🤑 A chance to win £250

Top up your Pockit account for a chance to win £250 every week in January. Terms apply

Start building your credit score today

  • Build your credit score with the major UK Credit Reference Agencies1
  • Get access to personal credit in 3 months2
  • No hard credit checks

1Improvements to your credit score are not guaranteed. 2Terms apply.

900,000+ customersThe Card & Payments AwardsThe Spectator Economic Disruptor of the Year AwardAs seen on BBC

Check our exchange rate 🌍

Who is it for?

Pockit Credit Builder costs just £9.99/month. The full breakdown of benefits and fees can be found here.

✅ You just moved to the UK

✅ You have no credit history

✅ You have a low credit score

✅ You have been refused a credit card

✅ You are tired of getting a poor deal on credit

✅ You have been refused a loan

How it works

1

Sign up with no credit checks

Sign up to activate your Credit Builder. The credit agencies need to see that you can make regular payments.

2

Make your payments on time

Your Fast Track to Credit plan payments of £9.99 are reported each month to the main UK Credit Reference Agencies.

3

Build your credit score, it’s that easy

Your credit score is built every month with the Pockit Fast Track to Credit plan. Sign up to start today.

✓ New to the UK
✓ Poor credit score
✓ No minimum balance required

Save up to £69 vs leading providers

1When sending 4,500 GBP abroad over 12 transactions. Powered by Wise (formerly known as TransferWise).
Accurate as of 12.5.21; comparison for BRL, PKR, MYR, CYN, TRY, lKR accurate as of 1.7.21

Send £100 to
EURO 🇪🇺

Save
£1.15
with Pockit
Save
£18.08
with Pockit
Save
£1.66
with Pockit
Not available
Save
£0.44
with Pockit

Send £100 to
RON 🇷🇴

Save
£42.84
with Pockit
Save
£14.56
with Pockit
No savings
right now
No savings
right now
Save
£19.92
with Pockit

Send £100 to
PLN 🇵🇱

No savings
right now
Save
£15.71
with Pockit
No savings
right now
Save
£1.36
with Pockit
Save
£55.27
with Pockit

Send £100 to
HUF 🇭🇺

Save
£4.79
with Pockit
Save
£69.20
with Pockit
No savings
right now
No savings
right now
Save
£24.25
with Pockit

Send £100 to
BRL 🇧🇷

Save
£49.43
with Pockit
Save
£45.42
with Pockit
Save
£54.51
with Pockit
Save
£42.70
with Pockit
Save
£62.32
with Pockit

Send £100 to
PKR 🇵🇰

Save
£0.35
with Pockit
Save
£5.65
with Pockit
No savings
right now
Save
£6.32
with Pockit
Save
£25.71
with Pockit

Send £100 to
MYR 🇲🇾

Save
£19.04
with Pockit
Save
£1.63
with Pockit
Save
£35.85
with Pockit
Save
£29.95
with Pockit
Save
£29.97
with Pockit

Send £100 to
CYN 🇨🇳

No savings
right now
No savings
right now
Save
£12.90
with Pockit
No savings
right now
Save
£27.68
with Pockit

Send £100 to
TRY 🇹🇷

Save
£1.68
with Pockit
Save
£17.43
with Pockit
No savings
right now
Save
£17.43
with Pockit
No savings
right now

Send £100 to
LKR 🇱🇰

No savings
right now
No savings
right now
Save
£17.43
with Pockit
No savings
right now
Save
£17.43
with Pockit

Save up to £69 vs leading providers

1When sending 4,500 GBP abroad over 12 transactions. Powered by Wise (formerly known as TransferWise).
Accurate as of 12.5.21; comparison for BRL, PKR, MYR, CYN, TRY, lKR accurate as of 1.7.21

Send £100 to
EURO 🇪🇺

Save
£1.15
with Pockit
Save
£18.08
with Pockit
Save
£1.66
with Pockit
Not available
Save
£0.44
with Pockit

Send £100 to
RON 🇷🇴

Save
£42.84
with Pockit
Save
£14.56
with Pockit
No savings
right now
No savings
right now
Save
£19.92
with Pockit

