Pockit is a digital current account for Universal Credit

Pockit is an award winning digital account.

Opening an account is quick and easy. The whole process takes minutes not weeks and can be done straight from the Pockit app or online.

You'll get an account no matter your credit history. Plus we accept more than 30 different documents, which are super easy to upload using the Pockit app. You receive your contactless prepaid Mastercard® in 2 working days (depending on the delivery method selected).

Here's just a few reasons why hundreds of thousands of our members love Pockit:

1. Getting your wages and benefits paid in is easy — every Pockit account comes with its own UK sort code and account number.
2. Adding cash is quick and easy at one of our 28,000 '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!
3. Spreading the payments out over the year and saving on your energy and phone bills is super easy when using Pockit Direct Debit.
4. Sending money in the UK and abroad is cheap and easy and can be done straight from the Pockit app or your web account.

And here's what truly sets us apart:

1. Pockit helps you to 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.
2. Pockit LOQBOX makes building your credit history easier than you think!
3. Money finds you when you use Pockit to shop, pay bills, build credit via Pockit LOQBOX and send money abroad.

Please note: Pockit is a prepaid account, not a bank. Prepaid accounts are not covered by the Financial Services Compensation Scheme (FSCS).

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 visit any ATM with the Mastercard logo.

With Pockit you can check your balance, pay bills and manage your money from anywhere, on any comptuer, 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 £3,000 a day)
2. Adding cash at one of 28,000 PayPoint stores near you (up to £250 at a time)
3. Adding money using your debit card (up to £100 initial load only).

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 you selected during signup 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'.