# Bip: Simple cardless credit — Spend, save & control money

> Cardless credit app for spending, saving, and money management with no hidden fees. (iPhone/iPad app by NewDay Ltd.)

- Source: https://appshunter.io/ios/app/bip-simple-cardless-credit/id1541023957 (this page in markdown: same URL + `.md`)
- Developer: [NewDay Ltd](https://appshunter.io/developer/903335384)
- Category: Finance
- Price: Free
- Rating: 4.40/5 from 7 App Store ratings · 100 written reviews indexed
- Age rating: 17+
- Requires: iOS 15.0 · 197 MB
- Languages: American English
- Released: 2021-06-03
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/bip-simple-cardless-credit/id1541023957/reviews.md

## What is Bip?

This is cardless credit you control. Bip is the cardless credit app with absolutely no hidden fees.

Experience the simplicity of Bip and join a growing community of people wanting to go cardless. Check your eligibility today to be a part of it.

Smart finance and money management - here’s what you’ll get with Bip:

Quick and simple setup - Check your eligibility (there’s no impact on your credit score), then apply and add Bip to Apple Pay and you’re good to go. If you’ve already checked your eligibility online, simply pick up your application in app to continue.

Tap. Cap. Control - Set yourself Spending Caps, get instant balance updates and copy your Bip details from within the app to spend online. With no card, there’s less hanging around.

No hidden fees - Just one interest rate. No annual charges, no late payment or over limit fees and nothing extra for using Bip abroad.

24/7 support - In-app messaging means that you’ll always have support to help you with any questions you may have. Need help setting your Spending Caps? Want general advice about your cardless credit? We’re on standby.

Boosted Payments - See how much you could save yourself by paying more off each month. Use the in-app payment slider to compare boosted payments against your minimum.

Safe and secure payments - Supported by Mastercard, Bip has the standard fraud prevention and purchase protections you’d get with a regular credit card. Apple Pay is both a safe and secure way of making contactless purchases, and just as easy as a plastic credit card.

Decide how credit works for you – managing your credit has never been easier.

Download today to get started!

Representative 39.9% APR (variable). Starting credit limit from £250 to £1,200.

Don’t forget: Failure to make payments on time or to stay within your credit limit may make obtaining credit in the future more expensive and 
difficult.

Credit available only to UK residents aged 18 and over. Subject to status. Terms apply.

The APR and credit limit applicable to your account will depend on our assessment of your application.

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively. They form part of the NewDay group of companies. The registered office for these companies is 7 Handyside Street, London, N1C 4DA. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority (FCA) with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the FCA under the Payment Services Regulation 2017 (ref no: 555318) for the provision of payment services. Bip is a trademark of NewDay Cards Ltd, which is used under license by NewDay Ltd.

## Key features

- 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

## Recent user reviews (10 of 100)

All indexed reviews: https://appshunter.io/ios/app/bip-simple-cardless-credit/id1541023957/reviews.md

### 5/5 — Loving the app and credit limits applied

*2026-08-27, version 2026.35.1*

Nice and easy to manage

### 1/5 — No affordability checks

*2026-08-05, version 2026.29.3*

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

### 5/5 — Transfer

*2026-07-10, version 2026.28.1*

Brilliant

### 5/5 — Love love love

*2026-05-26, version 2026.21.1*

My Cardless Bip• Account

### 5/5 — Account

*2026-05-09, version 2026.19.1*

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

### 3/5 — Error message

*2026-01-22, version 2026.3.1*

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

### 1/5 — Thieves

*2026-01-11, version 2025.50.1*

I paid the remaining sum then all of a sudden £30 appear the following month then another £4 the following month and I haven’t been using it so I’m closing my account. Dirty rotten thieves after all I have done as well.

### 5/5 — Easy to use

*2025-12-21, version 2025.50.1*

Never had any issues with this company, all done via the app A++

### 5/5 — Crédit card use

*2025-10-25, version 2025.43.1*

Very easy to use , my best Card , I recommend it to anyone.

### 1/5 — Interest rates

*2025-10-10, version 2025.41.1*

Weird amount of interest on my balance this month.Got no help from chat.No explanation.Fobbed off by chat spouting T&Cs.Balance transferred to other cards.Closed my account immediately.

## Frequently asked questions about Bip

### 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.

## Version history (last 5 releases)

### 2026.35.1 — 2026-08-25

Bug Fixes and Optimisations

### 2026.34.1 — 2026-08-20

Bug fixes and optimisations.

### 2026.33.2 — 2026-08-13

Bug fixes and optimisations.

### 2026.32.1 — 2026-08-11

Bug fixes and optimisations

### 2026.31.1 — 2026-08-05

Bug fixes and optimisations.

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## More apps by NewDay Ltd

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All apps by NewDay Ltd: https://appshunter.io/developer/903335384

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*