Pockit Prepaid Card Review
ATM and Cash
Topups
Overall
Pockit is a UK e-money account with a contactless prepaid Mastercard, app controls, PayPoint cash services and optional paid memberships. Everyday card purchases in GBP are free from Pockit’s side, but ATM withdrawals, PayPoint cash services and transfers outside included allowances have set fees. Foreign use carries a 4% exchange rate fee from Pockit plus set ATM charges. Funds are safeguarded, not FSCS protected.
Fees and FX
ATM and Cash
Topups
Overall
Initial Viewpoint
Best for people who want a simple UK prepaid account with cash top ups at shops, basic app features and optional plan perks like cashback and Credit Builder. Not ideal for frequent overseas spending because Pockit adds a 4% FX fee and a set fee for international ATM withdrawals.
Highlights
- UK prepaid account and contactless Mastercard with no credit checks
- PayPoint cash loads and over the counter cash outs with barcodes in the app
- Optional paid plans with cashback, purchase protection and Credit Builder
Cautions
- 4% FX fee on card use abroad plus international ATM fee
- PayPoint cash services and UK ATMs have set fees
- E-money safeguarding applies rather than FSCS
Overview
What it is
A UK e-money account and app with a prepaid Mastercard for in-store, online and ATM use. You can add cash at PayPoint, add money by UK debit card and send money to UK banks or abroad via Wise.
Who it's for
Customers who want fast sign-up without hard credit checks, easy cash loading at shops and a straightforward fee table for ATMs, PayPoint and transfers.
Key Facts
Issuer and scheme:
Pockit provides a prepaid Mastercard and e-money account. Cards are prepaid, not credit.
Plans:
Pay as you go option with no monthly fee is advertised on Pockit landing pages. Paid plans include Extra at £6.99 per month and Fast Track to Credit at £9.99 per month with additional perks.
UK ATM fee:
£1.99 per withdrawal. PayPoint cash withdrawal option exists with its own fee. International ATM fee: £2.25 per withdrawal.
FX on card abroad:
4% of the transaction amount.
Transfers and Direct Debits:
One UK bank transfer out and two Direct Debits are included monthly in paid plans; after that £0.99 each. Standard pricing shows £0.99 per UK transfer and per Direct Debit outside allowances.
Debit card add-money fee:
£1.99 per card payment top up on Pockit promo pages.
PayPoint cash load fee:
£1.99 per load taken at the till.
Safeguarding vs FSCS:
Funds are safeguarded and not covered by FSCS.
Pricing & Fees
Fee Type
Amount
Notes
Monthly plan
Pay as you go £0.00, Extra £6.99, Fast Track to Credit £9.99
Landing pages show a PAYG option; plan pages show Extras and Credit Builder tiers.
Purchases in GBP
£0
Issuer side fee for UK card purchases.
UK ATM withdrawal
£1.99
Per withdrawal.
International ATM withdrawal
£2.25
Per withdrawal.
FX on overseas card payments
4% of amount
Pockit exchange rate fee.
PayPoint cash load
£1.99
Deducted at the till.
PayPoint cash withdrawal
£1.49
Barcode cash out.
Add money by debit card
£1.99
Per card payment top up.
UK bank transfer out
£0.99 outside allowance
One included on paid plans, then £0.99.
Direct Debit
£0.99 outside allowance
Two included on paid plans, then £0.99.
International transfer
£0.99 + 0.3%
Plus Wise fee component shown in flow.
FX & ATM Details
FX conversion
Pockit applies a 4% exchange rate fee to foreign currency card transactions. This is separate from any merchant dynamic currency conversion. Choose to pay in the local currency to avoid DCC.
ATM usage
Cash withdrawals at UK ATMs cost £1.99. Abroad the ATM fee is £2.25 per withdrawal. You can also withdraw cash at PayPoint using an in-app barcode for £1.49. ATM operators may add their own surcharge.
Topups & Payments
Method
Fee or Limit
Notes
PayPoint cash load
£1.99 per load
Typical single load cap £249 and monthly caps vary by account tier.
