What is the official website of the payment service?
The official website of Pockit is https://www.pockit.com
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Where can I find the customer support contacts?
Customer support contacts are located on the Pockit website and help center, as well as within the Pockit app's live chat feature.
What is the hotline phone number?
The main customer service phone number is +44 203 322 9170
Is there a toll-free support number?
There is no verified information indicating the availability of a toll-free support number for Pockit.
What is the email address for technical support?
The general support email address is [email protected]
Are there separate emails for different types of inquiries?
Yes, there are specialized emails such as [email protected] for partnerships, [email protected] for privacy inquiries, and [email protected] for media questions.
Where can I find the online chat support?
Online chat support is available within the Pockit app and web account, accessible after logging in, typically via a "Live Chat" button.
Does the chat support work 24/7?
The chat support operates Monday to Friday from 9:00 am to 5:00 pm UK time and is not available on weekends or bank holidays.
Is there support through messengers (Telegram, WhatsApp)?
There is no verified information about support availability through Telegram or WhatsApp.
What are the support working hours?
Customer support via email is available 9:00 am to 5:00 pm Monday through Sunday; live chat support is 9:00 am to 5:00 pm Monday to Friday.
Does support work on weekends and holidays?
Email support works on weekends and holidays, but live chat and phone support do not.
Are there regional offices for in-person visits?
There are no widely publicized regional offices for customer visits; primary office is at headquarters.
Where are the physical offices located?
The registered office is Suite 19, 45 Salisbury Road, Cardiff, Wales CF24 4AB, United Kingdom.
Can I schedule a personal meeting?
There is no verified information on personal meeting scheduling; typically, Pockit operates digitally with no public walk-in services.
Are there representatives in different countries?
The company primarily targets UK residents; no verified details on international representatives.
In which languages is support available?
Support is primarily provided in English.
How quickly does support respond to requests?
Average email support response time is 2-3 business days; live chat responses are typically within minutes during operating hours.
Is there a priority system for VIP clients?
There is no publicly available information about a VIP priority support system.
Can I request a callback?
There is no confirmed callback service available.
When was the payment service founded?
Pockit was founded in 2014.
Who is the founder and owner of the service?
Pockit was founded by Virraj Jatania.
In which country is the company registered?
The company is registered in the United Kingdom.
What is the development history of the payment service?
Founded in 2014 to serve underserved customers with prepaid cards and digital accounts; introduced credit score building in 2018; experienced operational disruptions due to Wirecard FCA suspension in 2020; acquired Monese in 2024 expanding customer base.
Have there been major updates or rebranding?
Major updates include the addition of credit score building, and acquisition of Monese in 2024; no full rebranding known.
Who sits on the company's board of directors?
Specific board information is not broadly published but includes key executives such as CEO and managing director referenced in public interviews.
Are there investors or partners in the service?
Pockit has investors and partners, including those involved in the 2024 funding round with strategic investments for expansion.
Does the company participate in stock trading?
Pockit is a private limited company and is not publicly traded.
What is the company's market capitalization?
Market capitalization data is not publicly available due to private ownership.
Are there subsidiary companies or branches?
Pockit operates as a standalone company but has integrated Monese as part of its group.
What licenses does the payment service have?
Pockit is authorized as an electronic money institution regulated by the UK Financial Conduct Authority (FCA); works with PSI-Pay Ltd and Modulr FS Ltd for card issuing and payment processing after FCA license cancellation in 2022.
In which jurisdictions does the service operate officially?
Pockit operates primarily in the United Kingdom.
Are there licenses for cryptocurrency operations?
There is no verified information on cryptocurrency-specific licenses held by Pockit.
Does the service comply with AML/KYC requirements?
Yes, Pockit complies with AML (Anti-Money Laundering) and KYC (Know Your Customer) regulations as required by FCA rules.
Are there security certificates (PCI DSS, etc.)?
Pockit complies with necessary industry security standards including PCI DSS as per typical prepaid card schemes, though explicit certificate disclosures are limited.
Has the service undergone security audits?
Pockit likely undergoes regular security audits as part of FCA regulation and card scheme compliance, but no detailed public audit reports are available.
Is there insurance for client funds?
Client funds are safeguarded as electronic money, but Pockit is not a bank and does not offer FSCS deposit protection.
Which international standards does it comply with?
Compliance with UK regulatory standards including FCA guidance, PCI DSS for payment card security, and data protection laws such as GDPR.
Have there been any regulatory fines or violations?
In 2022, FCA cancelled Pockit’s electronic money license, but Pockit continued operations through regulated partners; no public record of fines.
Where can I find real reviews about the service?
Real user reviews are available on Trustpilot, Smart Money People, PissedConsumer, and app stores.
What are the main user complaints?
Common complaints include account access issues, frozen funds, poor customer service responsiveness, and delays in document verification.
