Online, on the high street, in restaurants, or making cash withdrawals from ATM's. You can use your Pockit Prepaid MasterCard® wherever you see the trusted MasterCard® Acceptance Mark, anywhere in the World.
Loading money and topping-up your Pockit Prepaid MasterCard® couldn't be easier or more convenient. Either do it online by debit card or bank transfer, or at 28,000 local PayPoint's up and down the country.
If you are 18 or over and a UK resident you can have a Pockit card. You don't even need a Bank Account. It's a prepaid MasterCard®, not a credit or debit card, so we don't have to carry out credit checks. All we need is your name to put on the card, email and phone details so we can get in touch, your address to send your card to, and how you want to pay your one-off 99p sign up fee. If it's better for you, for £1 there's the option to sign up by SMS.
*Applicants must be UK residents aged 18 or over.
Subject to successful identity and residency verification.
You can link up to 3 additional Pockit Prepaid MasterCard®’s to your main card, in separate names. So it's a simple way to share money† between family or friends, age 13 or over.
† Local laws in India mean additional cards cannot be used for this purpose.
Everyone loves getting something back – and everyone can with a Pockit Prepaid MasterCard®. Try 6% back every time you shop with your Pockit card at M&S, 5% at B&Q, 6% at Toys R Us, a sparkling 10% back from H. Samuel jewellers – and that's just a few places you can start making savings – check out our full list of retailers and restaurants further down the page.
A Pockit Prepaid MasterCard® means you simply load your money first, then you're free to spend the balance and top it back up to suit you. All the time you can check where you're at with simple online statements. Also, because it's not linked to a bank account, you don't need to worry about overdraft fees. A Pockit card just keeps things really straightforward and hassle free - just the way money management should be!
*Applicants must be UK residents aged 18 or over. Subject to successful identity and residency verification.
No Credit Checks*, just click "get my card" - we only need a few details.
We will quickly confirm by email that your card will arrive within 3-5 days.
Load and top-up online, or at local PayPoints, or by Debit Card, or Bank Transfer.
Cashback from big high street names plus vouchers and discounts are all yours.
*You may be turned down for a Pockit card if your details cannot be verified. You must be 18 or over and a UK resident
If you want to find out more, please visit our Help Centre for our most frequently asked questions. If you'd prefer to speak to one of our customer service agents don't hesitate to call, or chat live online to one of the team. You've also got the option to drop an email to us at the address below and we'll get back to you.
*Calls cost up to 8p per minute for BT customers. Calls made using other service providers or mobiles may vary. Calls may be monitored.
Browse our fantastic list of shops and restaurants to see what you earn every time you shop with them using your Pockit Prepaid MasterCard®. Remember any cashback with Pockit is on top of any promotions or discounts – both online and in-store, unless marked otherwise.
Shop at one of our partner retailers and restaurants
Just make sure you use your Pockit Prepaid MasterCard®
We receive a commission on the amount you spend
We load this back onto your card within 60 days for you to spend wherever you want
At Pockit we keep our fees as low as we can - so you always know you're
getting the best value. Below is a list of our fees, limits and charges.
|Debit Card Loads||FREE|
|Your Pockit Card||99p|
|UK ATM Withdrawals||99p|
|Higher Card Limits (max allowed)|
|Total Annual Load||£30,000|
|Daily Debit Card Load||£750|
|Weekly Debit Card Load||£2,000|
|Daily ATM Withdrawal||£250|
|Lower Card Limits (max allowed)|
|Total Annual Load||£2,000|
|Daily ATM Withdrawal||£50|
|Monthly ATM Withdrawal||£400|
|International ATM Fee||£2.25|
|Foreign Exchange Fee||4.00%|
"I think Pockit is great!
I use my Pockit card to link to my eBay account and personal spending, and then I give myself a weekly allowance. That way I don't overspend and if I don't spend it I have double the next week! Brilliant!"
"The Pockit card is a breath of fresh air. Competent and polite customer service and it’s really easy to use online (even for me at 83!). Simplicity itself."
"I can now just top up my kids’ new Pockit cards and they can go away and spend within their weekly budgets, the additional card is a great feature!"
"I am very happy with my Pockit card! I topped it up at PayPoint which was so easy to do, and then used my card on eBay, and everything is great!"
