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Pockit cashcard.

It's Simple.

Just load your money,
spend where you like,
earn cashback,
top it back up.

Tell me more
Pockit Cashcard – It's Simple

Pockit cashcard.

It's Rewarding

Get up to 10% cashback
onto your card – just check
out our cashback shops
and restaurants.

Tell me more
Pockit Cashcard – It's Rewarding

Pockit cashcard.

It's Easy.

Load your card online,
at 25,000 local shops
and 12,000 post offices.
Then spend and pay bills
online and in-store.

Tell me more
Pockit Cashcard – It's Secure

Pockit cashcard.

It's Secure.

Guaranteed Approval*,
there's no interest,
no hidden charges and
no need for a
bank account.

Tell me more *However the cardholder may be turned down if information cannot be verified. You must be over 18 and a UK resident.
Pockit Cashcard – It's Easy

The award winning card – only £4.95

Prepaid Card Awards

Loading money and topping-up your Pockit cashcard couldn't be easier or more convenient. Either do it online, or at 25,000 PayPoints, 14,000 Post Offices, or by Credit/Debit card and by BACS transfer too.

Online, on the high street, in restaurants, at hotels, paying bills, making cash withdrawals from ATM's – yes, you can use your Pockit cashcard wherever you see the trusted MasterCard Acceptance Mark – anywhere in the World.

If you are 18 or over and a UK resident you can have a Pockit cashcard. 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 too, and how you want to pay your one–off £4.95 sign up fee. If it's better for you, for £5 you've got the option to sign up via SMS too.

*However the cardholder may be turned down if information cannot be verified. You must be 18 or over and a UK resident.

You can have up to 2 additional Pockit cardholders linked to your account in separate names. So it's a simple way to share money securely between family or friends, age 13 or over, anywhere in the world. It's also a straight forward solution to money management at work.

Everyone loves getting something back – and everyone will with Pockit. Try 6% back every time you shop with your Pockit cashcard 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.

Your money is your business – and Pockit keeps it that way. There's no need for Banks or Credit Card companies, so there's never any interest or hidden charges – and no chance of you over–spending. You know what you've got on your Pockit card is all that you can spend, and you know you've got access to your money whenever you like. It just keeps things, really easy, really simple and completely hassle free – just the way it should be.

  • Paypoint
  • Post Office
  • Mastercard
Top-up at over 37,000 UK locations – MasterCard acceptance worldwide Get my card

Everyone's easy-to-use, everyday cashcard

Shopping safely at your favourite places online and instore, sharing money with family,
paying household bills... whatever you need to do with your money, Pockit is the easy way to pay.

  • Online
    Shopping

    A prepaid Pockit cashcard enables you to spend online everywhere you see the MasterCard Acceptance Mark. It's not linked to a Bank Account so it's even more secure than credit or debit cards – and you can earn great cashback from our line-up of participating retailers too!

     

    Everyday
    Convenience

    Online, on the high street, paying bills, eating out, making cash withdrawls from ATM's – a prepaid Pockit cashcard gives you all the everyday convenience of a MasterCard without the need for a bank – so no hefty interest charges or overdrafts.

     
  • Paying
    Bills

    Electricity, water, council tax, mobile phones, broadband and TV providers – they can all be managed simply with a prepaid Pockit cashcard. You can even set up standing orders and set balance reminder alerts, to stay right up to date with your money.

     

    Holiday
    Money

    Tickets, passport, Pockit! That's your essential holiday checklist. A prepaid Pockit cashcard is a cost effective and secure way to manage and carry holiday money. Simply load before you travel and use wherever you see the MasterCard Acceptance Mark anywhere in the world.

     
  • Money
    Management

    A prepaid Pockit cashcard means you can track your daily spending online to really stay on top of your finances. Just load your money, then use online, on the high street or to pay bills – wherever you see the MasterCard Acceptance Mark.

     

    Student
    Budgeting

    They're off to university – accompanied by their student loan! A prepaid Pockit cashcard is the perfect way for them to manage their own money. Yes it's a time to get social – but responsible too. Pockit is a great way to start as you mean to go on – in control!

     
  • Family
    Flexibility

    A prepaid Pockit cashcard is the ideal way for family and friends to share money. You can link 2 secondary cards to one account (so 3 cards in total) – home or abroad. Your children can be secondary card holders – so it's the safer alternative to carrying cash.

     

    Alternative
    Banking!

    Some of us haven't got a Bank. Some of us don't want one! So Pockit provides a great, alternative. It's a prepaid MasterCard, so you've got the freedom to shop online or the highstreet, pay bills, withdraw cash from ATM's – just like you would with a Bank account – minus the overdraft charges!

     
  • Pockit
    Money

    Just having access to money without carrying cash or credit cards is handy – not to mention safer. Top-up your prepaid Pockit cashcard before you go out and you've got 'pockit money' to hand whenever you need it – as well as the convenience and security that comes with MasterCard.

     
  • Shop
    & Save

    M&S, B&Q, New Look, Halfords, Toys R Us… just a few of the big names where you earn handy cashback onto your card everytime you shop in-store or online and pay with your Pockit cashcard. Check out our list of shops and restaurants – you can Pockit up to 10% cashback!

     
Get my card

How it works at a glance

  • 1

    Apply today

    Click Get my card, we only need a few details.
    Guaranteed Approval*

  • 2

    Receive your card

    We’ll confirm in minutes by email that
    your card will arrive within 7 days

  • 3

    Load, shop, top-up

    Load and top-up online, at PayPoints,
    Post Offices or by credit/debit card or BACS

  • 4

    Spend and save

    Cashback from big high street names,
    plus vouchers and discounts are all yours

Get my card *However the cardholder may be turned down if information cannot be verified. You must be over 18 and a UK resident.

