NewDay is a leading provider of credit to UK customers, specialising in the issuance of credit cards and unsecured personal loans within the financial services sector in the UK.

Responsibility is at the heart of our business. Our Manifesto details our commitment to be a welcoming, knowing, understanding and rewarding business. It is the foundation to our business strategy and underpins our customer relationships. It also ensures that we consider the needs of all of our stakeholders so that we make informed, fair decisions that benefit our customers, colleagues, shareholders and partners, as well as our local communities. NewDay has a responsibility to ensure that the commitment of our Manifesto is continued throughout our supply chain.

NewDay will always require that our suppliers comply with all applicable laws, regulations and standards within the geographies within which they operate. In instances where standards outlined within this document differ from local laws and customs, we expect suppliers to respect these standards within the context of the customs and the local laws of their specific geography.

This Supplier Code of Conduct outlines our expectations for suppliers we do business with; we are committed to supporting our suppliers in this respect, including working together to improve the supplier’s ability to meet these expectations. We welcome open, honest discussions with suppliers where they feel they might not be able to fully adhere to the code and the opportunity to explore solutions to these challenges. However, if suppliers continue to not be in compliance with this Code, NewDay may take steps to review the terms of the contract, including reduction in the order and exiting of the relationship.

This code of conduct applies to suppliers that are providing services to or on behalf of NewDay and third parties sub-contracted by a supplier.


As a Financial Services organisation, NewDay recognises the importance of bringing economic benefit to our workers, investors and local communities. Commercial transactions should be beneficial to all parties and based on the principles of fair and honest dealings. All our suppliers must:-

  • embed basic business principles in a Code of Business Standards or a similar policy, including such items as adherence to local laws and regulations.
  • ensure that policies are in place to stop fraud, money laundering, bribery and corruption.
  • comply with national and international sanctions policy and legislation.
  • have reasonable and lawful payment policies with their own suppliers and subcontractors.
  • perform their own supplier assessments in a transparent manner with openness and integrity.
  • identify, manage and prevent any conflicts of interest that might arise through the engagement with NewDay.


Long-term sustainability is a Board-level priority at NewDay and we recognise the importance of minimising our impact on the environment. Our Environment, Social and Governance (ESG) framework ensures appropriate focus and accountability across the business. We expect all our suppliers to:-

  • Comply with all applicable current and future environmental laws, regulations and standards including compliance with industry best practice standards for the sourcing of products and materials such as FSC, Fairtrade, MSC, labelling and other standards.
  • Reduce negative environmental impacts and provide visibility to progress toward this commitment.
  • Encourage the use of environmentally friendly technologies and practices and the reduction of negative environmental impacts throughout their supply chain.
  • Set environmental targets by maintaining environmental policies, objectives or targets that as a minimum include commitments to identify, measure and reduce significant environmental impacts.
  • Collaborate with us to innovate and develop practices that will help to improve environmental performance.

Human Rights

NewDay supports the protection of Human Rights around the world and is guided by the fundamental principles such as the International Labour Organisation (ILO) core conventions. We comply with all applicable law and regulation, including the UK Modern Slavery Act 2015.

NewDay expects suppliers to respect the human rights of their employees and to comply with all relevant legislation, regulations and directives in the countries and communities in which they operate including:-

  • Provision of a safe and hygienic working environment complying with all relevant health and safety laws and providing a working environment, for employees and visitors that minimises health and safety risks.
  • Freely chosen and fairly paid employment ensuring that all work is completed voluntarily and without slavery, servitude, forced or compulsory labour and human trafficking.
  • Avoidance of child labour where the term ‘child’ refers to any person less than 15 years of age (or 14 where the law of the country permits), unless the minimum age for work or mandatory schooling is stipulated as being higher by local law, in which case the stipulated higher age applies in that locality.
  • Avoidance of discrimination against any group on religious, social, gender or ethnic grounds or any protected classes covered under international human rights standards and such other ground as may be recognised under national law;
  • Provision to allow employees to legally organise and join associations such as labour unions
  • Provision of clear and uniformly applied disciplinary practices and grievance procedures that include provisions prohibiting mental, physical or verbal abuse.
  • Implementation of formal mechanisms to allow employees to raise concerns of operational or business practices that violate laws, regulations or company values and for the concerns to be properly filed, addressed and resolved without the fear of retaliation.

Diversity and Inclusion

NewDay has a firm commitment to enable equality of opportunity and workplace cultures that promote inclusion. We encourage our suppliers to collaborate with us to achieve excellence in equality, diversity and inclusion. We expect our suppliers to:

  • Meet the requirements of the Equality Act (2010) and demonstrate that they take their legal and moral obligations towards being a diverse employer seriously.
  • Create an inclusive environment that always avoids discrimination based on any status or characteristic that is not related to the individual’s merit or the inherent requirements of the job.
  • Drive active management of downstream supply chains as part of their commitment so that the principles of diversity and inclusion are encouraged through their supply chain.
  • Utilise and develop diverse businesses ensuring inclusive sourcing activities and decisions within their own organisations.
  • Take measures to identify and address unconscious bias within their organisations.

Compliance to the code

NewDay requires suppliers to attest to having read and understood this code, thereby acknowledging the requirements contained within. Suppliers should have good management and governance processes in place to ensure the requirements of the code can be demonstrated at all times. Furthermore, suppliers must make reasonable efforts to monitor their supply chain, ensuring their suppliers are also aware of the aims of the Code. NewDay requires all its suppliers to review their attestation on an annual basis. NewDay reserves the right to review the supplier’s policies, procedures or any other document related to adherence to this Code.