Pockit: Bank Card Alternative

Pockit Ltd

About this app

Pockit helps everyone access a mobile banking alternative with a prepaid contactless Mastercard®. This means all the benefits of banking online (and more!) without the credit checks of other bank apps. 

Top up easily using cash, bank transfer, or debit card. Send money within the UK, set up Direct Debits, and make payments with Google Pay™. Access cashback rewards and get the opportunity to start helping to improve your credit score.

Here’s why 1,000,000+ people love Pockit:

INSTANT PAYMENT

👉 Get your card details straight away to start digital banking and online shopping

👉 Receive your pay a day early at no extra cost

👉 Access an instant UK account number

ALL THE KEY FEATURES OF A BANK ALTERNATIVE APP 

👉 Instant spending alerts and balance updates 

👉 Manage bills, rent, and even PayPal top-ups in one place

👉 Get up to £200 cash advance before payday 

👉 Use our Credit Pathway to help improve your credit score

HELP IMPROVE YOUR CREDIT SCORE & GET ACCESS TO CREDIT

👉 Get up to £200 cash advance before payday. No hard credit checks. Better alternative to credit cards and short-term online loans with more control & flexibility than an overdraft. Terms apply

👉 Borrow up to £500 after 3 months at 0% interest. Repay easily in 3 monthly instalments, small flat fee applies. No hard credit checks (subscription required)

ONLINE BANK ACCOUNT STYLE MANAGEMENT 

👉 Lock your card if you lose it and order a replacement in seconds

👉  Manage up to £10,000 in your account

👉 Easily share an online bank account alternative with friends or family 

REWARDS! 

👉 Better deals on broadband, TV, and mobile services

👉 Use your Pockit card for a chance to win £250 every week (terms apply)

👉 Up to 5% cashback from leading retailers

ACCESS POCKIT's BANK ACCOUNT ALTERNATIVE WITH:

👌 Low credit or no credit history (including if you’re new to the UK) 

👌 £0 subscription fees 

👌 A birth certificate & other forms of ID that are not accepted by online banks 

You can get access to a mobile banking app alternative in just 3 minutes with no credit score check. Apply now for an easier, more rewarding form of online banking.

Disclaimers:
1. Pockit is a prepaid account, not a bank. Prepaid accounts are not covered by the Financial Services Compensation Scheme (FSCS).
2. Credit scores can be influenced by various factors and improvements to your score are not guaranteed.
3. Sign up in the app or web. 18 years and older, subject to satisfactory residence and ID checks. Please note your card will not be dispatched until you have successfully verified your account. Delivery time depends on the delivery method you selected during signup and provided as guidance only. Actual delivery times may vary and depend on Royal Mail.
4. Eligibility for personal credit is assessed after 3 months on the Premium plan, subject to affordability and a soft credit check.
5. Credit Pathway, Personal Credit and Cash Advance services are powered by SteadyPay.
6. Representative APR 40.47%. We do not charge interest. The APR depicts the transaction fee of £4.99 as the cost of using our service. Representative example: Income Advance issued: £50. Interest charged: 0%. Transaction fee paid: £4.99. The repayment period for Income Advance is 90 days. Total amount paid: £54.99. Representative cost: 40.47%.

Ratings and reviews

the app is easy to use, always get a response to any issues, only downside I've found is it costs 1.99 every time you make a withdrawal which is a really expensive cost just to get your own cash out and say you think you'll only need a tenner but then later through the day you have to make a couple more withdrawals withouth thinking and by the end of the day you could have spent upto 10.00 and over the weeks and months that adds up to a very very lot of money especially if your struggling

Total scam, got instantly charged £2.49 that I didn't agree too when I paid in £20, then got charged another £1.29 to put it back in my original bank account. Basically had £20 turned into £16.22 unexpectedly. The reason I registered was to help me save money somewhere that I wouldn't get money taken automatically. It would be safer in a betting account.

The worst. Do yourself a favour. STAY AWAY. Fees upon fees. Fees for withdrawing. FEES FOR TRANSFERRING! WTH?!?!?! There are so many restrictions. I suspect this is the system's way of keeping the legacy banks and big players on top. So it might not be all their fault. I could be wrong. Either way, if you want to save yourself stress, I recommend you STAY AWAY.

What’s new

We've squashed some bugs and made general improvements to keep the app running smoothly. Thanks for using Pockit — we update the app regularly to make it better for you.