Send £100 to
PLN 🇵🇱

No savings
right now
Save
£15.71
with Pockit
No savings
right now
Save
£1.36
with Pockit
Save
£55.27
with Pockit

Send £100 to
HUF 🇭🇺

Save
£4.79
with Pockit
Save
£69.20
with Pockit
No savings
right now
No savings
right now
Save
£24.25
with Pockit

Send £100 to
BRL 🇧🇷

Save
£49.43
with Pockit
Save
£45.42
with Pockit
Save
£54.51
with Pockit
Save
£42.70
with Pockit
Save
£62.32
with Pockit

Send £100 to
PKR 🇵🇰

Save
£0.35
with Pockit
Save
£5.65
with Pockit
No savings
right now
Save
£6.32
with Pockit
Save
£25.71
with Pockit

Send £100 to
MYR 🇲🇾

Save
£19.04
with Pockit
Save
£1.63
with Pockit
Save
£35.85
with Pockit
Save
£29.95
with Pockit
Save
£29.97
with Pockit

Send £100 to
CYN 🇨🇳

No savings
right now
No savings
right now
Save
£12.90
with Pockit
No savings
right now
Save
£27.68
with Pockit

Send £100 to
TRY 🇹🇷

Save
£1.68
with Pockit
Save
£17.43
with Pockit
No savings
right now
Save
£17.43
with Pockit
No savings
right now

Send £100 to
LKR 🇱🇰

No savings
right now
No savings
right now
Save
£17.43
with Pockit
No savings
right now
Save
£17.43
with Pockit

Manage your money anytime, anywhere with the Pockit app

Check your balance in real-time

Get instant spend notifications

Instantly lock the card if it’s lost or stolen. Get a new one easily.

Find your transactions in a few taps

Add money quickly and easily

Send 26 currencies to 49 countries

🌍
Send money to Africa

🇧🇯

Benin
West African franc
(coming soon)

🇧🇫

Burkina Faso
West African franc
(coming soon)

🇨🇮

Côte d'Ivoire
West African franc
(coming soon)

🇪🇬

Egypt
Egyptian pound
(coming soon)

🇬🇼

Guinea-Bissau
West African franc
(coming soon)

🇰🇪

Kenya
Kenyan shilling
(coming soon)

🇲🇦

Morocco
Moroccan dirham
(coming soon)

🇳🇪

Niger
West African franc
(coming soon)

🇸🇳

Senegal
West African franc
(coming soon)

🇹🇬

Togo
West African franc
(coming soon)

🇿🇦

South Africa
South African rand
+ EUR, USD

🇿🇲

Zambia
Zambian kwacha
+ EUR, USD

🌎
Send money to Americas

🇦🇷

Argentina
Argentine peso
(coming soon)

🇧🇷

Brazil
Brazilian realNEW

🇨🇦

Canada
Canadian dollar
+ USD

🇨🇱

Chile
Colombian peso
+ EUR, USD

🇨🇴

Colombia
Chilean peso
(coming soon)

🇲🇽

Mexico
Mexican peso
(coming soon)

🇵🇪

Peru
Peruvian sol
(coming soon)

🇺🇸

United States
US dollar
+ EUR

🇺🇾

Uruguay
Uruguayan peso
+ EUR, USD

🌏
Send money to Asia

🇧🇩

Bangladesh
Bangladeshi taka
+ EUR

🇨🇳

China
Chinese yuan
+ EUR, USD

🇬🇪

Georgia
Georgian lari
+ GBP, EUR, USD

🇭🇰

Hong Kong
Hong Kong dollar
+ EUR

🇮🇳

India
Indian rupee
+ EUR

🇮🇩

Indonesia
Indonesian rupiah
(coming soon)

🇮🇱

Israel
Israeli shekhel
(coming soon)

🇯🇵

Japan
Japanese yen
(coming soon)

🇲🇾

Malaysia
Malaysian ringgit
+ EUR, USD

🇳🇵

Nepal
Nepalese rupee
+ EUR, USD

🇵🇭

Philippines
Philippine peso
+ EUR

🇸🇬

Singapore
Singapore dollar
+ EUR, USD

🇰🇷

South Korea
South Korean won
+ USD

🇱🇰

Sri Lanka
Sri Lankan rupees
+ EUR, USD

🇹🇭

Thailand
Thai baht
(coming soon)

