Build better credit score easily

Add Pockit LOQBOX to your Pockit account for FREE. Start building your credit score and set aside some money for the future — all at the same time.

Download Pockit app to get started

Download Pockit app

Trusted by over 500,000 customers

"Pockit LOQBOX definitely helped start of my credit report as I had no history due to my age."

Fred from Birmingham

"I loved my Pockit LOQBOX. I used it for a dual purpose, firstly to build up my credit rating and then to save for Christmas."

Priya from Nottingham

"Pockit LOQBOX improved my credit score and made me realise how important credit really is."

Janet from London

Why use Pockit LOQBOX?

better deals

A higher credit score means better deals on a new mobile phone, furniture or when you borrow money.

Pot of

Save for 12 months and at the end you’ll have a pot of money for a rainy day, Christmas gifts or a holiday.

Building your credit
is easier than you think

A good credit history helps you get access to loans and other credit products. You can build your credit history in a few clicks with Pockit and our partner LOQBOX.

Your credit building journey





Get account no matter
your credit history


Open your account in 3 minutes


Get your Pockit prepaid Mastercard® in 2 working days


Build your credit score with Pockit LOQBOX

Download Pockit app to get started

Download Pockit app
✓Sign up in 3 minutes
✓ No credit checks
✓ No minimum balance required

Frequently Asked Questions

What happens if I can’t make a payment?

If you can’t make a month’s payment for any reason, you have two options:

  1. Unlock your Pockit LOQBOX before your payment date and get all your savings back. This means you won’t keep building your credit history and it will be reported as a settled debt, but this is much better than missing a monthly payment, which will hurt your credit score.
  2. If you miss a payment and don’t unlock your Pockit LOQBOX before then, it can hurt your credit score.

How much does it cost?

Pockit LOQBOX is free to add to your Pockit account. Each month on the day you selected, we will collect the amount you decided to save, plus £0.99 to cover the cost of putting the money into your Pockit LOQBOX.

Can I pay in weekly or every four weeks, rather than monthly?

No. We have to take your payment on the same day each month. This date is set when you activate your Pockit LOQBOX.

Can I pay a different monthly amount or add extra money if I have it?

Nope. We have to take your payment on the same day of each month. You choose this date when you activate Pockit LOQBOX and your fixed monthly repayments are what help you build your credit history.

Can I take my money out early?

Yes, you can unlock your Pockit LOQBOX earlier, if you want. When you ‘unlock’ your Pockit LOQBOX, you get back the entire amount you’ve paid in so far. Best to wait for at least 4 months as unlocking too early could harm your credit history.

Thousands of customers love Pockit

Download Pockit app to get started

Download Pockit app