I’ve had a great experience with my Bip credit card. The app is really easy to use, making it simple to keep track of my spending, payments and available credit. I like that everything is managed digi... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
See what reviewers are saying
Hasn't worked in a few months. It not locked/blocked, has credit available but declined everywhere all the time. Think ill just lay it off and use my other one with lower interest In response to... See more
Company replied
Great company helped me get account back on track after a death in family and couldn’t afford monthly payment but hopefully its sorted now
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
Company replied
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
4.2
Great
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
They continue to offer a higher credit…
They continue to offer a higher credit limit which helps my rating. I maintain my usage low but have wiggle room if I need it....
July 30, 2026
Reply from Bip
Hi Lucy,
Thank you so much for your positive review! We're glad to hear we've helped you build your credit score and hope you continue to enjoy our services 😊
Thanks,
Andy
Payments are easy done
Payments are easy done, the app is by far the easiest to use and has stayed that way unlike other apps which keep updating and confuses people, and have a very generous credit limit, well done
August 3, 2026
Unprompted review
Reply from Bip
Hi Andy,
Thanks for sharing your experience. We're delighted to hear that you're satisfied with your BIP account.
Best,
Stephanie.
Hasn't worked in a few months
Hasn't worked in a few months. It not locked/blocked, has credit available but declined everywhere all the time.
Think ill just lay it off and use my other one with lower interest
In response to the reply here. I have been to support several times including 5 minutes ago. They wont help because I dont have the means to make a phone call (deaf and use a data sim only so relay isnt an option either) because My new address doesnt match my old address which Bip were asked to change over a year ago im now locked out indefinitely
August 1, 2026
Unprompted review
Reply from Bip
Hi Naria,
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.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0330 838 0115 or via chat in the app (Need Help > Message the Bip Team) at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you.
Best,
Stephanie.
I've had the card about 5 years and…
I've had the card about 5 years and it's been good. No transaction problems at all. I've paid in full every month and only ever used about 25% available of a £3,800 limit. My rating is in the excellent band.
However, last week I received a rather brusque email saying the interest rate was going up ( never paid interest anyway ) because of several possible reasons, all negative,suggesting misuse of the card or terms & conditions etc.
Made me blooming angry!
I've closed the account now and will use my others, you know, the polite ones....
July 16, 2026
Unprompted review
Reply from Bip
Hi Geoff, I'm sorry that you've not had the best experience with us.
Interest rates on our accounts are linked to the Bank of England Base Rate, so you may see changes to your rate due to changes in the base rate. If the Bank of England Base Rate changes, we will change our standard interest rates by the same amount (disregarding any changes to the Bank of England Base Rate below 0%) within seven working days and we will let you know the new rate on the next statement we send you. You can see the current base rate at bankofengland.co.uk.
If the interest rate on your account is increased for any other reason, we will provide at least 60 days notice of the change to allow you the opportunity to opt out by closing your account.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. 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. Thanks, Sheona
Try it
Excellent card company easy to access helpful customer services and generous Credit limits
July 14, 2026
Reply from Bip
Hi Pauline, 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 😊 Thanks, Michelle.
Support staff are professional and helpful
I never had problems with I think they are on of the best virtual cards and support staff are very helpful
July 8, 2026
Unprompted review
Reply from Bip
Hi Syd, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
I love this Credit card
I love this Credit card, especially when it comes to its digital.
July 2, 2026
Reply from Bip
Hi Stephen, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Time to leave this company after 4…
Time to leave this company after 4 years
Continual errors
Continual lies from the Call Centre who could hardly speak English and if they don’t like what you say when you correct them, they hang up on you
July 2, 2026
Unprompted review
Reply from Bip
Good Afternoon,
We appreciate you taking the time to share your review with us,
This is not the level of service which we aim to provide at all, and please be assured that this feedback will be passed on to the relevant team for further review.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team via chat in the app (More > Help & Support > Contact Us > Contact Details) at your next convenience.
- Kenith
Reply from Bip
Hi Mr Battle, 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.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0330 838 0115 at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you. Thanks, Michelle.
Very quick with transactions
Very quick with transactions. Straight forward application and the service is great!
June 18, 2026
Reply from Bip
Hi Claude, 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 😊 Best, Elan
I’ve had a great experience with my Bip…
I’ve had a great experience with my Bip credit card. The app is really easy to use, making it simple to keep track of my spending, payments and available credit. I like that everything is managed digitally, and the payment reminders help me stay on top of my account. It’s been a great tool for building my credit score, and I’ve had no issues with using it for everyday purchases. Overall, it’s a straightforward, reliable credit card that I’d happily recommend to anyone looking to build or improve their credit.
June 17, 2026
Unprompted review
Reply from Bip
Hi Keith,
Thank you so much for your lovely review and the 5-star rating! We’re a card that says yes to helping you build your credit score when used responsibly - so it is great to hear that we have helped you build yours 😊
Best,
Stephanie.
Good credit company
I had this credit account now for 5 years and have never had a problem with them, have missed a few payments over the years due to my own fault, always got a reminder from them but no late fees
June 16, 2026
Unprompted review
Reply from Bip
Hi Dave,
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,
Stephanie.
Impossible to make payment!! Scam
I dont have access to my app anymore or know my card number. I'm trying to pay my balance of literally £5 but I cant make any payments without that information. I need to contact customer service about this but its all IN THE APP! I made a complaint, saying its impossible for me to make this payment because I cant access the app... guess where the complaint response was sent... the app!!!! At this point this company just seems like a scam. I am being charged interest and having my credit score tarnished because of a £5 charge that the company is making it absolutely impossible for me to pay.
EDIT: I can’t call I don’t live in the UK anymore which was in my original complaint!
May 28, 2026
Unprompted review
Reply from Bip
Hello Holly, 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. Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here.
Please can you reach out to our Customer Service team on 0330 838 0115
at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you. Opening times: Monday-Friday: 9am-6pm - Saturday: 9am-4pm - Sunday: Closed. If you allow the automated service to run without pressing any keys you will be transferred to an advisor without having to enter your card number. Best, Audrey
They harass and call daily its very…
They harass and call daily its very annoying 10 calls 2 to 3 times a day
May 26, 2026
Unprompted review
Reply from Bip
Good Afternoon,
We appreciate you taking the time to reach out and share your experience.
I can assure you that we're a company that prides ourselves on a high level of professional service. I apologise that this hasn’t been your experience on this occasion.
If you wish to unsubscribe from Bip marketing, you can opt out in the app under My Account > Account Details > Marketing Preferences.
- Kenith
Easy to navigate and use BIP
Easy to navigate and use BIP. Never had any problems with them and always there to help should I need them.
May 21, 2026
Unprompted review
Reply from Bip
Hi Jan, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Easy to use
Easy to use, easy to understand and the customer service has always been good when needed. I would recommend their services highly.
May 20, 2026
Unprompted review
Reply from Bip
Hello Kasie, we do aim to provide a high level of customer service, so it is great to see you received this when contacting us. Thank you for taking the time to leave us a positive review 😊Kind regards, Audrey
Such an easy company to deal with
Such an easy company to deal with. Easy app and good help on the app.
May 14, 2026
Reply from Bip
Hi James, 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 😊 Thanks, Michelle.
Excellent card app easy to you…
Excellent card app easy to you reminders when payment due great service
May 7, 2026
Reply from Bip
Hi Marcia, 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
Reply from Bip
Hi Bhupen, thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.
The communication and updates are…
The communication and updates are second to none, a great all round experience
April 23, 2026
Reply from Bip
Hi Mr. Walsh, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.