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Payments & transactions
Making payments
A recommended extra payment is an additional payment on top of your contractual minimum payment. We may request this if you are consistently making low payments or incurring fees (which means you may be paying more interest, fees and charges than towards repaying your balance) and we think your account may be at risk of falling into Persistent Debt.
If we add a recommended extra payment in any given month, we'll notify you a month before. The recommended extra payment will be shown on your statement and on your account summary in Online Account Manager and any mobile app.
If we add a recommended extra payment in any given month, we'll notify you a month before. The recommended extra payment will be shown on your statement and on your account summary in Online Account Manager and any mobile app.
The Financial Conduct Authority requires us to monitor all of our customers' accounts to see how they're managing their repayments. If you have only paid the contractual minimum payment (or an amount close to it) on a regular basis, we may suggest that you make a recommended extra payment on top of your contractual minimum payment. This is to help clear your balance faster and ensure your account does not fall in to Persistent Debt.
If you’re using a phone or tablet and see a QR code during the payment journey, it’s likely your browser is showing the desktop version of the website instead of the mobile version. Some devices automatically switch to desktop view if the screen is large enough.You can fix this by switching your browser back to the mobile view. The steps vary depending on your device:Google Chrome (Android & tablets)
- Open Chrome and tap the three dots (top right) · Tap ‘settings’
- Go to ‘site settings’ under ‘advanced’
- Tap ‘desktop site’
- Turn the setting off
- Open the 'settings’ app
- Tap ‘Safari’
- Tap ‘request desktop website’
- Turn the setting off
- Open Edge and tap the menu icon (three dots)
- Tap ‘settings’
- Go to ‘general’ then ‘site display settings’
- Turn off ‘show desktop site as default’
No. If you prefer, you can pay your full balance, just the contractual minimum payment, or any amount in between the contractual minimum payment and the full balance. However please keep in mind if you only pay the contractual minimum payment (or close to it) this means it costs you more and takes a long time to repay your debt. If low payments continue for a long period, you may be considered to be in persistent debt and we will be in contact to discuss options to help you pay down your debt. By paying the recommended extra payment each month rather than the contractual minimum payment, you will pay your balance off faster and save on interest.
Making low payments (such as paying only the contractual minimum payment or an amount close to it) and incurring fees is an expensive way to borrow money and it takes longer to repay what you owe. By paying the recommended extra payment each month, you can pay off your balance faster and save money on interest.
If you have a Direct Debit set up (other than for a Boosted Payment) we'll automatically collect the recommended extra payment as well as the contractual minimum payment as part of your 'payment requested', unless you ask us not to by contacting us. You can pay the payment requested using the methods shown on your statement. Remember, you must pay at least the contractual minimum payment by your due date to avoid a late payment fee.
The monthly Payment Requested includes your contractual minimum payment and, where shown on your statement/account summary includes:
- any monthly instalment plan payment; and/or
- a recommended extra payment; and/or
- any arrears.
- any monthly instalment plan payment; and/or
- a recommended extra payment; and/or
- any arrears.
Boosted Payment – you are opting to pay a higher amount than the contractual minimum payment each month in order to pay off your balance faster and to save on interest.
Recommended Extra Payment (REP) – we may add a REP to your Payment Requested if you are regularly paying only the contractual minimum payment (or close to it) and we think your account may be at risk of falling into Persistent Debt. This optional additional amount will be shown on your statement.You can pay anytime to help save money on interest. Just be sure to pay at least your contractual minimum payment every month before it's due. And make extra payments when you’re able to. Any payment made before your statement is issued won't count towards the contractual minimum payment.
If you miss a payment, your account will be frozen and the missed payment will be reported to credit reference agencies.
Recommended Extra Payment (REP) – we may add a REP to your Payment Requested if you are regularly paying only the contractual minimum payment (or close to it) and we think your account may be at risk of falling into Persistent Debt. This optional additional amount will be shown on your statement.You can pay anytime to help save money on interest. Just be sure to pay at least your contractual minimum payment every month before it's due. And make extra payments when you’re able to. Any payment made before your statement is issued won't count towards the contractual minimum payment.
If you miss a payment, your account will be frozen and the missed payment will be reported to credit reference agencies.
If you have not already reached your credit limit and have available credit you can continue using your card.
If you pay using your debit card, it can take up to 2 days for the payment to be applied to your account, and may be longer over Bank Holidays or if you pay by cheque. So if you have reached your credit limit, you should wait for the payment to be applied before you try to use your Aqua card again. You can see if your payment's been applied in your Aqua app.