Add money by debit card
£1.99 per top up
Add up to £100 per top up as shown on product page.
Bank transfer in
Free from Pockit side
Standard FPS from your bank.
UK transfer out
£0.99 outside allowance
Plan allowances apply.
International transfer
£0.99 + 0.3%
Via Wise integration.
Applying for the Pockit Prepaid Card
Application is online via the Pockit app or website; simple ID and address verification; no hard credit check. Once approved you get access to digital card details immediately and physical card shortly after.
Limits & KYC
Topic
Detail
Account tiers
Full and Enhanced Limit account types have different PayPoint and monthly limits.
PayPoint cash limits
Typical single cash load up to £249; cash withdrawal at PayPoint up to £100 per transaction depending on tier.
Verification
Higher limits require enhanced verification. See in-app prompts and limits page.
App & Features
Feature
Detail
Card controls and security
Freeze and unfreeze card, instant spend notifications, 24 by 7 fraud monitoring.
Cash services
Generate barcodes for PayPoint deposits and cash withdrawals in the UK.
Transfers
Send to UK banks and abroad. Wise powers international transfers in app.
Membership perks
Cashback, purchase insurance and Credit Builder available on paid plans.
Who It's For
Best for
People who want a simple UK prepaid card with barcode cash services at PayPoint, app controls and the option to add membership perks later.
Not ideal for
Travellers who want low FX abroad or fee free international ATM use. Pockit adds a 4% FX fee and a £2.25 international ATM fee. Heavy domestic cash users should also note the £1.99 UK ATM fee and PayPoint charges.
Pros & Cons
Pros
-
Easy cash loading and cash out via PayPoint barcodes
-
UK transfers and Direct Debits supported with simple per item fees outside allowances
-
Optional plans with cashback and Credit Builder
Cons
-
4% FX fee on foreign card transactions
-
ATM fees in the UK and abroad
-
PayPoint loads and cash outs have fees
Awards and Recognition
Pockit has gained recognition in fintech and inclusion space, its “bank alternative” model has been cited as helping financially underserved customers. For example: its 2020 card redesign was described as “award-winning” in industry media.
Awards and Recognition
Pockit has gained recognition in fintech and inclusion space, its “bank alternative” model has been cited as helping financially underserved customers. For example: its 2020 card redesign was described as “award-winning” in industry media.
How It Compares
At a glance: Pockit focuses on UK cash convenience and plan perks. Multi-currency travel cards often prioritise low FX and free overseas ATM caps, while UK bank debit cards may offer cheaper FX but lack PayPoint cash features.
Feature
Pockit
Multi-currency travel card
UK bank debit card
Annual or monthly fee
PAYG £0, or £6.99 to £9.99 for perks
Often tiered plans
Usually £0
Card purchases
ATM fee
£1.99
Often free with caps
Varies by bank
FX fee
£2.25
Often free with caps
Varies by bank
Alternatives to Consider
Wise multi-currency card
Hold many currencies with competitive FX and global acceptance. Check ATM caps.
Revolut travel card
Multi-currency wallets with plan tiers and smart app controls. Review weekend FX markups and fair use.
Starling Bank debit card
UK current account with simple FX, strong travel acceptance. Check ATM and replacement policies.
Ratings
Category
Score 1 to 5
Weight
Notes
Fees and FX
4% FX fee, £1.99 UK ATM, £2.25 international ATM, PayPoint fees on cash services.
ATM and cash
UK ATM and PayPoint access are convenient but not free.
Topups
Cash loads at shops and debit card top ups supported, both with set fees.
Features and app
Freeze card, notifications, Wise transfers, membership perks.
Support and trust
Safeguarded e-money. FSCS does not apply.
Compliance & Methodology
Regulatory
Pockit provides a prepaid Mastercard and e-money account. Funds are safeguarded and not FSCS insured. Terms and help centre set out card nature, fees and protections.
Data sources
Pockit product pages, PayPoint and debit load help, fee and FX articles, plan pages and UK transfer pricing. Verified on 17 Oct 2025.
Editorial policy
Independent, fact‑checked comparison. Click here for editorial guidelines.
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