For answers to questions often asked, just click the black arrows. If you want to know more, no problem, just call the Pockit Team on 020 7209 7533 to speak to us directly.About Your Pockit Prepaid Card
Pockit cards look like many credit or debit cards, with a card number, chip & pin and signature strip. But unlike credit cards – which provide you with a source of credit, and debit cards – which are linked to your bank account, it helps you spend only the amount you have chosen to load onto a prepaid card, helping you to stay in complete control.
You can use the Pockit Prepaid MasterCard® at over 35 million locations and withdraw cash from over 1.9 million cash machines worldwide – wherever you see the MasterCard® Acceptance mark.
Yes, all primary cardholders must be at least 18 years old. However, please note that additional cardholders (also known as secondary cardholders) must be at least 13 years of age.
The Pockit Prepaid Card is provided by Pockit Limited. The card is issued by Wirecard Card Solutions Limited pursuant to license from MasterCard® International Incorporated.
Your card should arrive within 3-5 days of you becoming a cardholder with Pockit. We always try to get this to you as quickly as possible.
You can have up to 3 additional cards linked to your main card (i.e. 4 cards in total). The additional cards can be in someone else’s name. You can apply for an additional card by clicking on the ‘Additional Cards’ tab in the Customer Section online. Additional cards cost 99p each, which will be taken directly from your main Pockit Card balance.
Additional cards cannot be issued on Lower Limit Cards.
You can access your personal card section online where you can manage your money and your card facilities.
To log in, simply click the ‘Login’ button at the top of the pockit website and enter your email address and password you set up, then follow the steps. (note you can change this password once you have logged in by clicking card settings from the menu.)
Once you have logged in to your personal section you will be able to:
If you have Additional Cardholders they will be able to manage their card online but will not have access to the main card.
Fees and charges may be applied when you load your card, on the purchases you make with your card and on ATM withdrawals. Full details of these and any other charges that might be applied on your Card are clearly listed on our home page. Click here to view these. Some ATMs may apply a surcharge so please ensure you check with the ATM provider before making a withdrawal.
No. You cancel your card and request your balance to be transferred to a bank account at any point. Instead of a bank transfer you could also receive your funds via ATM transfer. The standard ATM fee is 99p.
There are no charges if you do not use your Pockit Prepaid Card.
No, the Pockit Prepaid MasterCard® is a prepaid card and not linked to a current account and is subject to e-money regulations. Therefore interest is not paid.
Before you can start using your card you must first obtain your PIN.
Your PIN is your unique number and you must keep this safe.
To get your PIN simply log in to your Pockit Card at Pockit.com and click on the ‘PIN Setting’ link. This will give you your unique PIN which you can use straight away to make purchases and ATM withdrawals.
You can change your PIN at most ATMs in the UK by inserting your Pockit Prepaid Card and following the on-screen instructions.
We have made it easy for you to load money onto your Pockit card and there are 4 ways for you to do this:
Please see the following details on how to load from each of these options and a table summary of the charges for each loading method, please click here. If you are setting regular loads to your card you should ensure that these do not exceed the total annual limit on your card as they will be returned to the original source and not be applied to your card.
You can load up to £30,000 in a 12 month period and the maximum balance you can have on your card at any one time is £5,000. The maximum single load via Bank Transfer is £5,000, £750 via Debit Card and PayPoint is £249. The minimum load amount for these methods is £10.00.
If you have a Lower Limit Card the limits are lower and are detailed in the Lower Limit Card section below.
To load by Debit Card simply click the ‘Load’ button once you have logged in to the Pockit website. You will be asked for the details of the Debit Card you wish to use so ensure that you have this to hand. When loading by Debit Card the name on the card must match that of the Pockit cardholder.
Once you have used a Debit Card you can choose to use this card again the next time you wish to load.
Please note that if you have a Lower Limit Card you will need to upgrade to a Full Limit Card to be able to load via Debit Card.
To load by Bank Transfer you will need to instruct your bank directly. To do this you will need to give them the details of your Pockit card.
Please ensure you provide all the details given here, including your 9 digit customer number which you can find on the bottom of your Pockit Card:
|Sort code:||20 59 42|
If you want to load cash directly onto you card you can do so in one of the 28,000 PayPoints up and down the country. You will need your card and the assistant within the PayPoint will be able to load this to you card via their terminal.
Cash loaded by PayPoint will be available immediately but may take a few minutes to be visible on your card.
To find your closest and most convenient PayPoint, click here to go to the PayPoint finder.