What do users most often praise the service for?
Users praise the ease of top-up, instant access to card details, and features like early pay and cashback rewards.
Are there issues with fund withdrawals?
Some users report difficulties and delays in withdrawing funds, including disputed ATM withdrawals and account freezes.
Is the interface convenient according to users?
The mobile app and web interfaces are generally seen as easy to use but some users report technical glitches.
Are clients satisfied with transaction speed?
Transaction speeds are mostly considered adequate with instant payments available.
Do users recommend this service?
Only about 12% of users are likely to recommend Pockit to others.
How do experts assess the service's reliability?
Experts note Pockit as a useful financial tool for underserved clients but caution about risks related to account freezes and customer service.
Are there industry awards and recognitions?
Pockit won The Spectator Economic Disrupter of the Year award in 2018.
Does the service participate in payment system rankings?
No public evidence of frequent participation in major payment system rankings.
Are there recommendations from financial regulators?
Regulators enforce compliance; FCA granted and later cancelled license but no public regulatory recommendations.
What reputation does the service have among partners?
Partners view Pockit as an innovative fintech focused on financial inclusion; positive strategic acquisition partner in Monese integration.
How do they evaluate solution innovation?
Pockit is recognized for innovative features targeting underserved market segments.
Are there quality service certificates?
No specific quality certificates publicly disclosed beyond regulatory authorizations.
Does the company participate in industry conferences?
No specific public disclosures about conference participation.
How does the service position itself in the market?
Pockit positions as a digital banking alternative focused on financial inclusion of underserved and low-income customers in the UK.
Which fiat currencies does the service support?
Pockit accounts and cards support GBP only.
Are cryptocurrencies supported? Which ones specifically?
Pockit does not support cryptocurrency transactions directly.
Is there a proprietary cryptocurrency or token?
Pockit does not have a native cryptocurrency or token.
Can currencies be converted within the service?
Currency conversion features are not supported as Pockit operates only in GBP.
What exchange rates are used for conversion?
Not applicable.
How often are exchange rates updated?
Not applicable.
Are stablecoins supported?
No stablecoin support is available.
Can exotic currencies be handled?
No support for exotic currencies.
Are there currency restrictions in different countries?
The service is UK-focused and only supports GBP transactions.
What types of transfers does the service support?
Transfers include UK domestic payments, including Faster Payments, BACS, CHAPS, Direct Debits, and card payments.
Can transfers be made between service users?
Yes, peer-to-peer transfers within Pockit users are supported.
Are transfers to bank cards supported?
Yes, transfers to UK bank cards are supported.
Can money be transferred to bank accounts?
Yes, money transfers to UK bank accounts are supported.
Is bill payment available?
Yes, bill payment functionality is available.
Are recurring payments supported?
Yes, recurring payments and Direct Debit setups are supported.
Can automatic transfers be set up?
Automatic transfers can be scheduled via Direct Debits and other payment setups.
Is payment scheduling available?
Payment scheduling features are available.
Are group payments supported?
There is no publicly confirmed information about group payment or splitting features.
Can payment links be created?
No verified information on payment link capabilities.
What are the minimum transaction amounts in the service?
Specific minimum transaction amounts are not publicly detailed but typically low for prepaid services.
What are the maximum amounts that can be transferred?
Transfer limits vary and are subject to account verification and regulatory limits.
Are there daily limits on operations?
Yes, daily transaction limits apply depending on verification level.
What monthly and annual limits are in effect?
Monthly and annual limits apply; these depend on KYC/AML verification tiers.
Can limits be increased? How?
Limits can be increased through enhanced identity verification.
Do limits differ for verified users?
Yes, verified users have higher transaction limits compared to unverified users.
Are there restrictions for new accounts?
New accounts have more restrictive limits until verified.
Do special limits apply in different countries?
The service primarily operates in the UK; geographical limit variations are not applicable.
Can operations be temporarily blocked?
Yes, operations can be blocked due to fraud alerts, compliance reviews, or suspicious activity.
Are there limits on the number of daily operations?
There can be limits on transaction counts for security and compliance.
What are the minimum amounts for account funding?
Minimum funding amounts vary depending on the method used.
What methods of funding are supported?
Funding methods include bank transfer, debit card top-ups, and cash top-ups at PayPoint locations.
Are there fees for funding?
Some fees may apply depending on the top-up method and plan.
What are the minimum funding amounts?
Minimum funding thresholds depend on the payment method but generally low for debit card and bank transfers.
How quickly are funds credited when funding?
Funds via debit card or bank transfer credit quickly, often instant or same day.
How can money be withdrawn from the system?
Withdrawals can be made via ATM cash withdrawals and bank transfers.
Are there fees for fund withdrawal?