🇹🇷

Turkey
Turkish lira

+ GBP, EUR, USD

🇦🇪

UAE
Dirham(coming soon)

🇻🇳

Vietnam
Vietnamese dong
(coming soon)

🌍
Send money to Europe

🇦🇩

Andorra
Euro
+GBP

🇦🇹

Austria
Euro
+ USD, GBP

🇧🇪

Belgium
Euro
+ GBP, USD

🇧🇬

Bulgaria
Bulgarian lev
+ GBP, EUR, USD

🇭🇷

Croatia
Croatian kuna
+ USD, GBP

🇨🇾

Cyprus
Euro
+ GBP, USD

🇨🇿

Czech Republic
Czech koruna
+ GBP, EUR, USD

🇩🇰

Denmark
Danish krone

🇪🇪

Estonia
Euro
+ GBP, USD

🇫🇮

Finland
Euro
+ GBP, USD

🇫🇷

France
Euro
+ GBP, USD

🇩🇪

Germany
Euro
+ GBP, USD

🇬🇮

Gibraltar
Euro

🇬🇷

Greece
Euro
+ GBP, USD

🇭🇺

Hungary
Hungarian forint
+ GBP, EUR, USD

🇮🇪

Ireland
Euro
+ GBP, USD

🇮🇹

Italy
Euro
+ GBP, USD

🇱🇻

Latvia
Euro
+ GBP, USD

🇱🇮

Liechtenstein
Swiss franc

🇱🇹

Lithuania
Euro
+ GBP, USD

🇱🇺

Luxembourg
Euro
+ GBP, USD

🇲🇹

Malta
E
‍+ GBP, USD

🇲🇨

Monaco
Euro
+ USD

🇳🇱

Netherlands
Euro
+ GBP, USD

🇳🇴

Norway
Norwegian krone
+ USD

🇵🇱

Poland
Polish zloty
+ GBP, EUR, USD

🇵🇹

Portugal
Euro
+ GBP, USD

🇷🇴

Romania
Romanian leu
+ GBP, EUR, USD

🇸🇲

San Marino
Euro

🇸🇰

Slovakia
Euro
+ GBP, USD

🇸🇮

Slovenia
Euro
+ GBP, USD

🇪🇸

Spain
Euro
+ GBP, USD

🇸🇪

Sweden
Swedish krona
+ GBP, EUR, USD

🇨🇭

Switzerland
Swiss franc

🇺🇦

Ukraine
Ukrainian hryvnia (UAH)+ GBP, EUR, USD
NEW

🌏
Send money to Oceania

🇦🇺

Australia
Australian dollar
+ EUR

🇳🇿

New Zealand
New Zealand dollar
+ EUR

Earn up to £20/month when you shop

All you need to do is pay with your Pockit card at any of our high-street and online partners. You'll receive cashback straight into your Pockit in a few weeks time!

See how easy it is

1

Add money

Add money by a bank transfer or at one of 28,000 PayPoint stores near you.

2

Shop with your Pockit card

Pay with your Pockit card at one of our Partners online or in-store to earn Cashback.

✓ No need to add offers, it just works
✓ Use your card as many times as you want
✓ Works with promotions and special offers!

3

Earn money

No need to keep the receipts or do anything at all to claim Cashback — receive straight into your Pockit account within 60 days of your date of purchase.

Trusted by 900,000+ customers

James T. from Birmingham

"It’s great! Helped me get my credit score back on track."

Gareth A. from Oxford

"Pockit is a fantastic way for low credit score individuals to boost their rating. I would recommend it to everyone."

Nicole B. from London

"Great pre-paid card with contactless facility, saved my day on more than one occasion! Had this card a few years now and my credit rating is at its highest! Thank you Pockit, my trusty pal."

Order your Pockit card today!

