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without credit checks

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4.1    by 32,172+ reviews

900,000+ customersThe Spectator Economic Disruptor of the Year AwardAs seen on BBC

Pockit is a prepaid account, not a bank. Prepaid accounts are not covered by the Financial Services Compensation Scheme (FSCS).

Discover Pockit

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Cash Advance

  • Get up to £100 cash advance
  • 0% interest, only a flat fee of £4.99 for £50 or £9.99 for £100
  • No hard credit checks
  • The advance is automatically repaid in up to 30 days on your payday
Apply now

Terms and eligibility criteria apply. Powered by SteadyPay.

🪴

Pockit Credit Builder

  • Build your credit score with the major UK Credit Reference Agencies
  • Get access to up to £500 in personal credit in just 3 months
  • No hard credit checks
Experian TransUnionEquifax
Apply now

Available with the Pockit Fast Track to Credit plan. Powered by SteadyPay.

😎

Cashback & Rewards

  • Earn up to 15% in cashback & rewards from major high street brands
  • Save up to £264 on mobile, TV & broadband bills
  • Get a chance to win one of the 1000’s prizes every week
Apply now

Terms and limits apply.

🛡️

Purchase Protection

  • Up to £1,000 purchase protection against damage or theft
  • Refund protection for 90 days
  • Ticket cancellation protection
  • Extra 12 months warranty on electronic appliances

Available with Pockit Extra and Pockit Fast Track to Credit plans. Terms apply. Powered by Jove, underwritten by Wakam.

Pockit benefits

A digital account made for everyone

New to the UK

Low credit score

Denied credit or loan

No credit history

Unverified address*

No photo ID*

Secondary account

Cashback & rewards

Get paid a day early

*subject to AML and regulatory requirements

Testamonials

Trusted by 900,000+ customers

"It was simple to use and the funds were deposited promptly into my account!"

Sarah J. from London

Pockit customer since June 2019

“Ease of use, straightforward, no nonsense banking”

Lindsey D. from Boston

Pockit customer since January 2022

“Overall the online banking is very easy to use and happy I’ve got Apple Pay it’s very convenient!! 😊”

William K. from Leeds

Pockit customer since January 2021

“You get your digital card as soon as you sign up so you can use the account.”

John M. from London

Pockit customer since September 2023

“It's very easy to understand the fees, transfers are fast and just a great overall account, no overdraft so you can't over spend what you don't have.”

Audrey R. from Birmingham

Pockit customer since September 2016

Get a personal account in 3 minutes

without credit checks

Apply now

4.1    by 32,172+ reviews

900,000+ customersThe Spectator Economic Disruptor of the Year AwardAs seen on BBC

Security and support you can trust

Secure

🔒

Safe & Secure

Pockit uses secure infrastructure to protect your data and keep your account safe.

Manage Card

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Card controls: lock, unlock

Manage your Pockit card in the app and stay safe with 24/7 protection against fraud.

☎️

Anytime, anywhere support

If you need help, reach out to our support team in app, email or visit Help Centre.

1. Representative example based on national averages for spending in certain categories. Cashback can only be earned at the participating retailers. Read more here —>

2. Subject to satisfactory ID checks.

3. When you get paid into Pockit via BACS transfer, we can advance you the money at 6pm on the day before it’s due. Read more here —>

† Sign up in app or web. 18 years and older, subject to satisfactory residence and ID checks. Please note your card will not be dispatched until you have successfully verified your account. Delivery time depends on the delivery method you selected during signup and provided as a guidance only. Actual delivery times may vary and depend on Royal Mail.

Product images are for illustrative purposes only and may differ from the actual product.

Pockit promotion terms & conditions

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Pockit App

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Download the Pockit app on your iPhone or Android device.

The Pockit Card is issued by PSI-Pay Ltd pursuant to a license by Mastercard® International Inc. Funds held within the Pockit account are issued by PSI-Pay Ltd, authorised and regulated by the Financial Conduct Authority of the United Kingdom under the Electronic Money Regulations 2011 (FRN 900011) for the issuing of electronic money.

Access to payments including FPS, BACS, CHAPS and Direct Debits and associated electronic money accounts are provided by Modulr FS Limited. Pockit Limited is a distributor of Modulr FS Limited, a company Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573)  for the issuance of electronic money and payment services.

Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see UK Safeguarding Explanation.

Pockit Limited (FRN 551245) is an Authorised Representative of Jove Technology Limited (FRN 977188). Pockit Limited is permitted to assist with the administration of insurance products on behalf of Jove Technology Limited.

Pockit Limited (FRN 551245) is an Authorised Representative of Steadypay Limited (FRN 789333). Pockit Limited is permitted to assist with the administration of consumer credit products on behalf of Steadypay Limited.

UK Safeguarding Explanation
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Pockit LTD