first direct vs Bip

Your everyday just got a whole lot easier. Even better banking has arrived. At the coffee shop, deciding if it’s a skinny soy latte or a cup of tea. In a taxi stuck in traffic, wondering how much you’ve saved for your trip to Machu Picchu. On a rollercoaster, planning the decorations for your dog’s third birthday party… Wherever you are, whatever you’re doing, our new and improved mobile app makes banking even simpler. From checking your balances and viewing transactions to paying family and friends, mobile banking takes all the hassle out of everyday money stuff. You can now do more than ever from the comfort of your own phone - and if that’s not exciting enough, this is just the start of our mini digital revolution, with loads more improvements on the way. So go on. Get yourself up to date. Update now >> • Free to use, but providers may charge for download and usage • Use in accordance with local laws and check charges if using abroad • Use in accordance with our App terms and conditions • Use in accordance with Apple terms and conditions • This app may be withdrawn at any time, but we’ll always keep you in the loop.

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.