The Pockit Team are here to help

If you want to find out more, our Help page answers the 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 will come straight back to you.

By phone

0845 872 0827 (#9)
Open 7 days a week. 9am-6pm

Live chat

Chat now to one of our team via
our Pockit live chat app.

Up to 10% Cashback!

Browse our fantastic list of shops and restaurants to reveal what you
earn everytime you shop with them using your Pockit cashcard. And
remember any cashback with Pockit is on top of any promotions or
discounts – both online and instore, unless marked otherwise.

  • 6%Back
    Every time you visit
    Marks & Spencers
    In-store and online
  • 5%Back
    Every time you visit
    B&Q
    In-store and online
  • 8%Back
    Every time you visit
    VIRGIN EXPERIENCE
    In-store and online
  • 7%Back
    Every time you visit
    NEW LOOK
    In-store and online
  • 6%Back
    Every time you visit
    HALFORDS
    In-store and online
  • 6%Back
    Every time you visit
    TOYS R' US
    In-store
  • 4%Back
    Every time you visit
    1860
    In-store and online
  • 8%Back
    Every time you visit
    ZIZZI
    Restaurant
  • 8%Back
    Every time you visit
    STRADA
    Restaurant
  • 8%Back
    Every time you visit
    BELLA ITALIA
    Restaurant
  • 8%Back
    Every time you visit
    CAFE ROUGE
    Restaurant
  • 8%Back
    Every time you visit
    BELGOO
    Restaurant
  • 5%Back
    Every time you visit
    PERFUME BARGAINS
    Online
  • 6%Back
    Every time you visit
    BABIES R US
    In-store and online
  • 5%Back
    Every time you book with
    HOTEL STAY UK
  • 2%Back
    Every time you visit
    RED SPOTTED HANKY
    Online
  • 10%Back
    Every time you visit
    H. SAMUEL
    In-store and online
  • 10%Back
    Every time you visit
    ERNEST JONES
    In-store and online
  • 10%Back
    Every time you visit
    LESLIE DAVIS
    In-store
  • 4%Back
    Every time you visit
    FAIRSHARE MUSIC
    Online
  • 4%Back
    Every time you visit
    GREENWOODS
    In-store and online
  • 4%Back
    Every time you visit
    MANSIZE
    In-store and online
  • 4%Back
    Every time you visit
    THEATRE TOKENS
    Online
  • 6%Back
    Every time you visit
    DRINK SUPERMARKET
    Online

How our cashback works

Shop at one of
our partner retailers and restaurants
Just make sure you use
your Pockit card
We receive a commission on
the amount you spend
We load this back onto your
card within 45 days for you to
spend wherever you want
Get my card

Our fees

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.

  • No monthly fee
  • No minimum contract
  • No cancellation fee
Usage Fees
Application Fee £4.95
Transaction Fee £0.45
UK ATM Fee £1.50
International ATM Fee £2.25
Foreign Exchange Fee 3.00%
Loading Fees
BACs Free
Debit Card Free
Credit Card 3.50%
Post Office £1.00
Paypoint 3.00%
Limits (maximum allowed)
Monthly load £5,000
Total Annual load £20,000
Daily online Credit/Debit card load £750
Weekly Credit/Debit card load £2,000
Daily ATM withdrawal £500
Other charges
Replacement card £4.95
Additional card £4.95
Dormancy fee Free
SMS alert £0.08
Email alert Free
Get my card

Hear what a few ‘Pockit People’ have to say!

"I really like my Pockit card, it rewards me for doing
my shopping at places like M&S and Halfords."
Sue, Chichester
"Just wanted to say what a fab idea this is, I can now have the convenience
of using a card when I have funds – it's brilliant. Thank you."
Janice, Worcester
"The card works great, I’ve mainly been using it for the cashback deals, I buy as much
as I can from M&S instead of other places. I have found it so easy to setup and use.
I remind myself of where I can save by looking on the website every so often."
Meheen, London
"We use the Pockit Prepaid Card for all our household expenses as it is easy to
keep track of what is being spent. We try and use it at participating
retailers as much as possible so we save on a weekly basis."
Vaneesha, London
"I chose Pockit because it is easy and safe to use both online and in-store,
since you can only spend what is available on the card you can really manage
your money. The cashback offers are an additional benefit!"
Maurice, Kilmarnock

Accepted worldwide

Pockit gives you all security that goes with MasterCard – that means you
can use your Cash Card safely across 28 million locations and 1.5 million
ATM’s worldwide – now that's convenience!

A few common questions

For answers to questions often asked, just click the yellow arrows.
If you want to know more, no problem, please just get in touch

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.

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) must be at least 13 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.

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.

How do I access my 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.

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

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

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.

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 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:

  • 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
How to load by Credit/Debit Card

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.
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 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.

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

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

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.

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

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 limit card and £120 for a £2,000 limit card. Your limit abroad will depend on the bank from which you withdraw.

Where can I withdraw cash?

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

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.

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

When are transactions declined?

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.

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

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 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.

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.

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 eccount and you will be able to see from which retailer it has come.

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.

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

What is the Pockit ‘Retailers Cashback’ Scheme?

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.

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 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

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.

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

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 move funds to and from my account?

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.

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 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)
What is an account balance?

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

How do I reset my eccount password?

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

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.

How do I download my statements?

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.

How do I close my eccount?

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

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 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.