900,000+ customersThe Card & Payments AwardsThe Spectator Economic Disruptor of the Year AwardAs seen on BBC

Shop online with peace of mind

Get instant notifications when your card is used, replace and lock your card in a couple of taps, login securely with Face ID and Touch ID

Face ID

Replace card

Touch ID

Lock card

Stay in control of your spending easily!

With Pockit, your money is always at your fingertips and your phone is your local branch — open 24/7.

Spend only what you've got

Check your balance in real time

Find your transactions in a few taps

Pockit Prepaid Mastercard®

Pockit card frontPockit card back

Card delivery

FREE (usually £9.99)

Just add £10+ to qualify. Get your card in 2 working days.

Other delivery methods are available.

Earn cashback on every day spend

Membership fee

£1.99 / month

Additional card

FREE (up to 3 per account)

£3.99 delivery fee is applicable. Other delivery methods are available.

Get cash out at ATM in the UK

£1.49

Withdraw up to £250 at a time

Get cash out at PayPoint store near you

£1.49

Withdraw up to £100 at a time

Get cash out at ATM abroad

£2.25 + 4% foreign exchange fee

Withdraw up to £250 at a time

Order a replacement card if it's lost or stolen

£3.99 (standard)

Other delivery methods are available.

Get a replacement card if it's expired

FREE

Add money quickly and easily

Add cash at PayPoint store near you

£1.99

Add up to £249 at a time OR up to £500 a day after you sent us your recent payslip or benefits letter.

Add money via a bank transfer to your account number

FREE

Add up to £3,000 at a time OR up to £5,000 at a time after you sent us your recent payslip or benefits letter.

Add money by a card payment

£1.99

Send money in the UK and abroad

Send money to another UK bank account

£0.99

Send up to £2,500 at a time OR up to £5,000 at a time after you sent us your recent payslip or benefits letter.

Send money abroad

£0.99 + 0.3%

Our partner — Wise — charges a small fee. The fee is calculated based on the amount of your transfer. The fee is shown to you during the transfer.

Send money to other Pockit accounts

FREE

Pay bills via Direct Debit

£0.99

Stay on top of your money 24/7

Pockit app

FREE

Web account

FREE

Instant spend notifications on your mobile

FREE

The Pockit app is required

24/7 fraud protection

FREE

Freeze/un-freeze your Pockit card

FREE

Frequently Asked Questions

1. How can I build my credit score?

Sign up for the Fast Track to Credit plan. All plan payments are shared with all three Credit Agencies from the UK, building your credit score over time.

Responsible use of credit products alongside timely payments of instalments will positively affect your credit score.

2. Where can I check my credit score?

Free services for checking your credit score include:

Other free and paid services are available.

3. Where are my Fast Track to Credit payments reported?

All your Fast Track to Credit subscription payments are reported to the three credit agencies from the UK: Experian, TransUnion and Equifax.

4. Can credit builder still help if I already have other loans?

Yes, it can still help build your credit score.

Multiple variables contribute to your credit score and missing payments on other loans may have a negative impact.

Best results can be obtained if you use credit products responsibly and boost your credit score by using a credit builder product.

5. Is an increase to my credit score guaranteed?

Multiple variables contribute to your credit score and missing payments on other loans may have a negative impact. Improvements to your credit score cannot be not guaranteed.

Best results can be obtained if you use credit products responsibly, make your payments on time and build your credit score by using a credit builder product.

The Fast Track to Credit plan provides you with a set of features and benefits alongside credit builder, and unsatisfactory credit score improvements do not qualify for a refund.

6. What happens if I am late with my subscription payment?

You can still pay the subscription within the grace period of 10 days after a missed payment. After the grace period ends and if the payment has not been processed, you will automatically  be downgraded to Pockit Everyday.

Your missed payment will not be reported to the Credit Reference Agencies, however your credit builder product will no longer be active.

7. What happens if I downgrade from my Fast Track to Credit plan?

You will no longer benefit from the credit building service if you downgrade from the Fast Track to Credit plan.

Order your Pockit card today!

900,000+ customersThe Card & Payments AwardsThe Spectator Economic Disruptor of the Year AwardAs seen on BBC

“I love Pockit! It’s brilliant, simple and answers my need.”

Susie, Pockit user