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Signup and add £10 and use this code QFZ73P43 to activate your reward before 28/02.
No Pockit subscription fee for 3 months. New customers only. T&Cs apply.
🎁 Your chance to win £1,000 🎁
Signup today, add £10 or more, shop with your Pockit card before the end of the month for a chance to win. T&Cs apply.
Introducing Apple Pay.
Your iPhone is now your Pockit prepaid Mastercard®
Learn more
Earn 1% cashback on your everyday spend

Sign up for a Pockit account before 1st of April, spend £500 on your Pockit card or Direct Debits to get £5 back.
New customers only; exclusions apply

Start building your credit score today

Powered by SteadyPay

  • Build your credit score with the major UK Credit Reference Agencies1
  • Get access to personal credit in 3 months1
  • No hard credit checks
Open account

Download Pockit app to get started

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Rated 4.1 ★  by 32,550+ reviews on App Store & Play Store

1 Improvements to your credit score are not guaranteed. Terms apply. Any major adverse credit history markers, including CCJs, IVAs or bankruptcy may limit the benefits of the Pockit Credit Builder and render this product inappropriate for you. Missed payments could negatively impact your credit score.

Experian TransUnionEquifax

Who is it for?

New to the UK

You just moved to the UK and want to start building your credit history to access credit

Low credit score

You want to improve your credit score and get better deals on credit score

No credit history

You want to build your credit history and start getting approved for credit products

Refused credit

You want to improve your chances when you next apply for a credit card or a loan

Get on the Fast Track to Credit

Open account

Rated 4.1 ★  by 32,550+ reviews on App Store & Play Store

Testamonials

Trusted by 1,000,000+ customers

"No issues since opening my account—super easy to use! Fast Track to Credit was approved after 3 payments of £9.99. I get my salary one day early, great customer service, and love the weekly prize draws. Fingers crossed, haha!"

Andrew A. from Bristol

Pockit customer since Feb 2023

"I have recently upgraded to the Fast Track to Credit plan. I had credit problems in the past and being able to access this has been very helpful. Pockit went above and beyond for me, thank you!"

David S. from London

Pockit customer since May 2022

"My credit score is already getting better. I can feel better opportunities coming my way."

Nadia C. from London

Pockit customer since September 2023

"My score is starting to increase, showing that I am capable of paying off my monthly debt."

George D. from Dorset

Pockit customer since January 2024

"My credit score has increased massively. Really good experience so far!"

Jane K. from Liverpool

Pockit customer since February 2024

"Great pre-paid card with contactless facility, saved my day on more than one occasion! Had this card a few years now and my credit rating is at its highest! Thank you Pockit, my trusty pal."

Nicole B. from London

Pockit customer since September 2018

"It’s great! Helped me get my credit score back on track."

James T. from Birmingham

Pockit customer since April 2020

"Pockit is a fantastic way for low credit score individuals to boost their rating. I would recommend it to everyone.

Gareth A. from Oxford

Pockit customer since February 2021

"Easy and hassle free banking app and good customer service. I highly recommend Pockit as a banking alternative to high street banks or as a second bank, PLUS NO CREDIT CHECKS!"

Damon C. from London

Pockit customer since January 2020

"The app is brilliant and easy to use. It has never let me down and I would 100% recommend to anyone who is wanting to build up their credit score!"

Saimah P. from Bath

Pockit customer since October 2021

How does it work?

Sign up with no credit checks

Sign up to activate your Credit Builder. The credit agencies need to see that you can make regular payments.

Make payments on time

Your Fast Track to Credit plan payments of £9.99 are reported each month to the main UK Credit Reference Agencies.1

Experian TransUnionEquifax

Build your credit score

Your credit score is built every month with the Pockit Fast Track to Credit plan. Sign up to start today.

Try Fast Track to Credit today

Open your Pockit account in 3 minutes, upgrade to Fast Track to Credit and start building your credit.

