Bip User Reviews

Customer Experience

Positive experience48.0% of reviews
Neutral4.0% of reviews
Negative experience48.0% of reviews

~ Based on 100 written reviews from the US App Store.

Is Bip Safe?

Not enough ratings yet to assess Bip.

Is Bip Legit?

Bip: Simple cardless credit appears to be a legitimate app. AppsHunter Legitimacy Score for Bip is 90/100.

Based on 90 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Loving the app and credit limits applied

Nice and easy to manage

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

Transfer

Brilliant

Love love love

My Cardless Bip• Account

Account

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

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
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Thieves

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.

Easy to use

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

Crédit card use

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

Interest rates

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.

Unsupportive suddenly reduces credit limit without warning or notice!!

I’ve had the card years and I’ve always paid most of it off monthly well above the average and as soon as I came into difficulty and made a couple of late payments, I went back to paying big amounts again which in this case was 1500 off my balance they all of a sudden without any notice just reduced my credit limit which then made me go over and get charges and I put a complaint in and I’m still yet to get it sorted, I don’t feel very happy with this company anymore. I think I’m gonna pay it off and delete the account.
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Emrah

They good patient and excellent service too. Thank you

Grabbing money

I suffered a lot with this app please don’t take any money with this app it’s much more rules and regulations to grab our own money

Super high interest rate

I had this card for quite a while but don’t really use it as the interest rate is a massive 58% a month !! which I think is absolutely wrong … will be closing it soon, I’ve never understood it because I have a few other cards and they are a lot lot lower

No wonder people are in so much debt , minimum payment trap is truly rife at the moment :(
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Mr

Very happy with the card
Easy to use

Never again

Honestly biggest regrets using bit the charge you stupid charges mind you if you put in £100 on them Monday by a Tuesday because you spent 20 quid £60 charges may be incurred it’s just silly honestly I did not helpful at all never again

Great!

Excellent card, no issues, app easy to use, card kept on phone so easy to use too

Good Credit Card Bad App

I don’t logon often, so every time I do, I have to jump through hoops. Face ID doesn’t work. “To many login attempts” errors. It’s all a real hassle

Log in failed

The app has been working great for ages but my app is now down and I can’t log in!

Best credit card

The best credit card provider I’ve ever had. Fair fees and prices and regular and large credit limit increases if you use the card responsibly! 100% recommend!