If you pay using your debit card, it can take up to 2 days for the payment to be applied to your account, and may be longer over Bank Holidays or if you pay by cheque. So if you have reached your credit limit, you should wait for the payment to be applied before you try to use your Aqua card again. You can see if your payment's been applied in your Aqua app.
If you don't pay your balance in full, we'll allocate payments to balances on your statement with the highest interest rates first. There are some exceptions to this, such as if you're paying instalments or are on a PayDown plan. For more information check the 'how do we apply payments to the different balances?' section of your Credit Card Agreement.
You can choose a monthly payment date that suits you in your app. Just open your Aqua Mastercard app, select 'More', then 'Change Payment Due Date'. You can change this up to three times a year. You can also chat to us in your app or see the contact us page for other ways to get in touch.
Yes, you can make a payment towards your outstanding balance at any time. Just make sure that you make at least the minimum payment each month. You also need to ensure any arrears or overlimit amounts are paid immediately.
Your payment must reach us by the due date shown on your statement. If you pay by Direct Debit, any additional payments you make before your collection date may also reduce your Direct Debit. Learn more about how additional payments affect your Direct Debit.
Your payment must reach us by the due date shown on your statement. If you pay by Direct Debit, any additional payments you make before your collection date may also reduce your Direct Debit. Learn more about how additional payments affect your Direct Debit.
We recommend keeping a close eye on your statement and Online Account Manager each month to check the amount we will collect (remember the amount we collect will change if your fixed amount doesn’t cover your payment requested). We will also notify you when a recommended extra payment has been added to your statement. You can also set up alerts at any time via the Online Account Manager to let you know when your payment is due.
The most convenient way to make sure you never miss a payment is to set up a Direct Debit. You can set one up or change the amount you pay by visiting Direct Debit in your mobile app or Online Account Manager.
If you prefer to make payments yourself or have a Direct Debit but would like to make additional payments, visit make a payment for more options including Debit Card payments and Pay Online.
Alternatively, you can pay by faster payment directly from your bank. Many banks will have our payment details pre-populated for you to select, however if for any reason they are unavailable, please use the details as follows:
If you prefer to make payments yourself or have a Direct Debit but would like to make additional payments, visit make a payment for more options including Debit Card payments and Pay Online.
Alternatively, you can pay by faster payment directly from your bank. Many banks will have our payment details pre-populated for you to select, however if for any reason they are unavailable, please use the details as follows:
- Payee name: NewDay Ltd
- Reference: Your Aqua account number
- Sort-code: 40-05-30
- Account: 84603001
Additional payments
With a Direct Debit, you always have the option to make additional payments if it suits you. If you do this four or more working days before your Direct Debit is collected, the amount we take will reduce by the amount you’ve paid. However, any additional payments you make three or fewer working days before your Direct Debit date won’t reduce the amount we collect. This means you may overpay.
If a refund is paid into your account it won’t affect your Direct Debit at all.
If a refund is paid into your account it won’t affect your Direct Debit at all.
Contactless payments
No, you'll need to use your PIN to do that.
There are a number of possible reasons why your contactless payments do not go through. For example because your contactless card or the terminal you are using are not working correctly. Also, from time to time we may ask you to enter your PIN to make sure your card is in safe hands and protect you from fraud.If a contactless payment isn’t approved, please try chip & PIN. You should also check that you have not gone over your credit limit. You can check your balance by logging into your Online Account Manager. If you continue to have problems using your contactless card, you can contact 0330 838 0181.
In the UK, there is no daily limit on the number of contactless payments a customer can make. There is usually a limit of £100 per transaction using contactless. To keep your account secure, every now and then you’ll be asked to enter your PIN again. You must ensure your purchases do not take you over your agreed credit limit. If it does, you may be charged an overlimit fee.
No. There's no fee for making contactless transactions.
1. Look for the contactless symbol displayed on the shop’s terminal when you’re paying.
2. When instructed, touch your card to the card reader. Sometimes this is on the screen; sometimes it’s on the side of the reader. (If you’re not sure, ask the retailer.)
3. A beep or green light lets you know your payment is being processed.
Sometimes you may be asked to pay by using your PIN instead of making a contactless transaction. This is for extra security, so that we can check the card is still in your hands.
Also, if your card is new or a replacement, your will need to enter your PIN for the first transaction you want to make.
2. When instructed, touch your card to the card reader. Sometimes this is on the screen; sometimes it’s on the side of the reader. (If you’re not sure, ask the retailer.)
3. A beep or green light lets you know your payment is being processed.
Sometimes you may be asked to pay by using your PIN instead of making a contactless transaction. This is for extra security, so that we can check the card is still in your hands.
Also, if your card is new or a replacement, your will need to enter your PIN for the first transaction you want to make.
