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Pockit: Bank Card Alternative

Pockit: Bank Card Alternative

Cash Advance • Credit Pathway

43 ratings
420 reviews
💰 Finance
Free

Details

Released
December 9, 2015
Updated
August 20, 2026

Features

Developer

Pockit
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Pockit: Bank Card Alternative screenshot #1 for iPhone
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About

Access a mobile banking alternative with a prepaid contactless Mastercard®. Enjoy online banking benefits like instant payments, bill management, and cashback rewards without credit checks. Build your credit score and access credit options over time.

✓Prepaid contactless Mastercard
✓No credit checks required
✓Income advance up to £100
✓Credit score builder
✓Cashback rewards
✓Instant payment details
✓Direct Debit setup
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What users say about Pockit

Reviews of Pockit are mostly negative: the Finance app is rated 3.1/5 from 43 App Store ratings. What users like most: easy to use, quick transactions. Top complaints: account restrictions without explanation, unresponsive customer service. Summarized from real user reviews.

Positive things

  • 🚀Easy to use
  • 🚀Quick transactions
  • 🔒Secure app
  • 👍Convenient for managing money
  • 👍Simple and straightforward

Negative things

  • 🐛Account restrictions without explanation
  • 🐛Unresponsive customer service
  • 💰Excessive fees and charges
  • 🔒Concerns about account security and funds safety
  • 🤖Poor bot-based support
See all reviews

What's New in Pockit

3.4.6

August 20, 2026

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.

More

User reviews

Most RecentHighest RatedLowest Rated

Babb

Bushey
Cchhh44Cchhh44

Pockit

It’s a rubbish bank no offence I’m with these peace of trash bags had my money pending for 13 days stupid fools need to update it more often people shouldn’t have to wait for there money shut this bank down !!!!!
jce65363738399292991jce65363738399292991

Fees upon fees

There’s always some sort of fees either for sending or receiving money . Not to mention money CONSTANTLY being put on hold for 4-5 hours for no absolute reason . I’m done with this bank
Just whatever 2123Just whatever 2123

Rip-Off

Used once and won’t again - there’s a fee to send to other accounts and a fee taken for your first deposit. Has cost me nearly £60 to send £50 - be warned!
Our Vic - Mastercraftsman]#Our Vic - Mastercraftsman]#

The worst - avoid

Absolutely the worst. Anything goes wrong, no number no live chat. You gotta sit there and wait business days for email response. Charging £2 for cash deposits now. Fking ridiculous.
Ali73737361616Ali73737361616
See 415 more reviews

User experience

🐞

Reported Bugs

3 issues

Transactions not showing up in a timely manner

Bug

App crashes and login issues

Bug

Inability to access funds during account review

Bug
✨

Requested Features

4 requests

Live chat support

Feature

Faster account review process

Feature

More transparency on account restrictions

Feature

Ability to easily close account

Feature

FAQ

What is Pockit?

Pockit offers a mobile banking alternative with a prepaid contactless Mastercard. It provides features similar to a traditional bank account, such as online banking, bill payments, and money transfers, without requiring credit checks.

How can Pockit help me build credit?

Pockit offers a credit builder feature that can help improve your credit score over time. After three months of consistent use and meeting certain criteria, you may also gain access to interest-free credit options.

Is Pockit free to use?

The Pockit account itself has no subscription fees. However, certain services like the 'Fast Track to Credit' plan require a subscription and there may be small flat fees associated with borrowing options.

What are the requirements to get a Pockit account?

You need to be 18 years or older and provide a birth certificate and other forms of ID for verification. There are no credit score checks required to open an account.

Can I get an advance on my pay with Pockit?

Yes, Pockit offers an income advance feature allowing you to get up to £100 before your payday. This advance is interest-free and does not require a hard credit check.