Choose the plan that fits you

Discover the benefits of our plans, such as exclusive access to cashback, free transactions and more.

Fast track to credit

£

9.99

mo.

Build your credit score and get access to personal credit.

✅  FREE each month: ∞ bank transfer in, 1 bank transfer out, 2 Direct Debits, one day early pay

✅  Up to 15% cashback & discounts on top brands

✅  Extra 2.5% cashback on all other spending & Direct Debits

✅  Purchase insurance cover up to £1,000

✅  Credit Builder & Personal Credit in 3 months

Apply now
Plan details

Build your credit score risk-free

Included

Easily boost your credit score. Your Pockit plan payments will be reported to Experian, TransUnion and Equifax.

Get access to credit in 3 months

Included

Borrow up to £500 after 3 months on this plan. Repay in 3 instalments with a flat fee per instalment based on the borrowed amount. Terms apply

Protect your purchases

Included

Get automatic cover for eligible purchases of up to £1,000 against accidental damage and theft. Plus, ticket cancellation, 90-day refunds and extended warranty. Excess: £50.

Get up to 15% cashback & discounts on top high-street brands

Included

& many more!

The amount is indicative and subject to change.

Earn 2.5% cashback on all spending & Direct Debits

Included

Get extra cashback when you spend up to £100 with Pockit. Terms apply

Get paid one day earlier

Free

Receive your salary or benefits BACS payment one day earlier.

Income Advance

£3.99

Get a £50 cash advance from your salary or benefits. No hard credit checks. Eligibility criteria applies.

2 x Direct Debit payments every month

(worth £1.98)

Included

1 x UK bank transfer out every month

(worth £0.99)

Included
 

1 x Replacement card every year

(worth £4.99)

Included
 

Apple Pay & Google Pay

Included

Instant spend alerts

Included

24/7 fraud protection

Included

Up to 3 additional contactless Mastercard®

Included

+ postage cost

Save up to £264 on TV, mobile & broadband bills

Included

Bank transfer in

FREE

Debit card top-up

£1.99

Add cash at PayPoint

£1.99

UK transfers

£0.99

International transfers

£0.99+0.3%

Direct Debit

£0.99

Contactless prepaid Mastercard®

£4.99

FREE if you top up £70

Replacement card

£4.99

First one FREE each year

ATM cash withdrawal

£1.99

PayPoint cash withdrawal

£1.99

International ATM out

£2.25

Foreign exchange fee

4%

Apply now
HIGH VALUE

Extra

£

5.99

mo.

Best if you are a Pockit power user and want all extras.

✅  FREE each month: ∞ bank transfer in, 1 bank transfer out, 2 Direct Debits, one day early pay

✅  Up to 15% cashback & discounts on top brands

✅  Extra 1% cashback on all other spending & Direct Debits

❌  Purchase insurance cover up to £1,000

❌ Credit Builder & Personal Credit in 3 months

Apply now
Plan details

Build your credit score risk-free

Not included

Easily boost your credit score. Your Pockit plan payments will be reported to Experian, TransUnion and Equifax.

Get access to credit in 3 months

Not included

Borrow up to £500 after 3 months on this plan. Repay in 3 instalments with a flat fee per instalment based on the borrowed amount. Terms apply

Protect your purchases

Not included

Get automatic cover for eligible purchases of up to £1,000 against accidental damage and theft. Plus, ticket cancellation, 90-day refunds and extended warranty. Excess: £50.

Get up to 15% cashback & discounts on top high-street brands

Included

& many more!

The amount is indicative and subject to change.

Earn 1% cashback on all spending & Direct Debits

Included

Get extra cashback when you spend up to £250 with Pockit. Terms apply

Get paid one day earlier

Free

Receive your salary or benefits BACS payment one day earlier.

Income Advance

£3.99

Get a £50 cash advance from your salary or benefits. No hard credit checks. Eligibility criteria applies.

2 x Direct Debit payments every month

(worth £1.98)

Included

1 x UK bank transfer out every month

(worth £0.99)

Included
 

1 x Replacement card every year

(worth £4.99)

Included
 

Apple Pay & Google Pay

Included

Instant spend alerts

Included

24/7 fraud protection

Included

Up to 3 additional contactless Mastercard®

Included

+ postage cost

Save up to £264 on TV, mobile & broadband bills

Included

Bank transfer in

FREE

Debit card top-up

£1.99

Add cash at PayPoint

£1.99

UK transfers

£0.99

International transfers

£0.99+0.3%

Direct Debit

£0.99

Contactless prepaid Mastercard®

£4.99

FREE if you top up £70

Replacement card

£4.99

First one FREE each year

ATM cash withdrawal

£1.99

PayPoint cash withdrawal

£1.99

International ATM out

£2.25

Foreign exchange fee

4%

Apply now

Everyday

£

2.49

mo.

Best if you use Pockit often and love cashback.