Before you can use contactless you will need to make one chip and PIN transaction, after that you can use contactless wherever contactless is accepted. You can make contactless transactions for anything that's £100 or less, you can use chip and PIN for anything above this amount. Contactless transactions are just as secure as chip and PIN.
How payments are allocated
If you don't pay your balance in full, we'll allocate payments to balances on your statement with the highest interest rates first. There are some exceptions to this, such as if you're paying instalments or are on a PayDown plan. For more information check the 'how do we apply payments to the different balances?' section of your Credit Card Agreement.
Persistent debt PayDown Plan
Your contractual minimum payment is your PayDown Plan amount plus twice the amount of interest and fees on any balance not in the PayDown Plan. This ensures you're always paying back faster and keep your account out of persistent debt.
Postal address for card payments
Our address is:
Aqua Customer Services - PO BOX 173 - Sheffield - S98 1JW
It will take up to seven working days for us to receive post and we do not accept cash payments.
Aqua Customer Services - PO BOX 173 - Sheffield - S98 1JW
It will take up to seven working days for us to receive post and we do not accept cash payments.
Preauthorised transactions
There are some transactions where the final price can still be unknown when you agree to it. When you book a hotel or hire a car, for example. When this happens the retailer will try to make sure you have enough money by reserving, or blocking, funds in your account. This is called a preauthorised transaction and results in your available balance going down without any money coming out of your account. It is not classed as a transaction.
Only the exact amount you have authorised will be blocked with the retailer. Once the retailer confirms the final transaction value with NewDay, the money will be released from your Aqua card to the retailer.
Only the exact amount you have authorised will be blocked with the retailer. Once the retailer confirms the final transaction value with NewDay, the money will be released from your Aqua card to the retailer.
Using your card abroad
You can use your card overseas but only as a chip and PIN card as the contactless functionality cannot be used abroad.
You can see more information about Mastercard exchange rates by visiting https://www.mastercard.com/global/currencyconversionIf your transaction is converted by the Retailer/Merchant or ATM operator, Mastercard foreign exchange rates will not apply. This will usually occur when you select to pay in sterling (GBP) as opposed to the currency of the retailer/merchant or ATM.The rates used in our calculator reflect the latest rates we hold - this is updated each working day.Please note that when transactions are applied to your account there may be a difference in time between when the transaction is authorised (generally the day you make the transaction) and when it is charged (which may be several working days later). Therefore rates shown here may not match those used when the transaction is applied to your account. You can check your statement to view the exchange rate that was used for a specific transaction and the value of any fee charged.
Yes, you can use your Aqua Mastercard everywhere you see the Mastercard logo. Each time you use your card abroad, you'll be charged a foreign exchange fee as your transaction will be in a different currency. This fee will be recorded on your statement as a separate charge. For further details, check your card's terms and conditions.
Problems with transactions
There are different types of claims you can raise depending on the issue you're having:
- Fraud: Raised when there's been spending on your account that you haven't authorised
- Dispute: Raised if you've authorised a purchase, but it hasn't gone as expected
- Section 75: Raised where your transaction isn't covered by the Mastercard disputes rules
Payments can take up to 5 working days to appear in your account. If it’s been longer than that, here’s what to do.First, check that you sent the payment to the right place. The correct bank details for Aqua are:
- Account No: 84603001
- Sort code: 40-05-30
Google Pay
You can use Google Pay on most Android™ devices, as long as they run Android KitKat® 4.4 or above and have near-field communication technology (NFC).
You can find more information here:
https://support.google.com/pay/answer/7643995?hl=en&ref_topic=7625138
You can find more information here:
https://support.google.com/pay/answer/7643995?hl=en&ref_topic=7625138
The easiest way to add your Aqua card to Google Pay is via the Aqua app, if you haven’t already, download it today from Google Play. Once in the app, follow these instructions to add your card to Google Pay:
- In the ‘my card’ tab select ‘add Card to Google Pay’
- Open the Google Pay app
- Open the 'payment' tab
- Select ‘+ payment method’
- Follow the instructions to add your card to your Google Pay app
Open your Google Pay app and drag the card to the front.
Paying in stores:
To pay with Google Pay, wake up your Android phone and hold it near the reader until you see a check mark.
Paying in apps and on websites:
Select Google Pay at checkout and confirm your purchase.
To pay with Google Pay, wake up your Android phone and hold it near the reader until you see a check mark.
Paying in apps and on websites:
Select Google Pay at checkout and confirm your purchase.
Google Pay doesn’t send your real card number to the merchant – instead a single-use virtual account number is assigned. Your Aqua card details aren’t stored on your device and your phone must be unlocked for all payments over £45.
