The highest limit available on aqua’s range of credit cards is £1,200. Approval for this amount is subject to you meeting their criteria and passing credit checks. With a short-term loan from Sunny, you can borrow up to £2,500. This amount will allow you to cover a wide range of important expenses, from urgent car repairs to vet bills.
You cannot transfer money from your aqua card to a bank account. However, you can make cash withdrawals using your card but they will be subject to additional charges, usually 3% of the transaction at a minimum of £3.
If you opt for a short-term loan, however, the money is transferred directly into your bank account to use as you wish and there are no charges to withdraw it.
aqua is a trademark of NewDay (formerly SAV Credit). This is a brand used by the high street brand Halifax, under licence.
Most aqua credit cards are now contactless but if you apply for and receive one, it’s worth checking before you use it. Look for the sideways wireless symbol on the card, this confirms it can be used as a contactless card. You can make payments up to £30 without needing your pin and get around easily on transport in London and other major cities.
An aqua card can be used anywhere that displays a Mastercard logo. Mastercard is accepted widely but look for this when online or in stores to check you can use the card before trying to pay for your goods.
You can also use your card abroad but there may be an additional exchange fee to change the currency amount.
It’s important to note that with a loan from Sunny, the money sits in your main bank account and can be withdrawn without any charges, transferred to pay bills directly and used when making a transaction with your debit card.
Based on a
30 day month
The loan term is fixed but you can repay early at any time