NewDay Ltd

Reference number: 690292

Instant download

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When newday.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 7160 8800 is, and the 2 other firms that give it
  • Who else gives the postcode N1C 4DA
Instant PDF download
Other names (179)

If you were contacted under any of these names, it is this firm.

  • AO Finance Trading name
  • Aqua Trading name
  • Aqua Advance Trading name
  • Aquacard Trading name
  • Aqua Classic Trading name
  • Aqua Gold Trading name
  • aqua loans Trading name
  • Aqua Reward Trading name
  • Aqua Start Trading name
  • Argos Trading name
  • Argos Classic Credit Card Trading name
  • Argos Credit Trading name
  • Argos Pay Trading name
  • BIP Trading name
  • Burton Mastercard Trading name
  • Burtons Budget Trading name
  • Burton Storecard Trading name
  • Debenhams Budget Trading name
  • Debenhams Credit Card Trading name
  • Debenhams Gold Mastercard Trading name
  • Debenhams Gold Storecard Trading name
  • Debenhams Mastercard Trading name
  • Debenhams Shareholder Trading name
  • Debenhams Staff Trading name
  • Debenhams Storecard Trading name
  • Dorothy Perkins Budget Trading name
  • Dorothy Perkins Gold Mastercard Trading name
  • Dorothy Perkins Mastercard Trading name
  • Dorothy Perkins Storecard Trading name
  • Evans Budget Trading name
  • Evans Mastercard Trading name
  • Evans Storecard Trading name
  • Fluid Trading name
  • Fluid Credit Card Trading name
  • Fluid Loans Trading name
  • Fluid Mastercard Trading name
  • Harvey Nichols Credit Card Trading name
  • Harvey Nichols Store Card Trading name
  • John Lewis Credit Card Trading name
  • John Lewis Mastercard Trading name
  • John Lewis Partnership Card Trading name
  • John Lewis Partnership Credit Trading name
  • John Lewis Partnership Credit Card Trading name
  • John Lewis Thrive Trading name
  • John Lewis Thrive Credit Trading name
  • John Lewis Thrive Credit Card Trading name
  • Marbles Trading name
  • Marbles Card Trading name
  • Marbles Classic Trading name
  • marbles loans Trading name
  • Marbles Platinum Trading name
  • Marbles Start Trading name
  • Mothercare Card Trading name
  • NewDay Budget Trading name
  • NewDay Cards Trading name
  • NewDay Credit Card Trading name
  • Newpay Trading name
  • Opus Trading name
  • Opus Black Trading name
  • Opuscard Trading name
  • Opus loans Trading name
  • Partnership Card Trading name
  • Partnership Credit Card Trading name
  • Paypal Credit Card Trading name
  • Pulse Trading name
  • Pulse Credit Card Trading name
  • Pulse Loans Trading name
  • Pulse Mastercard Trading name
  • Russell & Bromley Store Card Trading name
  • Thrive Credit Card Trading name
  • TUI Credit Card Trading name
  • TUI Mastercard Trading name
  • Wallis Gold Storecard Trading name
  • Wallis Mastercard Trading name
  • Wallis Storecard Trading name
  • Amazon Card Former trading name
  • Amazon Classic Former trading name
  • Amazon Classic Card Former trading name
  • Amazon Classic Credit Card Former trading name
  • Amazon Classic MasterCard Former trading name
  • Amazon Credit Former trading name
  • Amazon Credit Card Former trading name
  • Amazon MasterCard Former trading name
  • Amazon Platinum Former trading name
  • Amazon Platinum Card Former trading name
  • Amazon Platinum Credit Card Former trading name
  • Amazon Platinum MasterCard Former trading name
  • Aqua First Former trading name
  • Arcadia Privilege Former trading name
  • Arcadia Staff Former trading name
  • Burton Former trading name
  • Burton Cardholder Services Former trading name
  • Burton Gold Mastercard Former trading name
  • Burton Gold Storecard Former trading name
  • Burton Personal Account Former trading name
  • Debenhams Former trading name
  • Debenhams Bridal Former trading name
  • Debenhams Bridal Gold Former trading name
  • Debenhams Cardholder Services Former trading name
  • Debenhams Chairman Former trading name
  • Debenhams Chairman & Privilege Former trading name
  • Debenhams Colleague Former trading name
  • Debenhams Finance Former trading name
  • Debenhams Online Cardholder Services Former trading name
  • Debenhams Personal Account Former trading name
  • Debenhams Privilege Former trading name
  • Dorothy Perkins Former trading name
  • Dorothy Perkins Cardholder Services Former trading name
  • Dorothy Perkins Gold Storecard Former trading name
  • Dorothy Perkins Personal Account Former trading name
  • Evans Cardholder Services Former trading name
  • Evans Essentials Former trading name
  • Evans Gold Mastercard Former trading name
  • Evans Gold Storecard Former trading name
  • Evans Personal Account Former trading name
  • Frasercard Services Former trading name
  • Harvey Nichols Card Former trading name
  • Harvey Nichols Mastercard Former trading name
  • House of Fraser Former trading name
  • House of Fraser Budget Former trading name
  • House of Fraser Gold Mastercard Former trading name
  • House of Fraser Gold Storecard Former trading name
  • House of Fraser Mastercard Former trading name
  • House of Fraser Staff Former trading name
  • House of Fraser Storecard Former trading name
  • Laura Ashley Former trading name
  • Laura Ashley Gold Mastercard Former trading name
  • Laura Ashley Gold Storecard Former trading name
  • Laura Ashley Mastercard Former trading name
  • Laura Ashley Storecard Former trading name
  • Miss Selfridge Former trading name
  • Miss Selfridge Budget Former trading name
  • Miss Selfridge Gold Mastercard Former trading name
  • Miss Selfridge Gold Storecard Former trading name
  • Miss Selfridge Mastercard Former trading name
  • Miss Selfridge Storecard Former trading name
  • Mothercard Former trading name
  • Mothercare Former trading name
  • NewDay Store Card Former trading name
  • Novo Former trading name
  • Outfit Former trading name
  • Outfit Budget Former trading name
  • Outfit Gold Mastercard Former trading name
  • Outfit Gold Storecard Former trading name
  • Outfit Mastercard Former trading name
  • Outfit Storecard Former trading name
  • Paypal Card Services Former trading name
  • Paypal Mastercard Former trading name
  • Russell & Bromley Former trading name
  • Ryanair Former trading name
  • Ryanair Credit Card Former trading name
  • Ryanair Mastercard Former trading name
  • Seven Credit Card Former trading name
  • Thomson Card Former trading name
  • Thomson Credit Card Former trading name
  • Topman Former trading name
  • Topman Budget Former trading name
  • Topman Cardholder Services Former trading name
  • Topman Gold Mastercard Former trading name
  • Topman Gold Storecard Former trading name
  • Topman Mastercard Former trading name
  • Topman Personal Account Former trading name
  • Topman Storecard Former trading name
  • Topshop Former trading name
  • Topshop Budget Former trading name
  • Topshop Cardholder Services Former trading name
  • Topshop Gold Mastercard Former trading name
  • Topshop Gold Store Card Former trading name
  • Topshop Mastercard Former trading name
  • Topshop Personal Account Former trading name
  • Topshop Storecard Former trading name
  • Topshop VIP Storecard Former trading name
  • Unshackled Former trading name
  • Unshackled.com Former trading name
  • Unshackled.com Credit Account Former trading name
  • Unshackled Credit Account Former trading name
  • Wallis Former trading name
  • Wallis Budget Former trading name
  • Wallis Gold Mastercard Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (4 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Providing Credit Information Services

