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Pockit Prepaid Card Fees - Currencies Available - Mobile App

Application Fees
Transaction Fees
Monthly Fees
ATM Charges
Topup Fees
Pockit Pay Monthly Card
Application Fee: Free
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-uk-atm-fee, no-uk-pos
Monthly Fee: £3.00
ATM Charges: £1.00 up to £2.25
Top Up Fee: Free - 3%
Pockit Payg Card
Application Fee: £0.99
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-uk-pos, uk-atm-fee
Monthly Fee: Free
ATM Charges: £1.00 in UK - £2.25 abroad
Top Up Fee: Free - 3.5%

Pockit pay as you go or pay monthly prepaid card is MasterCard branded where the Pockit Prepaid MasterCard. Hence, No Credit checks, no bank account.

How does Pockit Card Work?
Prepaid Cards are self-explanatory. It is a credit card that you pay before you use it (pre-paid). In other words, you will deposit or (pre-pay) a specified amount of money, sometimes called a "security deposit," on the bank of the card issuer, in most cases between $200 and $500.00, and your credit limit is equal to the amount of your security deposit.

What's the Difference?
With traditional credit cards, you apply for credit, and you are approved or denied based on your credit. If approved, you have issued a credit card with a specified line of credit. If you have damaged credit or if you have no credit, you may be denied by traditional banks. Pockit Prepaid Card eliminates the strict credit rating requirements and, in some cases, they don't even do a credit check or employment verification. Since the security deposit secures your line of credit, they are covered in case you default on the payments. This is a way for people to rebuild their credit or establish credit for the first time.

Who Eligible for Pockit?
Because your deposit secures these cards, anyone is eligible. There may be age restrictions (18 or 21) and citizen above 18 years, but these instant credit approval cards have a high approval rate because the restrictions are minimal.

Pockit Prepaid Card

Where Can I use Pockit?
Pockit Prepaid Card used just like traditional credit cards, anywhere where VISA and MasterCard accepted. You can use them online and offline. You can pay bills online and over the phone, and withdraw cash from ATMs.

What Are the Advantages of a Pockit card?
You can rebuild or build your credit rating. Eliminate the need for writing checks, money orders and going to the post office. Avoid late payments. You can have a credit card just for your family and friends. Have your paycheck deposited directly onto your card.

What Are the Disadvantages of Pockit?
Interest rates are often higher. You may have to pay a monthly "maintenance" fee. You may not be able to rent a car (some car rental agencies do not accept pre-paid credit cards).You have to put down a security deposit before you can use the card. Over the limit and late fees are usually higher.

Whether you are rebuilding your credit or establishing credit, it is important that you make your payments on time and that you do not go over your credit limit. With late payment fees in the $30.00 plus range, it will quickly add up.

Consequently, Pockit Prepaid debit cards developed to help you control your spending habits as well as develop responsible spending. It is easy to say, "I'll pay it next month," and get caught up in the late payment cycle and before you know it, you are 2 to 3 months behind. Also, the fees continue to add up. One way to prevent this is to know ahead of time when your payment is due and try to pay it in advance.  By making timely payments consistently, most companies will increase your credit limit and return your deposit with interest.