To have wages, benefits, pensions, etc. paid directly onto your card you will need to instruct your employer or other party and provide them with your Pockit Card details.
Please ensure you provide all your account details, including your 9 digit customer number which you can find on the bottom of your Pockit Card:
|Reference:||Cardholder Number - The 9 digit number on the bottom left of your card|
You will also need to upload proof of wage or benefit via the wages and benefits screen on your account
When loading with a Debit Card and Cash through a PayPoint your funds transfer to your Pockit Card instantly.
Bank transfers can take up to 3 days to clear from your bank. Regular loads from your employer or any other party should arrive on your Card on the day that you agreed with them.
The maximum amount you may withdraw per day from cash machines in the UK is £250 for a Full Limit Card and £50 for Lower Limit Card.
You can withdraw cash from any cash machine that carries the MasterCard® Acceptance Mark.
No. You can only use a cash machine as your Pockit Prepaid Card is not linked to a bank account.
Like credit or debit card your Pockit Prepaid Card can be used to buy goods and services. You can use your Card in the 35 million locations across the world, anywhere you see the MasterCard® Acceptance Mark. As a ‘Chip & PIN’ card you will just need to input your PIN number into the terminal.
A pending transaction is simply a transaction that is waiting to be applied to your Card. You do not have to do anything because a pending transaction is just part of the process by which a purchase is charged to your Card. If you think the pending transaction is not correct please contact us without undue delay.
A pending transaction will either turn into a finalised transaction or will be deleted within 14 days.
Transactions may be declined if the merchant cannot verify that there are enough funds on your Card to cover the value of the transaction you are making, including any applicable charges.
If you are using your card for car hire, hotel reservations and general bookings or to guarantee a payment, the prepaid funds on your card will be pre-authorised and blocked for payment of the services that you request.
Some businesses – car hire and hotels in particular – may block more funds than you expect to use and this will affect the available balance on your card. The blocked funds will not be available for you to use until the final bill has been settled and cleared.
Usually the unspent amount is made available for use within a day or two of payment. However, in some instances it can take up to 14 days for the transaction to be fully processed and for your card to be credited.
Yes you can, but please note that when you register your card with PayPal, a pre-authorisation is carried out to make sure your card is valid. This means they block a small amount on your card (usually £2 or less) to check that there is available balance. The pre-authorisation expires after 14 days and is never collected from the card. Therefore make sure you have at least £2 on your card if you are going to register it with PayPal.
Where it is possible to cancel an authorised transaction you can do so; it may take a few days for your funds to become available to spend. Please contact the Pockit Team if you wish to discuss cancelling a transaction.
We have negotiated cashback deals with a number of leading retailers and partners across the UK. The cashback scheme allows Pockit cardholders to earn cashbacks between 2-10% of their transaction when they spend at our participating retailers, directly onto your card. The cashback is applicable for in-store and online purchases, unless otherwise stated.
You can then use this cashback however you chose; to withdraw as cash or to make further purchases.
When you use your Pockit Prepaid Card at our participating retailers you will receive the agreed cashback amount. The cashback will be paid on to your Pockit Prepaid Card and you will be able to see this within the ‘Cashback’ link once you login.
No. The number of times you can earn the cashback at the participating retailers is unlimited.
This can take up to 60 days from the month end of the month you made the purchase. It varies from retailer to retailer but rest assured that as soon as Pockit receives the money from a retailer we will cash-it-back as quickly as possible.
Yes. This will appear as a credit on your statement.
Yes. The cashback will apply to any purchases at our participating retailer. For example, if you are student you can present your student card to get your discount and pay with your Pockit Prepaid Card so you get cashback on your purchases as well.
Pockit is adding participating retailers all the time but at the moment the list includes M&S, B&Q, New Look, Halfords and many more. For a full list please have a look at our participating retailers – click here to view
It can take up to 60 days for our partners to process and send the cashback that you are due. If you haven’t had the cashback loaded after this time and can see the partner transaction you made on your statement, please contact us and we will look into it for you.
A Lower Limit Card looks and works just like a Full Limit Card. The key difference is that the amount of money you can load on the card is restricted to a lower level and loading via Debit Debt is not permitted. For full details see the limits below and your Terms & Conditions.
Lower Limit Cards are issued to customers whose identity and address were not automatically verified. There may be a number of reasons for this, such as a recent change of address.