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
2,602
upheld, against a 31% median
28%
about banking and credit
2,602

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
07297722
Company status
Active
Company type
Private limited company
Incorporated
28 June 2010 (16 years old)
Registered office
7 Handyside Street, London, N1C 4DA, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Alison Reed Director Dec 1956 30 Oct 2012 None
Robert Holt Director Jan 1976 21 Sep 2017 None
John Patrick Hourican Director Jul 1970 16 Oct 2019 19 other companies
Anthony Alexander Godsiff Director Jul 1981 1 Apr 2026 9 other companies
Stuart Whitty-Lewis Secretary Not published 1 Jan 2024 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
19
closed down
5
are FCA-registered
3

In the full report: all 19 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 3 on the FCA register
  • The 9 companies these 4 directors run together
  • All 22 people who have ever been directors, with their dates
Instant PDF download

Key dates in its history

NewDay’s history from the FCA register and Companies House, newest first.

Key events (4) All events (373)

2016

6 April 2016

  • Newday Cards Ltd took control (75–100% of shares)

Companies House · FCA register

31 March 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2010

28 June 2010

  • Incorporated at Companies House

Companies House

In the full report: all 373 events

  • All 373 events in its history (4 shown here)
  • Every director appointment and resignation: 40
Instant PDF download

Firms connected to NewDay

Other FCA-listed firms that share a director, phone number or address with NewDay. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its phone number
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
Instant PDF download

Get the full report on NewDay

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 373 events in its history
  • 2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is NewDay Ltd FCA authorised?
Yes, NewDay Ltd (FRN 690292) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is NewDay’s phone number and website?
The FCA register lists the phone number 020 7160 8800 and the website newday.co.uk for NewDay. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is NewDay a scam or clone?
NewDay is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with NewDay?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how NewDay handles your money, so check the specific product before you commit. You can also refer complaints about NewDay to the Financial Ombudsman Service, free of charge.
Who owns NewDay?
NewDay is owned by Newday Cards Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs NewDay?
Companies House lists 4 directors of NewDay: Alison Reed, Robert Holt, John Patrick Hourican and Anthony Alexander Godsiff.
How long has NewDay been in business?
The company was formed on 28 June 2010, and has held its current FCA authorisation since March 2016.
How many complaints does NewDay get?
In January–June 2025, the Financial Ombudsman Service received 2,602 new complaints about NewDay, and upheld 28% of those it decided.
Does NewDay use any other names?
It trades as AO Finance, Aqua, Aqua Advance, Aquacard and Aqua Classic, and 70 more names. It has previously used 104 other names, including Amazon Card, Amazon Classic and Amazon Classic Card.

Sources and links

The full report on NewDay Ltd

£19.99 · Instant PDF download

Loading secure checkout…