No, if you’ve gone over your limit or missed a payment, your card won’t work on Google Pay.
You can make payments for any amount, so long as your credit limit allows. But some merchants apply a contactless limit of £45. Transactions made in-app and online aren’t limited to a specific amount.
If your phone has been lost or stolen, or compromised in any other way, you’ll need to call our Contact Centre on 0333 220 2691* immediately to disable your card in Google Pay. You can use Find My Device to lock it, using the following link:
https://www.google.com/android/find.
You can then secure it with a new password, or erase your personal data. Your physical card won’t be disabled if you request to only disable Google Pay.
https://www.google.com/android/find.
You can then secure it with a new password, or erase your personal data. Your physical card won’t be disabled if you request to only disable Google Pay.
After reporting your card lost or stolen, your new physical card will be sent in the post. Your card in your Google Pay wallet will be immediately linked to this new physical card. This means you can still spend via Google Pay while you wait for your new card to arrive.
Google Pay can be used anywhere you see the Google Pay or Contactless icons around the world.
Yes, Google Pay can be used anywhere you see the Google Pay or Contactless icons.
Yes, additional cardholders can add their card to their Google Pay.
Apple Pay
- iPhone 6 or later
- Apple Watch: requires iPhone 6 or later
- iPad: iPad Pro, 5th generation iPad, iPad Air 2, iPad mini 3 and later
- Mac: Mac 2012 or later with an Apple Pay-enabled iPhone or Apple Watch, Mac models with Touch ID
The easiest way to add your Aqua card to Apple Pay is in the Aqua app. If you haven’t already, download it today from the App Store. Once in the app, follow these instructions to add your card to Apple Pay:
- In the ‘my card’ tab select ‘add to Apple Wallet’
- For iPhone, open the Wallet app and tap the ‘+’ sign in the top right corner, then follow the instructions to add your card to your wallet
- For Apple Watch, open the Apple Watch app on your iPhone and select ‘Wallet & Apple Pay’, then tap ‘add credit or debit card’
- For iPad, open ’settings’, select ‘Wallet & Apple Pay’, then tap ‘add credit or debit card’
- For MacBook Pro with Touch ID, open ‘system preferences’, select ‘Wallet & Apple Pay’, then select ‘add card’
Open your Wallet app and drag the card to the front.
Paying in stores:
To pay with Face ID, double-click the side button, glance at your screen, then hold iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader.
Paying in apps and on websites:
On your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID. On your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.
To pay with Face ID, double-click the side button, glance at your screen, then hold iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader.
Paying in apps and on websites:
On your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID. On your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.
Apple Pay doesn’t send your real card number to the merchant –instead a unique code is assigned. Your Aqua card details aren’t stored on your device, because when you pay using Apple Pay the data is encrypted. Every payment you make requires Touch ID, Face ID or a passcode for added security.
No, if you’ve gone over your limit or missed a payment your card won’t work on Apple Pay.
You can make payments for any amount so long as your credit limit allows. But some merchants apply a contactless limit of £45. Transactions made in-app and online aren’t limited to a specific amount.
If your phone has been lost or stolen, or compromised in any other way, you’ll need to call our Contact Centre on 0333 220 2691* immediately to disable your card in Apple Pay. You can use Find My iPhone to set your device in ‘lost mode’ using the following link: https://www.icloud.com/find. You can then secure it with a new password, or erase your personal data. Your physical card won’t be disabled if you request to only disable Apple Pay.
After reporting your card lost or stolen, your new physical card will be sent in the post. Your card in your Apple Pay wallet will be immediately linked to this new physical card. This means you can still spend via Apple Pay while you wait for your new card to arrive.
Apple Pay can be used anywhere you see the Apple Pay or Contactless icons around the world.
Yes, Apple Pay can be used anywhere you see the Apple Pay or Contactless icons.
Yes, additional cardholders can add their card to their Apple Pay.
Trusted Retailers
It’s a personalised list of the retailers you frequently shop at online with your card.Add your favourite eligible retailers to your Trusted Retailers List so that you can skip our extra security checks, such as One Time Passcodes (OTPs) sent to your mobile, whenever you shop at these retailers online, unless we need to check it’s you. It’s still highly secure: your purchases will continue to be protected by our security and fraud systems and we’ll still check it’s you, if we need to.Your Trusted Retailer List will keep your online shopping simple, fast and secure.
You can set it up though your Aqua Mastercard app or Online Account Manager.
- Simply open your Aqua Mastercard app or Online Account Manager. Don’t have the app or Online Account Manager? You can download the Aqua Mastercard app and register by following the prompts. You can also register for Online Account Manager here.
- Go to Account Settings, then Trusted Retailers List.
