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Bip: Simple cardless credit

Bip: Simple cardless credit

Spend, save & control money

7 ratings
99 reviews
With Ads
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • June 3, 2021
  • August 11, 2026

Features

Developer

NewDay Ltd
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About

This app offers cardless credit with no hidden fees, allowing users to manage their spending and finances easily. It provides features like spending caps, instant balance updates, and 24/7 support for a secure and controlled financial experience.

✓Cardless credit access
✓Spending caps and control
✓Instant balance updates
✓No hidden fees
✓24/7 in-app support
✓Boosted payment options
✓Safe and secure payments
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+1

What's New in Bip

2026.32.1

August 11, 2026

Bug fixes and optimisations

User reviews

Most RecentHighest RatedLowest Rated

No affordability checks

Interest rate increases without informing me. Large credit limit increases 4 x one year. This is Newdays fault. I accepted them but when you’re struggling it’s a temptation
HibbyChrisHibbyChris

Transfer

Brilliant
hilllarryyhilllarryy

Love love love

My Cardless Bip• Account
𝐸𝓈𝓉 𝓉𝒽𝑒 𝒷𝑒𝓈𝓉 🥰𝐸𝓈𝓉 𝓉𝒽𝑒 𝒷𝑒𝓈𝓉 🥰

Account

Brilliant way of credit building easy to navigate and can adjust payment to pay off more than minimum payment
traceyhiggstraceyhiggs

Error message

Since December I keep getting an error message once logged in that I can’t be connected right now, to try later. Tried restarting phone and uninstalled and reinstalled app twice to no avail. Help chat told me to ring a number I can’t see how they can help me over the phone and not via chat. I even updated my iPhone 16 to iOS 26 from iOS 18, still no joy.


Thanks for coming back to me, Steve. The issue seems to have resolved itself
Show more
FabyonFabyon
See 94 more reviews

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FAQ

What is Bip?

Bip is a cardless credit app that allows users to spend, save, and control their money without a physical card. It offers a simple and transparent way to manage credit with no hidden fees, just one interest rate.

What are the key features of Bip?

Key features include quick and simple eligibility checks with no impact on your credit score, the ability to set Spending Caps, receive instant balance updates, and make secure payments via Apple Pay. It also offers 24/7 in-app support and options to boost payments.

How much does Bip cost?

The app itself is free to download and use. The cost associated with Bip is the interest rate on your credit, which is variable. There are no annual charges, late payment fees, over-limit fees, or extra charges for using Bip abroad.

Is Bip available in my country?

Bip is available to UK residents aged 18 and over, subject to status. Credit is provided by NewDay Ltd, a company authorized and regulated by the Financial Conduct Authority in the UK.

How can I use Bip for my finances?

You can use Bip to manage your everyday spending, control your budget with spending caps, and make secure online or contactless payments. The app also helps you understand how paying more than the minimum can save you money.