Pockit is a digital current account for Universal Credit

Pockit is an award winning prepaid Mastercard® and account.

Here's just a few reasons why 670,000+ of our members love Pockit:

1. Instant sort code and account number without credit checks.
2. Instant prepaid Mastercard®. Check your details in your Pockit app or web account and shop online with a peace of mind. Swap it with a contactless one in minutes.
3. Get paid a day earlier when you get your salary or benefits paid into Pockit.
4. Add or get cash out at one of our 27,000 'virtual branches' — open early ‘til late, 7 days a week (open times depend on the particular store). No more waiting for your branch to open!
5. Get the cash out at any ATM with a Mastercard® logo.
6. Send money in the UK and abroad quickly and easily. See more on sending money in the UK and abroad.
7. Pay bills via Direct Debit
8. Stay on top of your money 24/7 with the Pockit app. Its beautifully simple user interface puts everything you need to manage your money just a tap away.

Pockit's mission is to help everyone to benefit from full and fair access to the financial system.

You can get an account no matter your credit history, how long you've been living in the UK or whether you have a passport or a driving licence!

We accept more than 30 documents, which means most likely we've got you covered. Our team treats each case individually to make sure you get the attention you need.

You have to be over 18 years old to qualify for a Pockit account though.

Yes, you can!

To withdraw cash either:

1. visit any ATM with the Mastercard® logo (you'll need your contactless Pockit card)

2. visit one of 27,000 PayPoint stores near you (all you need is your Pockit app)

With Pockit you can check your balance, pay bills and manage your money from anywhere, on any computer, tablet or smartphone. But you can still get out cash at the Post Office and even pay in cash if they have PayPoint (most do!)

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We do a soft check to confirm your identity. This will show on your credit file but will not affect your credit rating.

We don't take into account your credit history though. In other words you can get a full UK account no matter your credit history.

Yes, your Pockit account supports Direct Debits!

You can add money to your Pockit account quickly and easily by:

1. Transferring money from a different bank account to your Pockit account number (up to £5,000 once you sent us your recent payslip or benefits letter)
2. Adding cash at one of 27,000 PayPoint stores near you (up to £250 at a time)
3. Adding money via your debit card (up to £50 at a time)

Yes, you can!

We'll need to see your UK residence card to open a Pockit account. It's super easy to upload via the Pockit app.

Don't have a residence permit yet? Fear not, we'll accept your passport or a national ID card as long as they clearly state your right to reside in the UK.

Yes, you can!

We accept more than 30 different documents, which are super easy to upload using the Pockit app.

Depending on the delivery method selected  it may take between 2 and 7 working days for your Pockit card to arrive.

Please note your card will not be dispatched until you have successfully verified your account.

Your Pockit card should work anywhere that accepts Mastercard®.

There are some exceptions though:

1. You won't be able to pay at a petrol pump. Instead, take your Pockit card straight to the cashier to pay for your petrol
2. Some airlines which do not accept prepaid card payments in-air so be sure to withdraw some cash if you need to spend money mid-air
3. Dating and Escort Services including advertising services
4. Quasi Cash Services
5. POI Funding Transactions
6. Massage Parlours

The simple answer is NO, you can't spend more than you have in your Pockit account. This is a great way to make sure you don't overspend!

With Universal Credit you will receive one monthly payment, rather than separate payments for you and anyone else in your household. To make this easier, Pockit lets you add up to three additional cards so that you can split your monthly UC payment between you.

Your Pockit account has a UK account number and sort code — simply enter these details when you register for Universal Credit or provide them to the DWP and your next UC payment will be made on the normal day to your Pockit account.

Under Universal Credit your housing benefit is paid to you as part of your monthly payment. To help make this easier to manage, Pockit lets you add up to 3 additional cards so you can easily separate your monthly payment into different 'pots'.