- Add your eligible retailers and enjoy the benefits the next time you shop with your card online.
Yes, even without our extra security checks we will still verify you in the background with our security and fraud protection systems. If we need to, we’ll apply our extra security checks, such as a One-Time Passcodes (OTPs) sent to your mobile, to check it’s you making the purchase.
You can manage your Trusted Retailer List via your Aqua Mastercard app or in your Online Account Manager.
- Simply open your Aqua Mastercard app or Online Account Manager. Don’t have the app or Online Account Manager? You can download the Aqua Mastercard app and register by following the prompts. You can also register for Online Account Manager here.
- Go to ‘Account Settings’ and select ‘Trusted Retailers List’, here you can add, remove or manage your retailers.
- If you have eligible retailers to add to your Trusted Retailer List, select ‘Add Trusted Retailers’ and the next time you shop, you’ll speed through their checkout.
Adding your favourite eligible retailers to your Trusted Retailers List means you’ll skip our extra security checks whenever you shop at these retailers, unless we need to check it’s you. The advantages include:
- It’s easy and saves time: You won’t have to pass our extra security checks, leaving you to enjoy a simple and faster checkout experience.
- Secure and protected: Your purchases will continue to be monitored and protected by our security and fraud systems. From time to time, we’ll still check it’s you, if we need to.
- Manage it all online: You can add and remove your eligible retailers quickly and securely through the app or Online Account Manager, so you’re always in control.
No, your additional cardholder will not have their own Trusted Retailer List. You can however extend your own Trusted Retailer List to benefit your additional cardholders. You can do this online in the app or Online Account Manager - see the FAQ on ‘How do I add, remove or manage on my Trusted Retailer List’ above for more information.
This could be because an intermediary acts on behalf of the retailer. If you have any doubts about a transaction, please contact Customer Services immediately, by visiting the Contact us section from the help menu, so that we can investigate this for you.
Your Trusted Retailer List is an optional service, you do not need to use it.If you have previously added retailers to your Trusted Retailers List, you can remove or change your preferences in your Online Account Manager or via your Aqua Mastercard app. Removing retailers will mean we may need to apply our extra security checks every time you shop at these retailers online.
Pending transactions
If you think you have been a victim of a scam or suspect someone has accessed your personal information, report it to us immediately. Visit the contact us page.
If you need to stop a subscription from being taken and you’ve already attempted to cancel it with the retailer, please contact us.
If you didn’t make a purchase showing on your account, please contact our fraud team.
A dispute can only be raised against a transaction after it’s cleared. Once the transaction has cleared, click ‘Get Help’ on the transaction to raise a dispute quickly and easily online.
Yes, you may be able to do this before the transaction has cleared. You’d need to speak to the retailer as we can’t cancel a pending transaction on your behalf.
A pending transaction is one that we’ve authorised, but it’s being processed by the retailer and is waiting to leave your account. This will not reflect in your current balance until it has cleared, but it will adjust your available-to-spend balance.
Digital Wallets
It's a way to spend securely with your credit card using your phone or other mobile device, so you can pay for goods and services without needing your physical card. The most popular digital wallets are Apple Pay and Google Pay.
You can add it through the Aqua Mastercard app or directly through your device's wallet settings.In the app, just head to the ‘my card’ tab in the navigation bar, choose ‘add to Apple Wallet’ or ‘add to Google Wallet’ and follow the prompts.Or open the Wallet app on your Apple device or the Google Pay app on your Android device, then follow the instructions to add your card as a payment method.
There are multiple layers of security, so you’ll have complete peace of mind. Most transactions need authentication the same way you unlock your phone – with a PIN, fingerprint or face recognition. Plus, your card details are encrypted. They aren’t stored on your device, and they’re never shared with Apple, Google or the businesses you pay with your digital wallet. And if your phone is lost or stolen, it’s easy to block it.
You can spend with your digital wallet wherever you see a contactless symbol on the card reader.If you’re using Apple Pay with an iPhone:
- Double-click the side button.
- Authenticate with Face ID, Touch ID or passcode.
- Hold your iPhone near the card reader until you see the ‘done’ tick.
- Wake up and unlock your phone.
- Hold it over the contactless payment symbol.
- Wait for a confirmation tick to appear.
Just use ‘find my iPhone’ or ‘find my device’ to block it, so nobody can use your digital wallet to spend. It’s a good idea to freeze your card within the Aqua Mastercard app or Online Account Manager, or get in touch with us, so we can disable your Aqua card, too.
Yes, you can use it wherever contactless payments are accepted. Just make sure your device is charged, and you're all set.Keep in mind that you’ll pay foreign exchange fees when you use your Aqua credit card or digital wallet overseas. Find out more about using your card abroad.
