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.
2026.41.5
October 12, 2026
Bug fixes and optimisations.
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.
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.
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.
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.
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.
