Pockit: Bank Card Alternative 4+

Income Advance•Credit Builder


Designed for iPhone

    • Free

iPhone Screenshots


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 via cash, bank transfer or debit card. Send money via direct debits, Google and Apple Pay, and international payments to over 55 countries. Access cashback rewards and get the opportunity to start building your credit score and access to credit in just 3 months. 

Here’s why 900,000+ people love Pockit:


• 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


• Instant spending alerts and balance updates 

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

• Get up to £100 cash advance before payday 

• Use our credit score builder

• Send & receive money abroad. Get a great exchange rate while travelling 


• Get up to £100 cash advance before payday. 0% interest-free. 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)


• 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 


• Better deals on broadband, TV, and mobile services

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

• 15% cashback from leading retailers like Sainsbury's, Argos and Pizza Express


• 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.


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. Personal credit becomes available after 3 months on the Fast Track to Credit plan, add £200/month to qualify, no adverse credit history.
5. Credit Builder, Personal Credit and Income Advance services are powered by SteadyPay. Purchase protection insurance service is powered by Jove and underwritten by Wakam.
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%.

What’s New

Version 2.5.9

The best version of Pockit yet!

In this release we focused on bug fixing, improvements under the hood and visual tweaks.


Ratings and Reviews

4.3 out of 5
15.8K Ratings

15.8K Ratings

Ch.Fazalye ,

Mr G Hussain

I opened an account at the end they asked me for ID with this they said I would upgraded so I sent my ID it was verified a few days later my friend transferred £50 as I needed electric gas food quite desperately anyway when I went to check my account it wouldn’t let me in giving a message saying my account was under a security review they wouldn’t tell me why and couldn’t give me a time frame. You can’t phone them their webchat is down so you have to email them. At first they asked for my ID again and then nothing for days so emailed them everyday after that no response then a standard message saying they’d received my email and were dealing with my account as fast as they could again no explanation. It has now been 4 weeks or just over I got an email yesterday saying they hadn’t forgotten me but was addressed To Mr, etc. Not even my name there so I tried to open another account with different email but everything else the same they soon sent an email saying I already have an account. So basically they have my money and I feel that I have been robbed. I’ve sent emails to this affect but no response. So please stay away from these people

WIld? I'm absolutly livid. ,

Fantastic app and services

I don’t often write reviews, and when I do, I even more rarely award 5 stars . However the outstanding reliability and speed of this app deserve full marks. Payment reporting is instantaneous, and the ability to block/ unblock the physical card associated with the Pockit account is a superb advantage over the majority of such cards, particularly when you misplace your card while travelling ( guilty as charged 😕). Absolute top marks all round. The only thing they could improve now would be if they introduced a wearable RFID device such as a payment ring, so I don’t have to worry about misplacing my card. The normal disadvantage of such a device is the risk of malicious scanning , but the speed and ease of blocking and unblocking the card/ring with the associated app would entirely counter any such risk.

Ha! Just read all the most recent low ratings spamming the reviews. So many of them read as annoyed reviews from attempted money-laundering or account hacking attempts I had to laugh out loud. Honestly folks, this is an outstanding prepayment service. The fact that you can’t just email them from a random email account and take over another person’s account is basic security, not an example of bad service.

Butt0307 ,

Absolutely unacceptable behaviour

Absolutely unacceptable behaviour. I have opened an account with Pockit just few days ago. I play online casino games and I won £300 , unfortunately i have made withdrawal in Pockit account. I made a transfer of that money into the United Kingdom bank account. 1st of all i received a message money will be transferred in 2 hours if not then 36hours. Which is absolutely unbelievable. But after 12 hours they restricted my account and send me the notification that account has been restricted please follow the step in the app. So i opened the app and once again i have to proof my identity, proof of address and where this money came from. This is serious awful. When i opened my account just few days ago i have provided my identity and proof of address.
This not enough worse thing is when they want me to follow the steps in the app i have to take the photo directly can’t upload from my phone. I am 68 year old man then i have to call someone to help me out because these days everything thing is digital. They dont realise that for banks statements or etc people have to arrange printing. I am very disappointed with Pockit. I have uploaded everything whatever they asked me but now it has been more than 15 hours my account is under review and restricted. I will advice everyone whoever is reading my review please do not use Pockit. I will share my experience every where on social media to warn people not to use Pockit.

App Privacy

The developer, Pockit, 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 Linked to You

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

  • Identifiers
  • Usage Data
  • Diagnostics

Data Not Linked to You

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

  • Location

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


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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