Withdrawal fees apply depending on the plan and withdrawal method; fees vary.
How long does withdrawal take?
ATM withdrawals are immediate; bank transfers may take 1-3 business days.
What withdrawal limits are set?
Withdrawal limits are set per transaction and daily maximums, varying by verification levels.
How quickly are funds credited when funding with a card?
Card funding is usually instant or near instant.
How long does a bank transfer take?
Bank transfers typically take 1-3 business days.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
Peer-to-peer transfers within Pockit are generally instant.
Are there delays when funding on weekends?
Bank transfer funding can be delayed on weekends and bank holidays.
Do holidays affect funding speed?
Holidays may delay processing times for bank transfers.
Can crediting be accelerated for a fee?
There is no confirmed express funding fee service.
What determines the speed of funding processing?
Speed depends on the payment method and banking processing times.
Are there notifications about funding status?
Pockit provides notifications for funding and transactions via app alerts and emails.
What to do if funding takes too long?
Contact customer support to inquire about delayed funding.
How quickly are withdrawal requests processed?
Withdrawal requests are generally processed within 1 business day.
How long does card withdrawal take?
ATM card withdrawals are immediate.
How quickly do bank transfers arrive?
Bank transfers take 1-3 business days normally.
Are cryptocurrency withdrawals instant?
Not applicable.
Are there withdrawal delays on weekends?
Bank transfer withdrawals may be delayed on weekends.
Do holidays affect withdrawal speed?
Holidays affect bank transfer withdrawal timings.
Can withdrawal be accelerated for an additional fee?
No public info on expedited withdrawal services.
What determines withdrawal processing time?
Processing time depends on banking systems and compliance checks.
Are there notifications about withdrawal status?
Users are notified of withdrawal statuses via app and email.
Can a withdrawal request be canceled?
Withdrawal cancellation is typically restricted once processing begins; policies vary.
How to register with the payment service?
Registration is completed via the Pockit app or website by submitting personal details and verifying identity.
What data is needed to create an account?
Required information includes name, email, address, date of birth, and proof of ID and residence.
Can registration be done without email?
Email is generally required for account creation and communication.
Is phone confirmation required during registration?
Phone number verification is typically required as part of KYC.
Are there age restrictions for registration?
Users must be 18 years or older.
Can a corporate account be created?
There is no public indication of corporate account services; focus is individual accounts.
Is it required to provide real data?
Real and verifiable personal data is mandatory for verification and compliance.
Are there country restrictions for registration?
Registration is restricted to UK residents with legal permission to reside.
How long does account activation take?
Activation is generally immediate after verification, though document checks can introduce delays.
What verification levels exist?
Verification levels include basic ID verification and enhanced verification requiring proof of address and source of funds.
What documents are required for basic verification?
Valid photo ID such as passport or driving license.
Are documents needed for full verification?
Yes, proof of address and additional documents for source of funds may be required.
Are digital copies of documents accepted?
Yes, scanned or photographed digital documents are accepted.
How long does the verification procedure take?
Verification can take from a few hours up to several business days depending on document review.
Can the service be used without verification?
Limited usage is possible; unverified users face restricted limits and functionality.
What restrictions apply to unverified users?
Unverified users have lower transaction limits and may not access all services.
Is address confirmation required?
Yes, address verification is required for full access and higher limits.
Is a selfie with documents required?
Some enhanced verification stages may include selfie or biometric checks.
How often do documents need to be updated?
Documents must be current; expired documents will require resubmission.
What encryption technologies does the service use?
Industry-standard encryption such as TLS/SSL for data transmission.
Is two-factor authentication supported?
Yes, 2FA options are supported for account security.
Are there SMS confirmations for operations?
SMS verification is used for authentication and transaction confirmations.
Is biometric authentication supported?
Biometric login such as Touch ID or Face ID is supported in the mobile app.
Is blockchain technology used?
Blockchain technology is not used in the core payment service.
Is there a multi-level security system?
Yes, Pockit employs multi-layer security, including encryption, 2FA, and account monitoring.
How is user personal data protected?
Pockit complies with GDPR and UK data privacy regulations with secure storage and access controls.
Is cold storage used for cryptocurrencies?
Not applicable as Pockit does not hold cryptocurrencies.
Is there DDoS attack protection?
The service uses industry best practices to mitigate DDoS and cyber attack threats.
Are regular security audits conducted?
Regular security audits are conducted to maintain compliance and security standards.
What anti-phishing protection measures are provided?
Anti-phishing education and detection methods are implemented, including alerting users to suspicious activity.
Is there a suspicious activity detection system?
Yes, automated systems monitor accounts for fraud and suspicious transactions.
How does the service combat money laundering?
Pockit implements AML policies including KYC checks, transaction monitoring, and reporting suspicious activities.
Is there blocking of suspicious accounts?