Open account

Rated 4.1 ★  by 32,550+ reviews on App Store & Play Store

Discover Fast Track to Credit

Personal Credit

  • Borrow up to £500 after 3 months at 0% interest
  • Repay easily in 3 monthly instalments, a flat fee applies
  • No hard credit checks
Open account

* Terms apply. Powered by SteadyPay. Credit Builder might not be right for you; check the FAQs before you proceed.
‍
Representative example: Personal Credit issued: £300. Interest charged: 0%. Subscription fee paid: £81. Repayment period for Personal Credit 90 days. 4 Personal Credit drawdowns per year. Total amount paid for all drawdowns: £1,524. Representative cost: 27%

Cashback Rewards

  • Get up to 8% cashback and discounts with selected high street brands
  • Get 2.5% back on all other spending & Direct Debits on the first £100 spent
  • Save up to £264 on mobile, TV & broadband bills
Open account

Get on the Fast Track to Credit

Open account

Rated 4.1 ★  by 32,550+ reviews on App Store & Play Store

FAQ

FAQs

Credit Builder
Personal Credit

1. How can I build my credit score?

2. Where can I check my credit score?

3. Where are my Fast Track to Credit payments reported?

4. Can credit builder still help if I already have other loans?

5. Is an increase to my credit score guaranteed?

6. What happens if I am late with my subscription payment?

7. What happens if I downgrade from my Fast Track to Credit plan?

1. When can I access my personal credit?

2. What is the amount I can borrow as personal credit?

3. Is personal credit really interest-free?

4. How do I repay the personal credit?

5. How can I increase the amount I can access as personal credit?

6. Can I access personal credit if I don't have a good credit score?

Try Fast Track to Credit today

Open your Pockit account in 3 minutes, upgrade to Fast Track to Credit and start building your credit.

Open account

Rated 4.1 ★  by 32,550+ reviews on App Store & Play Store

1. Credit scores can be influenced by various factors and improvements to your score are not guaranteed.

2. Personal credit can become available after 3 months on the Fast Track to Credit plan. Terms apply. Subject to affordability checks and no adverse credit.

3. Credit Builder, Personal Credit and Income Advance services are powered by SteadyPay.

4. Personal Credit - Representative example: Personal Credit issued: £300. Interest charged: 0%. Subscription fee paid: £81. Repayment period for Personal Credit 90 days. 4 Personal Credit drawdowns per year. Total amount paid for all drawdowns: £1,524. Representative cost: 27%

† Sign up in app or web. 18 years and older, subject to satisfactory residence and ID checks. Please note your card will not be dispatched until you have successfully verified your account. Delivery time depends on the delivery method you selected during signup and provided as a guidance only. Actual delivery times may vary and depend on Royal Mail.

Product images are for illustrative purposes only and may differ from the actual product.

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The Pockit Card is issued by PSI-Pay Ltd pursuant to a license by Mastercard® International Inc. Funds held within the Pockit account are issued by PSI-Pay Ltd, authorised and regulated by the Financial Conduct Authority of the United Kingdom under the Electronic Money Regulations 2011 (FRN 900011) for the issuing of electronic money.

Access to payments including FPS, BACS, CHAPS and Direct Debits and associated electronic money accounts are provided by Modulr FS Limited. Pockit Limited is a distributor of Modulr FS Limited, a company Modulr FS Limited, a company registered in England and Wales with company number 09897919, which is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900573)  for the issuance of electronic money and payment services.

Whilst Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS) funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011 – for more information please see UK Safeguarding Explanation.

Pockit Limited (FRN 551245) is an Authorised Representative of Jove Technology Limited (FRN 977188). Pockit Limited is permitted to assist with the administration of insurance products on behalf of Jove Technology Limited.

Pockit Limited (FRN 551245) is an Authorised Representative of Steadypay Limited (FRN 789333). Pockit Limited is permitted to assist with the administration of consumer credit products on behalf of Steadypay Limited.

UK Safeguarding Explanation
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