Also known as: Pockit
Pockit Limited provides a prepaid card and basic payment account service aimed at people who cannot access a standard bank account. This includes people who have been declined for a bank account due to poor credit history, those who are new to the country, or those who have experienced bankruptcy or other financial difficulties.
The Pockit account provides a Mastercard prepaid card that can be used for everyday purchases in shops and online, as well as for receiving payments. It is not a full bank account — it does not offer an overdraft or credit facility. Money is loaded onto the card and you can only spend what is on it.
Pockit charges fees for some services, including monthly account fees and charges for ATM withdrawals. These vary and are detailed on their website. It is worth comparing Pockit with other basic bank accounts, as some mainstream banks offer fee-free basic accounts to people who do not qualify for a standard account.
If you have a Pockit account and need to contact them, details are available on their website at pockit.com. Pockit Limited is authorised and regulated by the Financial Conduct Authority as an electronic money institution.
For free financial guidance on accessing banking services, MoneyHelper at moneyhelper.org.uk provides information about basic bank accounts.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Pockit Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Prepaid Mastercard, basic payment account (no credit check), Direct Debits, BACS/FPS payments, credit builder product. Targeted at customers without access to mainstream banking.
Trading names and group notes
Regulatory change in 2022 means Pockit is no longer itself an authorised e-money institution. Steadypay Limited (CH 10713752) at 128 City Road, London, EC1V 2NX is the principal firm.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.3
Approx. 23,000 (as of mid-2026) reviews
Other review sources
Approx. 2,700 reviews on PissedConsumer (negative skew)
Overall public sentiment
Mixed sentiment. Positives: user-friendly app, easy sign-up, no credit check, useful for travel. Negatives: complaints about withdrawal/transfer fees, freezing of accounts and poor customer service resolution on PissedConsumer.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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