Bip: Cardless credit

Make your finances simple with cardless credit you control. Bip is a cardless credit app with absolutely no hidden fees, a secure spending cap and no impact on your credit score. That means you can easily keep track of your money and finances.

Tap. Cap. Control. Experience the simplicity of a Bip credit card and join a growing community of people wanting to go cardless when they pay. Check your eligibility today to be a part of it. (And don’t worry - it has no impact on your credit score)

Spending caps, simple cardless credit, no fees and more!

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

Quick and simple card 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 the app to continue.

Keep your finances simple. Tap. Cap. Control - Set Spending Caps for your money, get instant balance updates and copy your Bip details from within the app to spend money online. With no credit card, there’s less hanging around when it comes to keeping your finances in check.

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

24/7 credit 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 to help you spend in a way that works for you.

Boosted Payments - See how much you could save yourself if you pay 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. Google Pay is a safe and secure way of making contactless purchases, and is just as easy as a plastic credit card.

Spending caps, no fees and simple money management. Decide how Bip works for you – managing your credit has never been easier.

Tap. Cap. Control. This is the simple way to sort your finances, all with no impact on your credit score when checking you’re eligibility. Download Bip, the digital credit app that gives you flexible control of your money and 24/7 support.

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.