What is the Pockit MasterCard® Prepaid Card?

The Pockit Pay Monthly and Pay As You Go (PAYG) Prepaid Card is a prepaid MasterCard that provides a secure and simple way to manage your money and allows you to earn cashback* when you spend money at participating retailers.

What is a prepaid card?

Prepaid cards look just like a credit or debit card, 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, these cards allow you to spend the amount you have loaded onto them, helping you to stay in complete control.

You can use the Pockit Prepaid MasterCard at over 32 million locations and withdraw cash from over 1.5 million cash machines worldwide – wherever you see the MasterCard Acceptance Mark.

Are there any parts of the UK where the Pockit Prepaid Card is not available?

The Pockit Prepaid Card is available in England, Wales and Scotland. However, please note, the card is currently NOT available to households in Northern Ireland and Republic of Ireland.

Is there a minimum age to become a Pockit Cardholder?

Yes, all primary cardholders must be at least 18 years old. However, please note that additional cardholders (i.e. secondary cardholders) can be below 18 years of age.

Who provides the Pockit Prepaid Card?

The Pockit Prepaid Card is offered by Pockit Limited and provided by Tuxedo Money Plus Limited. The card is issued by IDT Financial Services Limited pursuant to a license by MasterCard International Incorporated.

Who is Tuxedo?

The Pockit Prepaid MasterCard® is provided by Tuxedo Money Plus Limited. Tuxedo Money Plus Limited is an approved MasterCard® member service provider in the UK.

When will I receive my Pockit Prepaid Card?

Your card should arrive within 7-10 days of you becoming a cardholder with Pockit. We always try to get this to you as quickly as possible.

Can I get additional cards for other family members?

You can have up to 2 additional cards linked to your eccount (i.e. 3 cards in total). The second and third card can be in someone else’s name. You can apply for an additional card by clicking on the ‘Additional Cards’ tab in your online eccount.

Costs, Fees & Tariffs

How much does my Pockit Prepaid Card cost?

The Pockit Pay Monthly Prepaid Card costs £3 per month with no application fee. The Pockit Pay As You Go Prepaid Card has a £5 application fee but no monthly cost. Any additional cards cost £4.95, which will be deducted from your account balance automatically. So please make sure you have at least £4.95 when you are requesting an additional card.

What happens if my monthly payment for Pay Monthly Prepaid Card fails?

In the event that your monthly payment to Pockit fails, you will have 7 working days to provide new card details for payment. Once these days 7 working days have elapsed, you will immediately be switched over to the Pockit Pay As You Go Prepaid Card and you will no longer be able to take advantage of the Pockit Cashback Scheme.

If my monthly payment to Pockit fails, how do I setup a new payment?

1. Login to your Pockit website account by clicking here
2. Enter your email address and password
3. Once you have logged into your dashboard select the ‘make a payment’ option from the menu on the right
4. Enter all necessary payment information
5. Click the ‘make a payment’ button

Please note that from this point on your monthly payment for your Monthly Prepaid Card will be taken from the new card information you have entered.

What fees are associated with the Pockit Prepaid Card?

Please see the table below with our card fees.

What is an Investigation Fee?

Please see the IDT Terms and Conditions, page 11, clause 17.5 for a detailed explanation of this.

Will I pay any fees if I do not use my Pockit Prepaid Card?

There are no charges for not using your Pockit Prepaid Card.

Is there a cancellation fee if I want to cancel my Pockit Prepaid Card?

No. However, our T&Cs refer to a redemption fee, which is only payable if you would like the money that is on your eccount to be transferred to your bank account. You can also withdraw the cash from an ATM instead of paying the redemption fee.

Will I be paid interest on the funds that are loaded into my Pockit eccount?

No, the Pockit Prepaid MasterCard® is a prepaid card not linked to a current account and is subject to e-money regulations. Therefore interest is not paid on this product.

Your PIN

How do I get my PIN?

Before you can start using your card you must first obtain your PIN.

Call our secure automated PIN retrieval service and you will be prompted to follow five easy steps:

1. 1. Call 0845 872 0827 or +44207 07 82717 from abroad
2. 2. Enter your nine-digit eccount number (bottom left number on your card)
3. 3. Enter the last four digits of your card number (the number across the middle)
4. 4. Enter the four-digit secret number supplied during registration
5. 5. Memorise the PIN that is read out by our automated system

How can I change my PIN?

You can change your PIN at most cash machines in the UK by inserting your Pockit Prepaid Card and following the on-screen instructions.

How to Top Up Your Card

How can I load money on to my Pockit Prepaid Card?

