Bip: Simple cardless credit 4+

Spend, save & control money

NewDay Ltd

    • 4.8 • 6.5K Ratings
    • Free

iPhone Screenshots


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 29.9% 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

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.

What’s New

Version 2024.16.1

Bug fixes and optimisations

Ratings and Reviews

4.8 out of 5
6.5K Ratings

6.5K Ratings

Cornell.Martin ,

Brilliant service and easy to use. Would recommend !

I’ve been using Bip for a few months now and I’ve really enjoyed using it. I rarely use physical bank cards anyways and Bip has been pretty convenient and useful as it can connect to Apple Pay. It’s very simple and straight forward. When having a couple of issues with my account I’ve just contacted one of the team directly on the app and got a response in minutes! Overall I am extremely happy and couldn’t fault it, definitely worth checking it out :-)

There is one thing I wish I could add to Bip, it’s that I wish there was an option to get a physical credit card sent home as well as having a digital one 🤷‍♂️

Developer Response ,

Hi there! Thank you so much for taking the time to leave us a review! It's great to hear that you enjoy using the card and that you found it as convenient and useful to use as we do! With regards to the having a physical card, we'll keep this in mind. Thank you once again and thanks as well for the feedback! - Nicole

NSoufi ,

Worse start ever!!!

I have signed up on waiting list months ago for this “new concept” credit card and been waiting for them to bring it out. As soon as I got the invitation email I signed up and I got accepted but guess what?! I couldn’t finish the process because I have NEVER received an email with application number which is Wrong... Believe it or not, I am on leave and I spent 2 full days on this.. calling them to see what’s the problem they problems an email will come out but nothing comes. They cancelled my application 3 times and I tried more than 4 time. No emails comes out, even when they said “my colleague tried to call you” in reality no one called me because my phone is in wide open area. I ended up cancelling the whole process.

They had enough time to bring this product flawless but it started with SHOCKING and basic technical error even small company won’t have.

Not really surprised while this liked to NewDay.

Ninja 367 ,

Disgusting behaviour

A customer of 2 years . Tried to buy something and got declined. Fraud team said it’s sent to another team and will contact me. What’s that mean? My account is blocked since a week and can’t login to pay. If I can’t login then I won’t be paying till the account gets moved to a collection agency. Hard to contact on phone. Will be complaining to new day. My account number needs me to log in to see to actually pay without the app. Sort this out and let me know wheat the problem is. I pay all the time on time .

App Privacy

The developer, NewDay Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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