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Signup and add £10 and use this code QFZ73P43 to activate your reward before 28/02.
No Pockit subscription fee for 3 months. New customers only. T&Cs apply.
🎁 Your chance to win £1,000 🎁
Signup today, add £10 or more, shop with your Pockit card before the end of the month for a chance to win. T&Cs apply.
Introducing Apple Pay.
Your iPhone is now your Pockit prepaid Mastercard®
Learn more
Earn 1% cashback on your everyday spend

Sign up for a Pockit account before 1st of April, spend £500 on your Pockit card or Direct Debits to get £5 back.
New customers only; exclusions apply

Start building your credit score today

Powered by SteadyPay

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

Download Pockit app to get started

Download Pockit app

Rated 4.1 ★  by 30,082+ reviews on App Store & Play Store

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

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

Experian
TransUnionEquifax

Who is it for?

New to the UK

You just moved to the UK and want to start building your credit history to access credit

Low credit score

You want to improve your credit score and get better deals on credit score

No credit history

You want to build your credit history and start getting approved for credit products

Refused credit

You want to improve your chances when you next apply for a credit card or a loan

Get on the Fast Track to Credit

Open account

Rated 4.1 ★  by 30,082+ reviews on App Store & Play Store

Testamonials

Trusted by 900,000+ customers

"I have recently upgraded to the Fast Track to Credit plan. I had credit problems in the past and being able to access this has been very helpful. Pockit went above and beyond for me, thank you!"

David S. from London

Pockit customer since May 2022

"My credit score is already getting better. I can feel better opportunities coming my way."

Nadia C. from London

Pockit customer since September 2023

"My score is starting to increase, showing that I am capable of paying off my monthly debt."

George D. from Dorset

Pockit customer since January 2024

"My credit score has increased massively. Really good experience so far!"

Jane K. from Liverpool

Pockit customer since February 2024

"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."

Nicole B. from London

Pockit customer since September 2018

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

James T. from Birmingham

Pockit customer since April 2020

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

Gareth A. from Oxford

Pockit customer since February 2021

"Easy and hassle free banking app and good customer service. I highly recommend Pockit as a banking alternative to high street banks or as a second bank, PLUS NO CREDIT CHECKS!"

Damon C. from London

Pockit customer since January 2020

"The app is brilliant and easy to use. It has never let me down and I would 100% recommend to anyone who is wanting to build up their credit score!"

Saimah P. from Bath

Pockit customer since October 2021

How does it work?

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.

Make payments on time

Your Fast Track to Credit plan payments of £9.99 are reported each month to the main UK Credit Reference Agencies.1

Experian
TransUnionEquifax

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.

Try the faster track to credit today

Open your Pockit account in 3 minutes, upgrade to Fast Track to Credit and start building your credit.

Open account

Rated 4.1 ★  by 30,082+ reviews on App Store & Play Store

Discover Fast Track to Credit

Personal Credit

  • Borrow up to £500 after 3 months at 0% interest
  • Repay easily in 3 monthly instalments, small flat fee applies
  • No hard credit checks
Open account

* Terms apply. Powered by SteadyPay.

Purchase Protection

  • Protect your eligible purchases of up to £1,000 in case of damage, theft or returns
  • Refund up to £1,500 of unused tickets for eligible reasons
  • Extend warranty by 12 months for brown goods

* Terms apply. Powered by Jove, Underwritten by Wakam

Cashback Rewards

  • Get up to 15% cashback and discounts with selected high street brands
  • Get 2.5% back on all other spending & Direct Debits on the first £100 spent
  • Save up to £264 on mobile, TV & broadband bills
Pockit benefits

Start building your credit score today

Download Pockit app to get started

Download Pockit app
✓ New to the UK
✓ No credit checks
✓ No minimum balance required

Get on the Fast Track to Credit

Open account

Rated 4.1 ★  by 30,082+ reviews on App Store & Play Store

FAQ

FAQs

Try the faster track to credit today

Open your Pockit account in 3 minutes, upgrade to Fast Track to Credit and start building your credit.

Open account

Rated 4.1 ★  by 30,082+ reviews on App Store & Play Store