There are a number of ways to top-up your card:
• Online by debit or credit card via your online prepaid eccount
• Free by BACS (bank transfer)
• At over 22,000 PayPoint locations and 12,000 Post Office branches
• By having your wages or benefits paid into your account

PLEASE ENSURE THAT WHEN YOU LOAD YOUR CARD BY BACS THAT YOU PUT YOUR ECCOUNT NUMBER (THE 9 DIGIT NUMBER ON THE BOTTOM LEFT OF YOUR CARD) AS THE REFERENCE

For a table summary of the charges for each loading method, please click here

How to load by BACS

When you are loading by BACS you must transfer the money to the following account details:

Sort code 62 31 31
Act 00000000
Reference: Cardholders Eccount Number (The 9 digit number on the bottom left of your card)

How to load by Credit/Debit Card

When you are loading by Credit/Debit Card please use the following steps:
1. Click the ‘manage my card’ button on the Pockit Login page
2. Enter all necessary details to access your eccount
3. Once you are logged into your eccount, go to the top up page by clicking the ‘top up’ button on the left hand side menu
4. Click ‘add a new credit/debit card’ on the top up page
5. Enter the details of the credit/debit card, which you wish to load money from and click the ‘add card’ button
6. Enter the card security code and amount which you wish to load and click the ‘submit’ button
Please note that if you have been issued with a lower limit Pockit Prepaid Card the credit/debit card loading channel will not be available to you.

How do I know if I have been issued a higher limit or lower limit Pockit Prepaid Card?

Once your application for a Pockit Prepaid Card has been processed, you will receive an email confirming this from alerts@secureprepaid.co.uk. The first line of the email, will state the accumulative limit of the card. A higher limit card has an accumulative limit of £5,000 and a lower limit card has an accumulative limit of £2,000. For full details on the differences between the two limits, please look at the IDT Terms and Conditions.

How do I switch from a lower limit card to a higher limit card?

To do this is very simple and FREE. Please call the Prepaid Card Team on 08458720827 (open 9am – 6pm, Mon-Sun). They will help you through this process.

How long does it take for the funds to clear and be on the card?

When loading with a debit or credit card for the first time, it can take up to three working days for the funds to clear on to your Pockit Prepaid Card. However, all subsequent loads using the same debit or credit card will be instant.

Bank transfers can take up to three days to clear.

Cash loads made at a Post Office will take one working day to clear but PayPoint loads clear on the same day.

How to Withdraw Cash and Make Purchases

Where can I withdraw cash?

You can withdraw cash from any cash machine that carries the MasterCard acceptance logo.

How much cash can I withdraw each day?

The maximum amount you may withdraw per day from cash machines in the UK is £500 for a £5,000 card and £120 for a £2,000 card. Your limit abroad will depend on the bank from which you withdraw.

Can I use my Pockit Prepaid Card to get cash over the bank counter?

No. You can only use a cash machine as your Prepaid Card is not linked to a bank account.

Can I use my Pockit Prepaid Card to make purchases?

Yes. You can use your card wherever you see the MasterCard Acceptance Mark, as long as you have sufficient funds on your card. The Pockit Pay Monthly Prepaid Card will be free to make purchases and the Pockit PAYG Prepaid Card will cost £0.45 per transaction.

What is a pre-authorisation?

A pre-authorisation is carried out when a merchant reserves money on a card to ensure payment for their services. Places such as restaurants, hotels and petrol stations do this quite often. For example, a pub or restaurant may pre-authorise a set amount when you open a tab at the bar. If you final bill is less than the pre-authorised amount it may take a few days for you to receive the balance as a refund into your account.

Can I use my Pockit Prepaid Card to guarantee payments or make reservations?

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 via MasterCard®
• 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.

Can I use my Pockit Prepaid Card to make purchases using PayPal?

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 15 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.

What address should I give when I purchase goods online, by mail order or by phone?

Provide the address you used when you registered as a member on Pockit. If you are unsure, which address you used, please login to your Pockit account and check your account details.

What is a pending transaction?

This is a temporary charge held against your available balance. It will be associated with one of the following:
• A transaction you have made with your Pockit Prepaid Card, which has been authorised but has not yet reached your account
• ‘Reserved’ funds requested by certain retailers, hotels, restaurants or other outlets
• A payment or cash withdrawal you’ve made to your account that has not yet cleared

What happens to a pending transaction?

A pending transaction will either turn into a finalised transaction or will be deleted within 14 days.

What should I do if I have a pending transaction on my account?

You do not have to do anything because a pending transaction is part of the process by which a purchase is charged to your account. The only time you should be concerned is if you think the pending transaction is fraud. If so contact us immediately.

How are my transactions authorised?

The merchant requests authorisation via MasterCard. Tuxedo Money Plus Limited is linked to MasterCard via a processor, which verifies that you have enough funds available on your Pockit Prepaid Card. If approved, the money is paid to MasterCard from the Pockit Prepaid Card for settlement to the merchant. If there are not enough funds available on your Pockit Prepaid Card the transaction will be declined.

What if I want to cancel a transaction or card authorisation?

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.

When are transactions declined?

Transactions are usually declined if the merchant can’t verify online that there are enough funds in your account to cover the value of the transaction you are making, including any applicable charges.

Cashback (Pay Monthly Cardholders ONLY)*

What is the Pockit ‘Retailers Cashback’ Scheme?

