# Pockit: Bank Card Alternative — Cash Advance • Credit Pathway > Mobile banking alternative with prepaid Mastercard, credit building, and income advance. (iPhone/iPad app by Pockit.) - Source: https://appshunter.io/ios/app/pockit-bank-card-alternative/id1022334791 (this page in markdown: same URL + `.md`) - Developer: [Pockit](https://appshunter.io/developer/1022334790) - Category: Finance - Price: Free - Rating: 3.10/5 from 43 App Store ratings · 386 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 83 MB - Languages: British English - Released: 2015-12-09 - Data updated: 2026-08-31 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/pockit-bank-card-alternative/id1022334791/reviews.md ## What is Pockit? 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 Apple 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%. ## Key features - Prepaid contactless Mastercard - No credit checks required - Income advance up to £100 - Credit score builder - Cashback rewards - Instant payment details - Direct Debit setup ## What do users think of Pockit? Overall sentiment: negative **Pros** - 🚀 Easy to use - 🚀 Quick transactions - 🔒 Secure app - 👍 Convenient for managing money - 👍 Simple and straightforward **Cons** - 🐛 Account restrictions without explanation - 🐛 Unresponsive customer service - 💰 Excessive fees and charges - 🔒 Concerns about account security and funds safety - 🤖 Poor bot-based support **Commonly reported bugs** - Transactions not showing up in a timely manner - App crashes and login issues - Inability to access funds during account review **Most requested features** - Live chat support - Faster account review process - More transparency on account restrictions - Ability to easily close account ## Recent user reviews (10 of 386) All indexed reviews: https://appshunter.io/ios/app/pockit-bank-card-alternative/id1022334791/reviews.md ### 5/5 — Pocket is the best *2026-08-07, version 3.4.4* The best bank 🔝🔝 If you need a bank I can guarantee you be happy with pocket! ### 1/5 — Don’t recommend *2026-08-05, version 3.4.4* No communication or explanation why my account keeps getting put under review every penny I have is in this account and a have 4 kids absolute joke 4 day now with no money and this isn’t the first time this has happened ### 5/5 — Solid *2026-08-05, version 3.4.4* I’ve been with them for 7 years and never had a problem. ### 1/5 — Pockit *2026-08-05, version 3.4.4* I have been unable to use this bank for 2 weeks and it’s been under review and they haven’t done nothing about it there is no customer service I do not recommend ### 2/5 — Terrible *2026-07-30, version 3.4.4* They've taken the pin section away you have to wait days for a human to talk to you ### 1/5 — They take money from your bank account *2026-07-30, version 3.4.4* Just like that without any warnings or approvals your money will just start missing from your bank account. Lisa in the chat will just ignore you or close the chat and they will not refund you the money. Pure scammers ### 1/5 — DO NOT BANK *2026-07-29, version 3.4.4* Your funds are Not safe! Terrible unprofessional service , I have had funds sent yesterday to my account and still haven’t received them 1 working day later and I was promised contact by “email” not even a message. I haven’t had any contact by anyone , I have rent and bills to pay today and this has left me in a situation of financial stress. DO NOT USE! ### 5/5 — Top *2026-07-28, version 3.4.4* Top ### 1/5 — Stole my money *2026-07-28, version 3.4.4* I was receiving my student finance loan into my pockit account, randomly they started to do checks on my account which I understand they have the right to do that but what I don’t understand is how it has been over 2 weeks now, I sent all the relevant documents they needed the next day and I still have zero access to MY money I’m due to go on holiday next week and don’t know what to do with all my money being kidnapped by this stupid so called bank. !!!!! HIGHLY RECOMMEND TO NOT DOWNLOAD THIS APP !!!! ### 1/5 — Aplication in check *2026-07-28, version 3.4.4* I need an assistance ## Frequently asked questions about Pockit ### 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. ## Version history (last 5 releases) ### 3.4.6 — 2026-08-20 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. ### 3.4.5 — 2026-08-11 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. ### 3.4.4 — 2026-07-09 Along with some bug-fixes we have made it easier to find your favourite Pockit features in our new 'Explore' menu. ### 3.4.3 — 2026-06-18 Along with some bug-fixes we have made it easier to find your favourite Pockit features in our new 'Explore' menu. ### 3.4.2 — 2026-06-08 Along with some bug-fixes we have made it easier to find your favourite Pockit features in our new 'Explore' menu. ## Apps similar to Pockit | App | Rating | Price | Category | | --- | --- | --- | --- | | [Chime® – Mobile Banking](https://appshunter.io/ios/app/chime-mobile-banking/id836215269) | 4.8 (1,558,421) | Free | Finance | | [Current - Mobile Banking](https://appshunter.io/ios/app/current-mobile-banking/id1077366211) | 4.8 (195,898) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,457) | Free | Finance | | [Varo Bank: Online Banking](https://appshunter.io/ios/app/varo-bank-online-banking/id1517676784) | 4.9 (233,473) | Free | Finance | | [Monzo Bank - Mobile Banking](https://appshunter.io/ios/app/monzo-bank-mobile-banking/id1052238659) | 4.7 (5,643) | Free | Finance | | [Venmo](https://appshunter.io/ios/app/venmo/id351727428) | 4.8 (15,469,251) | Free | Finance | ## Related topics [pockit](https://appshunter.io/ios/topics/pockit) · [pokit](https://appshunter.io/ios/topics/pokit) · [alternative banking](https://appshunter.io/ios/topics/alternative-banking) · [alternative bank](https://appshunter.io/ios/topics/alternative-bank) · [suits me](https://appshunter.io/ios/topics/suits-me) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-31.*