If that happens, your Aqua card won't work in the digital wallet until you've sorted things out with us.
Yes, you'll earn rewards just like you would with your physical card.
Direct Debit
Once we’ve set up your Direct Debit, we’ll send you an email or SMS the next working day letting you know that your Advance Notice document and Direct Debit guarantee are available in your Online Account Manager.
These documents give you more information about your Direct Debit. If you haven’t given us an email or mobile number, we’ll post them to you.
With a Direct Debit, you always have the option to make additional payments if it suits you. If you do this four or more working days before your Direct Debit is collected, the amount we take will reduce by the amount you’ve paid. However, any additional payments you make three or fewer working days before your Direct Debit date won’t reduce the amount we collect. This means you may overpay.
These documents give you more information about your Direct Debit. If you haven’t given us an email or mobile number, we’ll post them to you.
With a Direct Debit, you always have the option to make additional payments if it suits you. If you do this four or more working days before your Direct Debit is collected, the amount we take will reduce by the amount you’ve paid. However, any additional payments you make three or fewer working days before your Direct Debit date won’t reduce the amount we collect. This means you may overpay.
Yes you can easily set up, change or cancel a Direct Debit at any time. Please visit Direct Debit in your mobile app or Online Account Manager and follow on-screen guides to choose one that's best for you.
Setting up a Direct Debit can take up to six working days from the date you tell us to set one up. Please use an alternative payment method until your Direct Debit is in place
When you set up your Direct Debit, we’ll let you know if it’ll be in place for your next collection date.
When you set up your Direct Debit, we’ll let you know if it’ll be in place for your next collection date.
If you have an existing fixed Direct Debit and want to make any changes to the amount we collect, or your bank account details, we will ask you to change to a Fixed Direct Debit Plus. This may mean that we increase the amount we collect if your fixed amount doesn’t cover your payment requested.
You choose a fixed amount which we will collect every month however if it doesn’t cover your payment requested including any optional recommended extra payment (when shown on your statement), we will collect that amount unless you tell us you do not want to pay the recommended extra payment that month.For example:Payment requested = £70 (made up of contractual minimum payment of £50 and a recommended extra payment of £20)
- If your chosen fixed amount is more than £70, we will collect your fixed amount.
- If your chosen fixed amount is less than £70, we will collect £70.
Recommended Extra Payments
If you have opted out of paying Recommended Extra Payments you can pay your full balance, just the minimum payment, or any amount in between the minimum payment and the full balance. However please keep in mind if you only pay the minimum payment (or close to it) this means it costs you more and takes longer to repay your debt.
Boosted Payments
Boosted payments help you clear your balance faster and save on interest. It will pay your:
- contractual minimum payment (plus any arrears)
- monthly instalment payments, if applicable
- plus, a Boost Payment, which will vary depending on your balance.For example, if you had a purchase balance of £1,000 with an interest rate of 39.9% per annum, and you only paid the contractual minimum payment each month, it could take 20 years and 11 months to pay it off. You would pay £2,580 in interest alone. However, if you made a Boosted Payment each month of £71 this could reduce to £640 and you'd pay off your balance in just 6 years and 8 months; assuming you didn't miss any payments, your interest rate does not change and there was no further spend.
You can make Boosted Payments manually online or by calling us or by setting up or amending an existing Direct Debit. If you set up a Direct Debit, the amount will be shown on your statement and your account summary online each month before your Direct Debit is collected.
The Boosted Payment amount may change each month depending on your balance so it is important you check your statement.
- contractual minimum payment (plus any arrears)
- monthly instalment payments, if applicable
- plus, a Boost Payment, which will vary depending on your balance.For example, if you had a purchase balance of £1,000 with an interest rate of 39.9% per annum, and you only paid the contractual minimum payment each month, it could take 20 years and 11 months to pay it off. You would pay £2,580 in interest alone. However, if you made a Boosted Payment each month of £71 this could reduce to £640 and you'd pay off your balance in just 6 years and 8 months; assuming you didn't miss any payments, your interest rate does not change and there was no further spend.
You can make Boosted Payments manually online or by calling us or by setting up or amending an existing Direct Debit. If you set up a Direct Debit, the amount will be shown on your statement and your account summary online each month before your Direct Debit is collected.
The Boosted Payment amount may change each month depending on your balance so it is important you check your statement.
You can make Boosted Payments manually online or by calling our automated customer service line. You can also set up or amend an existing Direct Debit to make Boosted Payments. If you set up a Direct Debit, the amount will be shown on your statement and your account summary online each month before your Direct Debit is collected.The Boosted Payment amount may change each month depending on your balance so it is important you check your statement.