The Pockit cashback scheme allows Pockit Pay Monthly Prepaid cardholders to get paid a cashback between 2-9% of their transaction when they spend at our participating retailers.

How does the cashback get paid?

When you use your Pockit Prepaid Card at our participating retailers you will get the designated cashback. The cashback will be paid on to your Pockit Prepaid Card and you will be able to see this on your online statement.

Who are the participating retailers?

Pockit is adding participating retailers all the time but at the moment the list includes ASDA, M&S, B&Q, New Look, Halfords, Comet and many more. For a full list please have a look at our participating retailers

Is there a limited number of times I can use the cashback deals Pockit has with the retailers?

No. The number of times you can earn the cashback at the participating retailers is unlimited.

How long will it take for the cashback to show up in my account?

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.

Will I be able to see how much cashback I have earned?

Yes. You will be able to see the cashback you earned on your online statement. This will appear as a credit in your account and you will be able to see from which retailer it has come from.

Will I get cashback on petrol from ASDA petrol pumps?

Yes you will when you fill at a manned petrol station. Unmanned petrol stations do not accept prepaid cards.

Will I receive cashback in addition to special offers or promotions?

Yes. The cashback will apply to any purchases at our participating retailer. 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.

Managing Your Pockit Prepaid Card

Am I an ‘eccount holder’ or a ‘cardholder’?

When you ‘log in’ online, you will be asked to select if you are an eccount holder or a cardholder. You are the eccount holder if you are the person that applied for the card in the first instance and you are a cardholder if you have a second card on someone else’s eccount.

How do I reset my password?

To reset your password, access the ‘manage your card’ section via the login button on the Pockit website, once you are logged into your prepaid card, select the ‘Security’ tab and select ‘Change Password’.

What do I do if my address or contact details change?

When you are logged into your Prepaid Card account, select the ‘Account Holder’ tab and you can update your personal details there. REMEMBER that you have to change your details in your Pockit account separately. So if any of your details change make sure you update your Pockit Prepaid Card account and your Pockit membership account.

How do I download my statements?

When you are logged in to your prepaid card account, go to the ‘Statement’ tab and select the statement period you wish to download. You can either print it or save it on your computer by clicking ‘Export’. The statement will be saved in a Microsoft Office Excel CSV file format.

How do I move funds to and from my account?

To move funds online, once you are logged into your prepaid card account, go to the ‘Move Funds’ tab, select the source you wish to move money from and to and then select the amount.

What is an account balance?

Your account balance shows funds that have not been assigned to your card/cards.

What is an available balance?

Available balance means cleared funds associated with your card that are available to spend.

How do I check my available balance on my Pockit Prepaid Card?

You can check your available balance in a number of ways:
• Log into your prepaid card account and check your available balance there.
• Call our automated service on 08458720822
• Insert your card into a cash machine, follow the on screen instructions and check it there
• Send a text to 80777 (+44 7781474776 if overseas). Please write the following: BAL XXXX (XXXX represents the last four digits of the 16 digit card number on the front of your card)

Card Security

How do I report that my card is lost or stolen?

As soon as you realise your card is lost or stolen call us on 020 7078 2711 and we will cancel your Pockit Prepaid Card. After you have cancelled it, we will issue you with a new Pockit Prepaid Card.
You can also send us a text to 80777 and write the following:
LOST or STOLEN
Please note that if you require a new Pockit Prepaid Card this will cost £4.95

What is Phishing and how do I avoid it?

Phishing is a way of attempting to acquire sensitive information. We will never send an email to a member requesting security or any other confidential information about their Pockit Prepaid Card. If you receive an email claiming to be from Pockit Limited, Tuxedo Money Plus Limited or IDT Financial Services with a link to what appears to be the Pockit, Tuxedo or IDT website, do no t enter your personal or account details. Pockit, Tuxedo and IDT are in no way involved with this email and the website does not belong to Pockit, Tuxedo or IDT. 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 security@eccount.com.

How safe is my money?

As a responsible e-money issuer, IDT Financial Services Ltd 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 IDT Financial Services Ltd becomes insolvent funds that you have loaded which have arrived with and been deposited by IDT Financial Services Ltd are protected against the claims made by creditors.

Expiry and Account Closure

What should I do when my Pockit Prepaid Card expires?

Your Pockit Prepaid Card will expire after 36 months from the account opening date. After this time the funds on your card will expire and become valueless. You will need to reapply for a Pockit Prepaid Card. If you have any unused funds on your old card, we will transfer these on to your new card. If you do not wish to apply for a new card, we will transfer any funds on your old card back to you, after deducting a £10 cash out fee.

How do I close my eccount?

Contact us, call 0845 872 0822. Fees may apply; see our Terms and Conditions for details.

Contact Us

How do I contact the Pockit Prepaid Card Team?

Please call us on 0845 872 0827 or if overseas +44 207 078 2717. You can email us at pockit@eccount.com.