Pockit offers a prepaid card and account. It’s a quick, easy, and feature-packed solution that you can apply for even with low or no credit… But here are seven deadly serious reasons why it might not be for you!

1. You don’t have three minutes to spare

If you’re incredibly pressed for time, then you might not like the fact that Pockit takes a full three minutes to set up online. Honestly, who has that kind of time? If you’re committed to taking things slow, Pockit probably isn’t the card for you.

2. You hate yellow

We think Pockit’s cheerful yellow card is a lovely ray of sunshine in your… pocket. However, if yellow fills you with inexplicable rage or you like more boring, muted tones in your money-managing app, you’ll probably want to look elsewhere. 

3. Real-time payment updates make you sad

Do you miss the days when you found out funds were running low by your card getting declined at the checkout? We think that easily managing your money from the palm of your hand is a blessing, but if it sounds like a curse, look elsewhere. Pockit’s handy app with real-time payment updates won't let you live in blissful ignorance. 

4. You enjoy waiting for payday

Mmmmm… Payday. We love it. We hate waiting for it. Pockit offers a nifty feature that lets you get an advance on your salary or benefits a day early for free. We think it’s a nice bonus, but if you can’t resist spending whatever’s in your account, maybe it’s not the best idea.

5. You exclusively shop at Tesco (but why?)

A moment of silence for the die-hard Tesco fans out there. Pockit offers up to 15% cashback at a variety of shops including Sainsbury’s, Primark. Argos, and Footlocker…. But not Tesco. 

6. Winning isn’t your thing

While sweepstakes might sound great to some, if you’re used to never winning anything, don’t choose Pockit. Pockit runs regular sweepstakes including a weekly chance to bag £250 when you shop with our card. But hey, if you don’t want to risk disappointment, maybe stick to less exciting banking options.

7. You want to keep your Mum as a guarantor

Pockit allows you to build credit by making small payments each month. This can help if you want to rent a flat, get a car, or take out a loan, but if you want to keep relying on Mum, Dad or whoever else, there’s no need to bother! 

In all seriousness… 

Pockit is a super accessible prepaid Mastercard® with an account that allows you to manage your money, spend in-store and online, build credit, and enjoy fantastic benefits and rewards. Take a look at our plans to learn more.

FAQs

How do prepaid cards work?

Prepaid cards work just like a debit card, but you simply load money onto the card before use and you don’t need to pass a credit check to get one! They’re perfect for managing money as you can’t overspend and solutions such as Pockit still come with the features of a normal card such as an app. 

How do I load money onto a prepaid card?

You can easily top up money with Pockit’s prepaid cards by bank transfer, salary payment, debit card, or cash loads at PayPoint stores. 

Are there fees associated with prepaid cards?

Yes, some prepaid cards have small fees for things like ATM withdrawals or transferring money. It’s worth looking into the fee structure of each prepaid card provider as these vary from company to company.