If you have set up a Boosted Payment Direct Debit, you are able to change this at any time in your Online Account Manager or in the mobile app, if you have one.
Click to Pay
If you’ve changed or cancelled your Click to Pay enrolment directly on the Mastercard website, this doesn’t automatically update in our systems. As a result, our app may still show your card as enrolled even though it has been removed with Mastercard. If you’d like to re-enrol, please contact us and we’ll reset your enrolment status so you can add your card again in the app.
It’s an online checkout service offered by Mastercard® that gives you a quick, easy and secure way to spend online.
It’s password-free, so all you have to do is enrol and save your card details securely. After that, you’ll be able to pay online in a few clicks wherever you see the Click to Pay icon.
It’s password-free, so all you have to do is enrol and save your card details securely. After that, you’ll be able to pay online in a few clicks wherever you see the Click to Pay icon.
All you have to do is enrol, and your card and address details will be saved securely. After that, you can shop online with retailers that accept Click to Pay and you won’t have to enter your details again.
You’ll be able to check out with Click to Pay wherever you see the Click to Pay icon and your Aqua Mastercard is accepted.
Here’s how to enrol: At checkout: if you’re shopping online at a retailer that uses Click to Pay, you can set up a profile at checkout. Just look for the Click to Pay icon. In the Aqua Mastercard app: go to the ‘my card’ tab and tap ‘add to Click to Pay’. A Click to Pay profile will be created and your card will be added.
If you already have a Mastercard Click to Pay profile, you’ll just need to add your card. Here’s how: At checkout: if you’re shopping at a retailer that uses Click to Pay, you can add your card using the Click to Pay icon at checkout. In the Aqua Mastercard app: go to the ‘my card’ tab and tap ‘add to Click to Pay’. Your card will automatically be added to your Click to Pay profile.
You can manage your profile from the Mastercard website, directly or in the Aqua Mastercard app. You’ll be able to:
- Delete your card
- Add or delete your shipping address
- Edit your phone number
- Delete your Mastercard Click to Pay profile
If you receive a new card with the same card number, for example when your card is reissued, it’ll automatically update in your Click to Pay profile. If your card is lost or stolen and you get a new one with a different card number, you’ll need to register your new card on your Click to Pay profile.
Yes, you can add multiple payment cards to your profile and choose which card you want to use at checkout. If you're unsure whether another card supports Click to Pay, please contact the card provider directly.
Instalment Plans
Your app or Online Account Manager will show which purchase transactions, made within the last 10 days, are eligible to be repaid using an instalment plan. You can’t set up an instalment plan to repay other types of transactions such as balance transfer or cash.
Each month you will need to pay at least your contractual minimum payment, plus your monthly instalment payment. There are no fees to pay, but you will be charged interest at the rate shown when you set up your instalment plan. The interest you owe on the plan will be included in your monthly instalment payment.
Payments towards your instalment plan are optional – you won’t go into arrears if you choose to pay only your contractual minimum payment. However, your instalment plan will be cancelled, and we’ll add the money you still owe to your purchase balance. You'll pay your standard purchase rate of interest on it.Remember that, if you only pay your contractual minimum payment each month, it will take you longer and cost you more to clear your balance.If you can’t afford to make the payment and you’re experiencing financial difficulties, please speak to Customer Services on 0333 414 1090.
No, you don’t need to change anything. If your Direct Debit needs to increase (to cover your monthly instalment payment and your contractual minimum) then we’ll increase it for you.
If your Direct Debit it set to pay your full statement balance, we won’t include the instalment plan amount – just your standard purchase balance and all other balances (e.g. balance transfers), plus your monthly instalment payment.For example, let’s say you have a £250 standard purchase balance and a £300 instalment plan (split across three equal monthly payments of £100 each).In this scenario, if your Direct Debit were set to pay your full statement balance, we would take £350. i.e. your £250 standard purchase balance plus one monthly instalment payment of £100.
No, while you have an instalment plan set up, you won’t be able to make cash transactions of any kind.
In addition to withdrawing cash, all of the following are treated as cash transactions:•Making wire transfers•Payments to financial organisations eg repaying borrowing such as personal loans, car finance, mortgages or Buy Now Pay Later products•Buying lottery tickets•Making investments
Yes, you can set up multiple instalment plans. Your app or Online Account Manager will show which purchase transactions are eligible to be repaid using an instalment plan.
Once your instalment plan has been set up, you’ll receive a confirmation email. There will be a section in your monthly statement with details of all your current instalment plans. You can also view information on your instalment plans via your app or Online Account Manager.
