Very easy application process. Easily set up and easily accessible. The app keeps me informed of spending and payment due dates and is very user friendly.
Company replied
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Sir, I have to say that this cardless option is NOT one that I support. It is important to have a physical card available as a final choice. Using a cardless option makes matters seem a lit... See more
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The way Bip treats customers is brilliant, no fuss problem solving and no hassle comunications makes them a truly stand out provider when everyone needs to budget their incomes wisely. Great Service... See more
Company replied
BIP Card Is Very Good , Convenient Card How many times I used in UK and Outside UK Been Very Happy , Quick and Efficient Respond from Customers Support Team I recommend for 100% for Everyone... See more
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Company details
Written by the company
This is Bip. Cardless credit that lives on your phone. No fees, just one interest rate. Simple. Smart. Run by you. Representative 34.9% APR (variable). Credit provided by NewDay Ltd., 18+, subject to status, T&Cs apply, UK only.
Contact info
United Kingdom
- www.bip.credit
4.4
Excellent
2K reviews
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They let you know when your near to…
They let you know when your near to your limit and when to pay.
April 9, 2026
Reply from Bip
Hi David, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Reply from Bip
Hi Valerie, thank you for taking the time to leave us a kind review, we appreciate it! 😊 Thanks, Michelle.
Reply from Bip
Hi Michael, thank you for choosing us as your card provider - and for leaving us a positive review! When you do get round to using your card, we hope you enjoy our services 😊
If you do have any queries, we are always here to help you. You can get in touch with us via our app, by going to: More > Help & Support > Contact Us > Contact Details. Thanks, Michelle.
Reply from Bip
Hi Miss Ceesay, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Excellent all round
Very easy application process. Easily set up and easily accessible. The app keeps me informed of spending and payment due dates and is very user friendly.
March 2, 2026
Reply from Bip
Hi Mike, thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊 Thanks, Michelle.
Bip is easy to understand and easy to…
Bip is easy to understand and easy to operate within the app.
I have no problem using the app
March 2, 2026
Reply from Bip
Hi Michael, we're happy to read that you are enjoying our app! Thank you for taking the time to leave us a positive review 😊Thanks, Michelle.
Great Virtual Credit Card
I've had Bip for a while now, great app, very handy and easy to use . Definitely would recommend this virtual card, very useful and happy with this company.
February 20, 2026
Unprompted review
Reply from Bip
Hello James. We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review 😊Best, Audrey
Nasty sub prime lender with no compassion to illness .
I was with this credit provider for years and had no issues whatsoever . Then I was diagnosed with cancer and required operations and treatment and have been in hospital for months fighting it. As soon as I was diagnosed I contacted Bip to explain the situation as being self employed I am unable to work and as I have no family or partner told them I might not reply to their messages immediately because of the situation but would always reply. Without warning they closed my account and put me in a default notice. Closed access to the app and my account online. They send me updates but I cannot read them because I cannot open the app. Out of all my creditors Bip and aqua have treated me terribly and written me off very quickly. I had always paid on time and never had an issue but soon as you are ill or go through a bad time they became extremely hostile and aggressive. They don’t care all they want is their money back. They have cause me excessive stress at a time when I should be trying to get well. I wish I had never got involved with this sub prime lender. But I’m happy that as they have been soo nasty that I will probably be dead before they get their money back and after the way they have treated me I will make sure I have nothing of value left for them to get their dirty hands on.
February 26, 2026
Unprompted review
Reply from Bip
Hello Martin Peters,
Thank you for reaching out about your experience, I appreciate the time you’ve taken to write the above. I’d like to pass your concerns on to our Specialist Team for further review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can work to support you further.
Take care,
Claire
Reply from Bip
Hi Phil, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 best, Elan
The best friend
BIP was for me like family. Always careful with me and very protective.
I'm very satisfied to be one of BIP friends.
February 12, 2026
Reply from Bip
Hi, Thank you for choosing us as your card provider. We're pleased to have you as our customer 😊 Thanks, Michelle.
Excellent service
January 29, 2026
Reply from Bip
Hi Karl, thank you for taking the time to leave us a kind review, we appreciate it! 😊 Thanks, Michelle.
Irresponsible organisation
Bip and NewDay Ltd are irresponsible lenders and are a disgraceful and neglectful organisation. They agree credit where they should not have any reason to lend. In addition, they do not provide adequate support to vulnerable customers such as myself and victims of financial abuse. I have lodged a complaint against NewDay that, if not upheld by them, I am confident will be upheld by the Financial Ombudsman Service. Avoid, avoid, avoid! As you don't know what circumstances you will end up in the future and you do not want to risk yourself as being under the merciless pressure of an organisation like NewDay Bip.
September 22, 2025
Unprompted review
Reply from Bip
Hello Russell,
Thank you for reaching out about your experience, I appreciate the time you’ve taken to write the above. I’d like to pass your concerns on to our Specialist Team for further review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can work to support you further.
Take care,
Claire
Reply from Bip
Hi Michael, Thank you for taking the time to leave us a kind review, we appreciate it! We are delighted to hear that you've had a good experience 😊 best, Elan
Good form of credit
Bip has always been a very good and affordable form of credit for me. Your account is reviewed regularly to see if you qualify for an increase and the app is very easy to use.
January 15, 2026
Reply from Bip
Hi Mr. McCabe, We're happy to read that you are enjoying our app and the features! Thank you for taking the time to leave us a positive review 😊 best, Elan
Customer service are shocking and can’t…
Customer service are shocking and can’t be arsed to help so just fob you off!
January 6, 2026
Unprompted review
Reply from Bip
Hi,
Thank you for your review. I'm very sorry for the difficulty you have had when trying to contact our team. We work hard to give all our customers a great experience whenever they contact us or use our services. I’m sorry we didn’t manage that for you this time.
I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. Please be assured that this feedback will be passed on to the relevant team.
Regards, Julie.
Impossible to get in touch with them
Impossible to get in touch with them. Trying to contact them over a late family members account and they can't even answer the phone
December 2, 2025
Unprompted review
Reply from Bip
Hi Chelsea,
I do apologise that when you attempted to contact us you were unable to get through to an agent. At times we may experience higher than anticipated call volumes, and we may not be able to answer the call as quickly as we would like to. Please be assured that we are working hard to get this resolved and ensure all customer calls are answered as quickly as possible.
Best,
Stephanie.
Refused for no reason
Refused for no reason. A home owner, full-time employment, with excellent Experian credit rating. Apparently not good enough... maybe they only want clients who are unlikely to meet the monthly payments.
November 30, 2025
Unprompted review
Reply from Bip
Hi,
I'm very sorry to read that you have not had the experience you expected with us. I appreciate the time you have taken to leave us a review.
Please contact us so that we can discuss your concerns in more detail. You can find details on how to contact us online by going to: Help & Support > Contact Us > Contact Details.
Best,
Stephanie.
This is a unique credit card which is…
This is a unique credit card which is without PLASTIC. It means I don't have to carry a PLASTIC card with me
November 20, 2025
Reply from Bip
Good Afternoon,
Thanks for taking the time to share your review, great to hear you're happy with everything!
- Kenith
Reply from Bip
Hello Theano. Thank you for choosing us as your card provider - and for leaving us a positive review! Best, Audrey
Ease of use ,
October 23, 2025
Reply from Bip
Hello Gary. Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊Best, Audrey
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