Recommended Extra Payment (Aqua help)
- Credit card help: cards issued by NewDay Ltd, who is NewDay, setting up a Direct Debit (Marbles)
- NewDay Ltd provides our credit here at Fluid (Fluid)
- Who we are: around 4 million customers (NewDay)
- Our brands: Aqua, Bip, Newpay, John Lewis, AO and Argos (NewDay)
- Argos Card updated to Argos Pay provided by NewDay (Argos Help)
- Argos Pay information hub: Meet NewDay, Direct Debit options and the Payment Requested (Argos Pay by NewDay)
- Newpay: credit provided by NewDay Ltd (Newpay)
- A company called Newday started a direct debit for £0 (MoneySavingExpert Forum, shared case)