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.

Yes, all primary cardholders must be at least 18 years old. However, please note that additional cardholders (i.e. secondary cardholders) must be at least 13 years of age.

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.

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.

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.

Once your card has arrived in the post, you can access your eccount by following these simple steps:

Log in to the Pockit website by clicking the ‘Login’ button at the top of the page; enter your email address and the password given to you in the email from accounts@pockit.com. (Note: you can change this password once you have logged in by clicking ‘My account’ from the menu on the right.)

Once you have logged in, click the ‘manage my card’ button – this will open the eccount login page in a new tab or window.

Select ‘eccount holder’ if you are the primary cardholder or ‘cardholder’ if you are an additional cardholder. Enter your eccount number and date of birth and press ‘continue’.

Next you will be asked to provide certain characters of the password you set when you signed up for your Pockit prepaid card (note: this password was NOT emailed to you due to security purposes). After entering the required characters you will arrive at your eccount.

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.

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

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.

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

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:

• Call 0845 872 0827 or +44207 07 82717 from abroad
• Choose option 2
• Enter your nine-digit eccount number (bottom left number on your card)
• Enter the last four digits of your card number (the number across the middle)
• Enter your 4-digit access code, which is the year of your birth (YYYY)
• Memorise the PIN that is read out by our automated system

When you are loading by Credit/Debit Card please use the following steps:

• Click the ‘manage my card’ button once you have logged in to the Pockit website
• Enter all necessary details to access your eccount
• 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
• Click ‘add a new credit/debit card’ on the top up page
• Enter the details of the credit/debit card, which you wish to load money from and click the ‘add card’ button
• 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.

To do this is very simple and FREE. Please call the Prepaid Card Team on 0845 872 0827 (open 9am – 6pm, Mon-Sun) and one of our customer services staff will help you through this process. Please note, you will need a proof of ID and proof of address to upgrade your card, this is for security purposes.

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 2-4 working days to clear but PayPoint loads clear on the same day.

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

IMPORTANT: 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.

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

Sort code: 62 31 31
Account No. 00000000
Reference: Cardholders Eccount Number (The 9 digit number on the bottom left of your card)

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

You can withdraw cash from any cash machine that carries the MasterCard Acceptance Mark.

No. You can only use a cash machine as your Prepaid Card is not linked to a bank 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.A pending transaction will either turn into a finalised transaction or will be deleted within 14 days.

Transactions are usually declined if the merchant cannot verify online that there are enough funds in your account 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 via MasterCard

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.

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.

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 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.

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

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.

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

The Pockit cashback scheme allows Pockit cardholders to get paid a cashback between 2-10% of their transaction when they spend at our participating retailers.

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, Tuxedo Money Plus Limited or IDT Financial Services with a link to what appears to be the Pockit, Tuxedo or IDT website, do not 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

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.

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

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.

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

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

You can check your available balance in a number of ways:

• Log into your prepaid card eccount and check your available balance there
• Call our automated service on 0845 872 0822 and choose option 3
• 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)

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

To reset your eccount password:

• Login to the Pockit website
• Click the 'manage my card' button
• Enter the required security information
• Once you've accessed your eccount, select the 'security' tab from the left-hand side menu
• Select 'Change Password'

When you are logged into your Prepaid Card eccount, 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 update your Pockit Prepaid Card eccount and your Pockit website account.

When you are logged in to your prepaid card eccount, 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.

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

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.

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