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Lender DetailsPockit Limited
Challenger Bank

Pockit Limited

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

Company typeChallenger Bank
Trading namesPockit
FCA Firm Ref (FRN)551245 (Authorised Representative of Steadypay Limited FRN 789333; e-money licence cancelled October 2022)
FCA statusAuthorised Representative (of Steadypay Limited)
Companies House no.07157877
Company statusActive
Parent companyNot verified
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Why someone might search for Pockit Limited

General query
Contact details
FCA status check
Complaint
Affordability concern

Before you contact Pockit Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?What is my current balance or account status?
  • ?What are my repayment or payment options?
  • ?How do I make a formal complaint?
  • ?Is there a payment support or hardship team I can speak to?
  • ?Where can I find free independent advice about my situation?

Contact details

PhoneNot verified
EmailNot verified
Registered addressSuite 19, 45 Salisbury Road, Cardiff, Wales, CF24 4AB
Customer contact addressNot verified (online/app-based service)

Always use contact details from Pockit Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number551245 (Authorised Representative of Steadypay Limited FRN 789333; e-money licence cancelled October 2022)
FCA statusAuthorised Representative (of Steadypay Limited). Note: Pockit Limited's own e-money institution authorisation was cancelled by the FCA in October 2022. Pockit now acts as an introducer/distributor. Prepaid cards issued by PSI-Pay Ltd (FRN 900011); accounts via Modulr FS Limited (FRN 900573).
Companies House number07157877
Company statusActive
Parent companyNot verified

Useful official links

What they do

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.

Reviews and public sentiment

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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Common questions about Pockit Limited

Is Pockit Limited FCA authorised?+
Check the FCA Register at register.fca.org.uk using the FCA Firm Reference Number (FRN) listed on this page. Always verify directly from official sources.
How do I contact Pockit Limited?+
Contact details are listed on this page where verified. Always use contact details from the company's official website or the FCA Register rather than details found in unexpected letters or texts.
How do I make a complaint to Pockit Limited?+
Start with the company's formal complaints process. If unresolved, the Financial Ombudsman Service (financial-ombudsman.org.uk) may be able to help, depending on the type of complaint.
What should I do if I cannot afford repayments?+
Contact the company as soon as possible. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Where can I get free help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Challenger Bank companies

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