What Marbles does

Marbles is a UK consumer credit card brand operated by NewDay Ltd, a privately held, FCA-authorised financial services company incorporated in England and Wales; the 'marbles' trademark is owned by NewDay Cards Ltd and licensed to NewDay Ltd, with both entities sitting within the NewDay Group. Its core product is a single Classic Credit Card aimed at UK residents aged 18 and over who are building or rebuilding credit history, with capped credit limits of £250-£1,500, no annual fee and a 34.9% representative APR (variable). Acquisition is fully digital and self-serve through marbles.com, fronted by the FastCheck eligibility checker — a soft-search pre-screen powered by HD Decisions (an Experian business) that returns an acceptance-likelihood indication without leaving a footprint on the applicant's credit file, after which customers complete the full online application. Account servicing is delivered through a web portal and mobile app with 24/7 transaction monitoring, SSL encryption and firewall protection, behavioural biometric login security, SMS spending alerts, and tokenisation via Apple Pay and Google Pay.

The business monetises through three primary streams: interest on revolving balances (34.9% APR representative, variable), interchange fees on Mastercard-issued spend, and cash advance fees. Underwriting relies on data from UK credit reference agencies (Experian, Equifax, TransUnion/CallCredit, Crediva), the HD Decisions soft-search engine, open banking feeds and NewDay's own book performance, with dedicated 24/7 fraud and security teams supported by ThreatMetrix. Distribution is exclusively direct-to-consumer with no branch network, supported by a broad paid-media and affiliate stack (Google, Facebook, TikTok, Snapchat, Microsoft Ads, Reddit, Mouseflow, TotallyMoney and other affiliate partners). Marbles is a member of the Finance and Leasing Association and subscribes to the FLA Lending Code, reinforcing its positioning as a regulated, responsible-lending product for the near-prime and thin-file UK consumer segment.

Name

Marbles

Legal name

NewDay Ltd

Website

https://marbles.com

Company type

Private

Operating status

Operating

Short description

Marbles is a UK consumer credit card brand operated by NewDay Ltd, offering a single Classic Credit Card (£250-£1,500 limit, 34.9% APR) targeted at UK adults seeking to build or rebuild credit history, acquired via a fully digital self-serve funnel centred on the FastCheck soft-search eligibility checker.

Ownership category

akta.pro rank

Product category

Consumer Credit Cards

NAICS

Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

General Purpose Credit Cards (FSAKABAA)

Keywords

• Consumer credit cards
• Credit building
• UK credit cards
• Online account management
• Soft search eligibility

Headquarters

HQ city

Sheffield

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit Card Interest: Interest charges on revolving balances when customers do not pay their full statement balance by the payment due date. 34.9% APR Representative (variable).
2. Interchange Fees: Transaction fees earned when customers use their Mastercard credit card for purchases worldwide.
3. Cash Advance Fees: Fees charged for cash withdrawals wherever customers are in the world.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Marbles is a UK consumer credit card brand that issues a Mastercard credit card designed to help individuals build or rebuild their credit history, with manageable credit limits from £250 to £1,500, no annual fee, and 34.9% representative APR (variable). It supports the card with the FastCheck soft-search eligibility checker (powered by HD Decisions, an Experian business), an online account manager, free SMS spending alerts, and Apple Pay/Google Pay wallet support, distributed exclusively direct-to-consumer via the marbles.com website.

Product overview

marbles is a consumer credit card brand operated by NewDay Ltd, a UK financial services company authorised and regulated by the Financial Conduct Authority. The product portfolio centres on the marbles Classic Credit Card — a single credit card product aimed at consumers looking to build or rebuild their credit history. The core card is supported by the FastCheck Eligibility Checker, which uses HD Decisions (an Experian business) to perform soft-search eligibility assessments, and an Online Account Manager for self-service account management. Digital wallet support (Apple Pay and Google Pay) is built in. The product is exclusively distributed direct-to-consumer via the marbles.com website.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Soft search eligibility check has no impact on credit rating
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration27 records

AI capability2 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• HD Decisions (Experian)coreTechnology or IntegrationHD Decisions, an Experian company, provides the FastCheck eligibility checking service that uses soft search technology to assess customer eligibility without impacting credit scores.
• MastercardcoreTechnology or IntegrationMarbles is a Mastercard credit card accepted worldwide at millions of merchants. Mastercard also provides advisory consulting services, managed services and data analytical services to NewDay Group.
• TotallyMoney (Media Ingenuity Ltd)minorChannel Partner/ Reseller/ DistributorWhen customers are not eligible for marbles, they may be presented with alternative credit products through TotallyMoney.
• Experian, Equifax, TransUnion, CallCreditcoreTechnology or IntegrationCredit reference agencies (CRAs) used for credit checks, identity verification, and fraud prevention. CRAs supply information about financial situation, financial history, and fraud prevention data.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Aqua (NewDay brand): Aqua is a sister credit-builder card brand also operated by NewDay Ltd under FCA authorisation, targeting UK consumers with limited or impaired credit history. Same parent group, same distribution model, same target segment - the closest possible comparable to Marbles.
• Vanquis Credit Card: Vanquis is a long-standing UK credit-builder card issuer targeting near-prime and subprime customers with similar low credit limits and rebuilding focus. Directly comparable on product, segment and UK regulatory environment to Marbles.
• Capital One UK: Capital One's UK card portfolio (including the Classic card) explicitly targets customers building or rebuilding credit history. Comparable product positioning, UK market focus and Mastercard acceptance overlap materially with Marbles.
• Fluid (NewDay brand): Fluid is another credit-builder brand operated under NewDay Ltd, with digital onboarding and credit limit reviews aimed at UK thin-file customers. Sister brand sharing parent infrastructure, regulator and core customer segment with Marbles.
• Tesco Bank Credit Card: Tesco Bank's Mastercard credit cards serve UK consumers including those building credit history, with similar credit limit ranges and a focus on mainstream accessibility. Direct competitor for UK consumer credit card wallet share with Marbles.

Emerging players

• Zopa: Zopa is a UK digital bank that has launched a credit card targeting customers seeking to build credit, using open banking and digital onboarding. Comparable target segment and digital-first model, but with broader product suite (savings, loans) than Marbles.
• Monzo: Monzo is a UK challenger bank that has launched its own credit card products targeting thin-file and credit-builder customers via digital onboarding. Comparable target segment and digital-first ethos; broader product suite gives Monzo cross-sell leverage that Marbles lacks.

Broad incumbents

• Barclaycard: Barclaycard is one of the largest UK credit card issuers with a broad portfolio including cards aimed at credit-builders (e.g., Barclaycard Initial). Comparable product category and market, but vastly larger scale and a much wider customer mix.
• Lloyds Bank Credit Cards: Lloyds is a major UK incumbent credit card issuer with broad consumer offerings. Different core target than Marbles (broader prime book) but competing for the same UK consumer credit card wallet and subject to the same FCA regulatory environment.

Others

• ClearScore: ClearScore is a UK credit-scoring and marketplace platform showing consumers their credit report and matched card offers. It is adjacent to Marbles as a key acquisition channel and data ecosystem participant in the same UK credit-builder segment, though not a card issuer itself.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Marbles