Argos Card is changing FAQs
What to expect from your Argos Pay Journey
In March 2025, we agreed a sale of our Argos Card to NewDay. Argos' new partnership with NewDay means they can continue to give you great value for your purchases on finance at Argos and Habitat by providing you with a wider range of repayment options.
As a result of this partnership, some updates are being made to your Argos Card – say hello to Argos Pay. Later this year, your account will become Argos Pay, a digital credit account provided by NewDay.
We're working hard to make sure your journey to Argos Pay is as smooth as possible. With Argos Pay, you can expect a wider range of repayment options, a new app and website to manage your account. Plus, there’s no plastic – just use your account details to shop online.
Here’s a quick look at what’s coming up:
February – We’ll send you your new Argos Pay terms and a summary of what’s changing. Don’t worry, there won’t be any changes to your credit limit, interest rate or existing payment plans.
March – We’ll send you info about the Argos Pay app, including when you’ll be invited to register and how to manage your account digitally after the update.
March/April – We’ll guide you through getting ready for Argos Pay.
April – Welcome to Argos Pay!
You'll be contacted when it's time for you to register for the app or Online Account Manager so you can continue to use and manage your account with Argos Pay.
No, we’ll do all the hard work for you. When the time comes, your account will be updated to Argos Pay automatically – you don’t need to re-apply. Once your account has updated you'll be able to register so you can shop and manage your account online with the Argos Pay app or Online Account Manager.
We’ll be contacting our existing Argos Card customers to tell you all about Argos Pay from January until April 2026.
How you use your account today and what's next
Yes, for the time being, you can continue to use your Argos Card as you would normally. If your Argos Card is lost or stolen, you should let us know immediately by calling us on 03456 400 700. We'll cancel your Argos Card and send you a replacement.
You can continue to use your My Argos Card App as normal, until your card updates to Argos Pay. Once your account changes over to Argos Pay, expected in April 2026, you'll use the new Argos Pay app instead. The Argos Pay team will get in touch to help you register nearer the time.
Yes, you can continue to use your Argos Card to shop instore at Argos and online at Argos and Habitat.
Yes, you can continue to use your Argos Card instore at Sainsbury’s (excluding the in-store Travel Money Bureaux) and in Sainsbury’s petrol stations (excluding Pay-At-Pump) as usual.
No, for the time being, you should continue to make payments as you do now. For example, you can pay using the My Argos Card App, over the phone using the automated payment line, via Direct Debit or by bank transfer. Remember, if you have a payment arrangement in place, you should continue to make these payments as agreed.
If you usually pay by post (cheque or postal order) we would have already let you know that this will no longer be an option from 2nd February 2026. You'll find other ways of paying on the back of your statement.
Yes, you can still apply for an Argos Card if you don’t already have one. If your application is approved, you’ll be able to use your Argos Card when you shop with us. When the time comes, we'll update your account over to Argos Pay automatically - you won't need to re-apply and there'll be no further credit check. We’ll let you know what to expect ahead of time, so the update is nice and simple.
Yes, if you're finding it hard to keep up with payments, please get in touch - we're still here to help you and we'll continue to support you through any financial difficulties. If you're finding it hard to pay your bills, there is help available. You’ll find some useful information on managing living costs at help.argos.co.uk/help/argos-card/cost-of-living-support.
Once your account has updated, NewDay will be the credit provider, the people behind your Argos Pay account. They will manage your account and their award-winning support team will be on hand to help you after the update.
Getting help and support
Yes, our contact centre is available to help you with any questions you have or support your needs as usual. Call us on 03456 400 700. We're available - Monday to Saturday, 8am to 6pm, Sunday, 10am to 6pm.
If you need any additional support or if you'd like any documents in large print, Braille or audio, you can request this for free. Please contact us on 03456 400 700, lines are open 8am-6pm Monday to Saturday, Sunday 10am-6pm.
Any arrangements for additional support you have in place will continue, unless you ask us to remove them. If you’d like to update your support preferences, please get in touch with us.
It’s important to make sure your contact details are up to date so that you:
- continue to receive information and stay up to date on the important changes happening
- can register for the Argos Pay app and Online Account Manager when the time comes
- can spend with and manage your Argos Pay account after it has been updated
You can check your details on the My Argos Card App, where you can also update your email address and mobile phone number. If you need to update your postal address, give us a call on 03456 400 700 and we'll do that for you.
Complaints, disputes and claims
For Argos Card accounts that will update to Argos Pay, we’ll continue to manage any ongoing complaints, disputes or claims until your account updates in April.
Personal Data and permissions
If you don't feel that Argos Pay will meet your needs, you can close your Argos Card account at any time. If you request to close your account, your card will be cancelled and you won’t be able to use your account anymore. You will need to continue making payments until your balance is repaid in full. If you have a balance when we update accounts to Argos Pay, the changes will still apply to you, and you’ll need to register for the new app and Online Account Manager to make payments.
It’s important to note that your data will still transfer to NewDay. NewDay will be the Controller of the Personal Data contained in the records of your account and NewDay will hold your Personal Data for all legal purposes.
It’s important to note that your data will transfer to NewDay as they have bought the account, and will therefore need your data to manage it.
If you request to close your account, your card will be cancelled, and you won’t be able to use your account anymore. You'll need to continue making payments until your balance is repaid in full, and your data will still transfer to NewDay. If there is an outstanding balance on your Argos Card account in April 2026, the changes to the Terms will still apply to your Account and your Agreement and you'll need to either register for the new Argos Pay app and Online Account Manager to continue to make payments, or choose an alternative method.
Whether your account is open or closed in April 2026 NewDay is required to hold your data for the purposes of future claims, complaints or queries, to facilitate any requests to exercise your data subject rights, and to facilitate regulatory, legislative and business analysis and reporting. NewDay will not use your data for any other purposes without your prior, express consent.
NewDay becomes the Data Controller of your Personal Data transferred to them from April 2026 and will be responsible for keeping your Personal Data safe in compliance with applicable laws. For more information about how NewDay will use your Personal Data, view their Privacy Notice at https://www.newday.co.uk/site-services/privacy-policy/
• Any permissions you have previously given to us (excluding for marketing purposes) for the operation of your account will transfer to NewDay.
• Any requests to exercise your data subject rights (including data subject access requests), relating to the Personal Data transferring to NewDay should be made to NewDay as per its Privacy Notice at https://www.newday.co.uk/site-services/privacy-policy/
When your account updates to Argos Pay, provided by NewDay, they will ask you to let them know if you’d like to receive marketing communications and by which channels. None of your previous marketing permissions will transfer to NewDay.
Your account will be transferred to NewDay. NewDay will be the Controller of the Personal Data contained in the records of your account and NewDay will hold your Personal Data for all legal purposes. If you have any questions regarding your Personal Data after your account updates to Argos Pay, you can direct them to NewDay.