This can happen if it takes us a few days to set up your plan.Interest is calculated daily. So the time gap means you’ll have a little less interest to pay than we estimated – lowering your instalment amount.
The Payment Requested will be less than the total of the monthly instalment payment and the contractual minimum payment. This is because your contractual minimum payment is calculated using your full outstanding balance, including the instalment balance. Don’t worry, your Payment Requested will be enough to cover your contractual minimum and your monthly instalment payments.
Your plan won’t be cancelled if your purchase is refunded. You’ll need to cancel it yourself (otherwise, your repayments will simply be credited to your account).
When you pay more than the Payment Requested in your statement, the additional amount will be first applied to the part of your balance with highest rate of interest (e.g. flexible credit balance). If your instalment plan balance hasn’t been reduced, it’s because you have balances that are being charged at a higher rate of interest than your instalment plan.
No, the interest rate on your instalment plan is fixed. This means that any change to the interest rates on your account, including changes to the Bank of England Base Rate, won’t affect your instalment plan. This ensures that instalments give you a clear, fixed plan for how and when you’ll pay the off purchase.Please bear in mind that if your rates decrease and you don’t have a promotional rate instalment plan, it may not be beneficial to keep that instalment plan going. When we write to you about a decrease in your rates, we’ll let you know that you should consider your options.
Get the security of Apple Pay plus the convenience of our instalment plan, in five simple steps:1. Tap the ‘Apple Pay’ button at online or in-app checkout.2. Select your Aqua card and tap it to see your payment options. If your Aqua card isn’t your default one, go to ‘other cards & pay later options’ to select your card.3. Tap ‘pay later’ to view your available plans.4. Choose the plan that works best for you.5. Complete your purchase securely with Face ID, Touch ID or your passcode.Please note, when you add your Aqua card to Apple Pay for the first time, it may take up to three working days for instalment plans to become available at online or in-app checkouts.
Instalment plans are a great way to split the cost of bigger buys – giving you a clear, fixed plan for how and when you’ll pay it off. With an instalment plan, you spread the cost of your purchase across equal monthly instalments. This can help you clear your balance faster and save you money on interest compared to just paying your contractual minimum each month.You can choose to set up an instalment plan for most purchases of £30 or more:
- Right at checkout
- Within ten days
Editing Instalments
Yes, you can make certain changes to your existing instalment plan:
- Update the length of your plan, or ‘plan term’
- Rename your instalment plan
You can edit your instalment plan directly in the app or your Online Account Manager.When editing your plan, please read all the information carefully, as it explains how any changes may affect your payments.It’s quick and easy to edit your instalment plan. Simply tap the plan you want to edit, which will reveal the ‘edit’ button. Then follow the steps on screen.
Yes, there are instalment plans that can’t be edited. You can’t edit:
- Any instalment plans created before you buy. This includes any made through personal loans from NewDay brands like Aqua, marbles or Fluid, balance transfers or money transfers, for example.
- Plans with promotional interest rates – these can only be cancelled.
Editing your instalment plan can change your monthly payment and, in some cases, the total cost. This depends on the repayment term you choose.You’ll always see a clear summary before confirming any changes.
Before you confirm your edit, we’ll show you exactly what your new repayment amount will be – so you always know what to expect.Once you confirm, the new amount will apply from your next statement date.
Your details will update as soon as you complete the edit.Go to the ‘Instalment plans’ section and select the plan you’ve edited. You’ll be able to see your new term, monthly repayment and remaining balance straight away.
Yes, plans set up through Apple Pay can be edited in the app or your Online Account Manager, just like any other eligible instalment plan.
When you first set up an instalment plan, the interest rate is based on your standard purchase rate at that time.If you edit your plan, the rate will update to match your standard purchase rate at the point you make the change.
Grouping Instalments
With the ‘grouping’ feature, you can group up to ten transactions into one instalment plan and pay with a single monthly payment.For example, say you bought a washing machine for £300, a vacuum cleaner for £200 and a dining table for £500. You could group these three transactions into a single instalment plan for a total of £1000 and make one monthly payment towards all three purchases.
No, there’s no fee to group transactions. However, the normal instalment plan charges will still apply.
You can group a transaction if:
- It was over £30
- It was made within the last ten days
- It’s eligible for instalments
- In the app: go to ‘transactions’. If a transaction is eligible for instalments, it’ll be labelled ‘spread the cost with an instalment plan’.
- In your Online Account Manager: go to ‘account summary’. If a transaction is eligible for instalments, it’ll be labelled ‘spread the cost with an instalment plan’.
Go to the ‘Instalment plans’ section. You can get there from the ‘pay’ tab. Select ‘Instalment plans’, then tap ‘create plan’ and you’ll be able to see transactions you can group.