Full details of the limits can be found in your Terms & Conditions. The main restrictions compared with a Full Limit Card are:
It is simple and FREE to upgrade your card and receive the full benefits of the Pockit Card Just login to your Pockit Card online and follow the instructions to provide proof of your identity and address. We will do our best to verify your details and if successful your Card will be upgraded within 48 hours. You will be able to keep your card and customer reference number and we will adjust the limits on your Card.
Please note that we cannot guarantee that your Card will be upgraded and we will let you know if this is the case.
An additional card is another card issued from your main Pockit Card. It allows other people, such as friends and family, to enjoy the benefits of Pockit. It costs 99p for an additional card and you can have up to 3 Additional Cards linked to your main card. Simply log in to the Customer Section and complete the form in the ‘Additional Card’ link and your additional card will be on its way.
Additional Cards are only allowed on Full Limit Cards.
Additional cardholders can spend and earn cashback like a main cardholder. They cannot view the main cardholder’s transactions online or manage the main card. Any charges and fees applicable to your Card (see the Charges & Fees section) will apply to Additional Cardholders as well as the Main Cardholder.
You can order up to a maximum of 3 additional cards and each additional cardholder must be 13 years of age or older and be a UK resident. All cards will be sent to the primary cardholder’s address.
As a responsible e-money issuer, Wirecard Card Solutions Limited ensures that once it has received your funds they are deposited in a secure account, specifically for the purpose of redeeming transactions made by your Prepaid Card.
In the unlikely event that Wirecard Card Solutions Limited becomes insolvent, funds that you have loaded, which have arrived with and been deposited with Wirecard Card Solutions Limited are protected against the claims made by creditors.
The Prepaid Card is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the Prepaid Card. This means that in the event that Wirecard Card Solutions Ltd becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.
Phishing is a way of attempting to acquire sensitive information. We will never send an email to a cardholder requesting security or any other confidential information about their Pockit Prepaid Card. If you receive an email claiming to be from Pockit Limited or Wirecard Card Solutions Limited with a link to what appears to be the Pockit or Wirecard website, do not enter your personal or Pockit details. Pockit and Wirecard are in no way involved with this email and the website does not belong to Pockit or Wirecard. Never reply to any such emails or disclose any personal information on such websites.
If you think you have received a fraudulent email, please forward the entire email including the header and footer to firstname.lastname@example.org
As soon as you realise your card is lost or stolen call us on 020 7209 7533 and we will cancel your Pockit Prepaid Card. After you have cancelled it, we will issue you with a new Pockit Prepaid Card. Alternatively you can email us at email@example.com
When you log in online you will be able to manage your main card in full, from loading and moving money, managing and setting your alerts, to reviewing your statements. Everything you need to make the most of your Card can be found once you login and if you ever need any further help you can just call us on 020 7209 7533 and we’ll be happy to help. If you have a Lower Limit Card you cannot move money or load online.
To move funds online, once you are logged into your prepaid card, go to the 'Move Funds' tab, select the source you wish to move money from and to and then select the amount. Moving funds is not available to Lower Limit Cardholders.
Available balance means cleared funds associated with your card that are available to spend. If you have additional cards linked to your main card they may have separate balances. The total balance on your Pockit Card, including all Additional Card balances, may therefore differ from the main card.
You can check your available balance online. Simply log in to your prepaid card and your available balance will be displayed.
To reset your password simply login to the Pockit website. In the ‘Settings’ link you will see the simple instructions to changing your password.
Simply click on the ‘Forgotten Password’ link when you are logging in and you will be provided with the information you need to reset your password.
If you want to change your address or name you will need to call us on 020 7209 7533. To change your address you will need to provide proof of address or name. For other changes, please login to the website where you will be instructed on how to make changes.
When you are logged in to your prepaid card, you will be able to view and download statements for your Pockit Card.
To close your card you will need to Contact us on 020 7209 7533. There is no charge for closing or redeeming your balance if you have one. Alternatively, you can withdraw cash from an ATM.
Your Pockit Prepaid Card will expire after 36 months from the card opening date and the ‘Valid to’ date is shown on your card. We will automatically issue you with a new card. If you have not used your card for a while we may contact you before to check that you would like to receive a new card.
You can contact us in the following ways, we’re always here to help:
*Lines open 8am - 9pm. 7 days a week. Calls cost up to 8p per minute for BT customers.
Calls made using other service providers or mobiles may vary. Calls may be monitored.