✅  FREE each month: ∞ bank transfers in, lower transaction fees,  one day early pay

✅  Up to 15% cashback & discounts on top brands

❌  Extra 1% cashback on all other spending & Direct Debits

❌  Purchase insurance cover up to £1,000

❌ Credit Builder & Personal Credit in 3 months

Apply now
Plan details

Build your credit score risk-free

Not included

Easily boost your credit score. Your Pockit plan payments will be reported to Experian, TransUnion and Equifax.

Get access to credit in 3 months

Not included

Borrow up to £500 after 3 months on this plan. Repay in 3 instalments with a flat fee per instalment based on the borrowed amount. Terms apply

Protect your purchases

Not included

Get automatic cover for eligible purchases of up to £1,000 against accidental damage and theft. Plus, ticket cancellation, 90-day refunds and extended warranty. Excess: £50.

Get up to 15% cashback & discounts on top high-street brands

Included

& many more!

The amount is indicative and subject to change.

Earn 1% cashback on all spending & Direct Debits

Not included

Get extra cashback when you spend up to £250 with Pockit. Terms apply

Get paid one day earlier

Free

Receive your salary or benefits BACS payment one day earlier.

Income Advance

£3.99

Get a £50 cash advance from your salary or benefits. No hard credit checks. Eligibility criteria applies.

2 x Direct Debit payments every month

(worth £1.98)

Not included

1 x UK bank transfer out every month

(worth £0.99)

Not included

1 x Replacement card every year

(worth £4.99)

Not included

Apple Pay & Google Pay

Included

Instant spend alerts

Included

24/7 fraud protection

Included

Up to 3 additional contactless Mastercard®

Included

+ postage cost

Save up to £264 on TV, mobile & broadband bills

Included

Bank transfer in

FREE

Debit card top-up

£1.99

Add cash at PayPoint

£1.99

UK transfers

£0.99

International transfers

£0.99+0.3%

Direct Debit

£0.99

Contactless prepaid Mastercard®

£4.99

FREE if you top up £70

Replacement card

£4.99

ATM cash withdrawal

£1.99

PayPoint cash withdrawal

£1.99

International ATM out

£2.25

Foreign exchange fee

4%

Apply now
BASIC

Pay as you go

£

0

mo.

Ideal if you want a basic account for  occasional use.

✅  FREE each month: £0 subscription, paid bank transfer in

❌  Up to 15% cashback & discounts on top brands

❌  Extra 1% cashback on all other spending & Direct Debits

❌  Purchase insurance cover up to £1,000

❌ Credit Builder & Personal Credit in 3 months

Apply now
Plan details

Build your credit score risk-free

Not included

Easily boost your credit score. Your Pockit plan payments will be reported to Experian, TransUnion and Equifax.

Get access to credit in 3 months

Not included

Borrow up to £500 after 3 months on this plan. Repay in 3 instalments with a flat fee per instalment based on the borrowed amount. Terms apply

Protect your purchases

Not included

Get automatic cover for eligible purchases of up to £1,000 against accidental damage and theft. Plus, ticket cancellation, 90-day refunds and extended warranty. Excess: £50.

Get up to 15% cashback & discounts on top high-street brands

Not included

& many more!

The amount is indicative and subject to change.

Earn 1% cashback on all spending & Direct Debits

Not included

Get extra cashback when you spend up to £250 with Pockit. Terms apply

Get paid one day earlier

£1.49

Receive your salary or benefits BACS payment one day earlier.

Income Advance

£5.48

Get a £50 cash advance from your salary or benefits. No hard credit checks. Eligibility criteria applies.

2 x Direct Debit payments every month

(worth £1.98)

Not included

1 x UK bank transfer out every month

(worth £0.99)

Not included

1 x Replacement card every year

(worth £4.99)

Not included

Apple Pay & Google Pay

Included

Instant spend alerts

Included

24/7 fraud protection

Included

Up to 3 additional contactless Mastercard®

Included

+ postage cost

Save up to £264 on TV, mobile & broadband bills

Included

Bank transfer in

£1.49

Debit card top-up

£1.99

Add cash at PayPoint

£1.99

UK transfers

£1.49

International transfers

£1.49+0.3%

Direct Debit

£1.49

Contactless prepaid Mastercard®

£4.99

FREE if you top up £70

Replacement card

£4.99

ATM cash withdrawal

£1.99

PayPoint cash withdrawal

£1.99

International ATM out

£2.25

Foreign exchange fee

4%

Apply now

The full breakdown of the transactional fees can be found here.

Trusted by 900,000+ customers

James

"I find my pockit account really easy to use, love how easy it is to put money on and how you get regular updates on your account."

David

"Slick app and web interface make it really easy to keep track of transactions and spending."

Trudy

"I absolutely love my new account!! Thought it was a brilliant idea to get my pin through the app rather than wait for it to be delivered."

How to get a prepaid account

1

Apply online

Get your instant prepaid card & account.

2

Add money

Add money via a bank transfer, cash or debit card load.

3

Use Pockit everyday

Get money back on your everyday shopping. First 7 days are free, then £2.49/month.

Download Pockit app to get started

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