Accounts can be blocked or restricted if suspicious or fraudulent activity is detected.
What to do when fraud is detected?
Users should report fraud immediately via support channels for account lockdown and investigation.
How to report suspicious activity?
Suspicious activity can be reported through live chat, email, or app support features.
Is there compensation for damage from fraudsters?
Pockit will investigate fraud claims and may offer compensation in accordance with FCA guidelines.
What user rights exist for disputed transactions?
Users are entitled to dispute unauthorized transactions under FCA rules and have cases investigated.
How to dispute account blocking?
Users can submit a complaint via customer support or escalate to the Financial Ombudsman if unresolved.
Is there insurance against cyber attacks?
No detailed public information on cyber insurance coverage.
What fees does the service charge for transfers?
Fees vary by plan; standard transfer fees and some free transactions depending on plan.
Are there fees for account funding?
Some funding methods may incur fees; fees depend on payment method chosen.
Are fees charged for fund withdrawal?
Withdrawal fees depend on the account plan and withdrawal method.
Are there fees for currency conversion?
Currency conversion fees are not applicable as Pockit deals only in GBP.
Are there fees for account inactivity?
Some accounts may charge inactivity fees after prolonged non-use.
Are there account maintenance fees?
Monthly usage fees apply, deducted automatically.
Are fees charged for operation cancellation?
No specific fees for canceling operations noted.
Are there fees for expedited operations?
No explicit fees for expedited services found.
Are there hidden fees?
Pockit discloses fees in its terms; users should review the fee schedule for transparency.
How are fees calculated for large amounts?
Fees are generally flat or percentage-based depending on service; large transactions subject to limits.
Are there different tariff plans in the service?
Yes, multiple plans such as Pay as you go, Everyday, Extra with varying fees and benefits.
What advantages does VIP status provide?
No public information on VIP or premium status benefits.
How to get preferential conditions?
Preferential conditions may be linked to higher-tier plans or partnerships.
Are there free operations per month?
Some plans offer free transactions within certain limits.
Are there discounts for active users?
No explicit discount programs publicly described.
Are there corporate tariffs?
No available information on corporate business accounts or tariffs.
Can individual conditions be obtained?
Custom terms may be possible but no public details.
Do promotional codes work for fee reduction?
Promotional codes and offers may occasionally be available.
Are there cashback programs?
Yes, cashback rewards are offered on certain transactions.
Are there discounts for transaction volumes?
No formal volume discount information available.
Is there an official mobile application?
Yes, Pockit has an official mobile app.
On which platforms is the application available?
The app is available on iOS and Android platforms.
What functions are available in the mobile application?
Mobile app features include account management, payments, instant card details, bill payments, cashback, alerts, and customer support chat.
Does functionality differ from the web version?
Mobile app provides full service; web version may have slightly reduced features.
Is Touch ID/Face ID supported?
Yes, biometric authentication is supported in the mobile app.
Can the application work offline?
The app requires internet for most functions; limited offline functionality.
Are there push notifications about operations?
Yes, push notifications alert users about transactions and account activity.
Is dark theme supported?
Dark mode is supported on the mobile app.
How often is the mobile application updated?
The app is regularly updated with bug fixes and new features.
Are there beta versions of the application?
No public information on beta programs.
Is the web interface of the service convenient?
The web interface is user-friendly but less seamless than the mobile app.
Is responsive design supported?
Yes, the website is responsive for mobile devices.
In which languages is the interface available?
The interface is available in English.
Is there a night mode for the website?
No widely reported night mode for the web interface.
Are hotkeys supported?
No known hotkey support.
Can data be exported?
No public functionality for data export noted.
Is there an API for developers?
No public developer API is available.
Is integration with other services supported?
Integration via third-party payment providers is supported.
How often is the web interface updated?
Updates are made regularly but on an unspecified schedule.
Are there virtual cards in the service?
Pockit mainly issues physical prepaid Mastercard; no virtual cards widely available.
Can disposable cards be created?
No information on disposable or temporary cards.
Is multi-currency account functionality supported?
No, only GBP is supported.
Are there investment products?
No investment products are offered.
Can interest be earned on balance?
No interest is earned on account balances.
Are there credit products?
Pockit offers a credit builder feature but no traditional credit products.
Is P2P trading supported?
No peer-to-peer trading of assets.
Can cryptocurrencies be bought/sold?
No cryptocurrency trading services.
Is there acquiring for business?
No information on merchant acquiring services.
Are mass payouts supported?
No public information on bulk payout capabilities.
Is there a loyalty program in the service?
Cashback rewards act as a loyalty incentive.
How are bonus points earned?
Cashback rewards based on card usage.
Is there cashback for operations?
Yes, cashback programs exist.
Are there referral programs?
Referral incentives are offered.
What privileges do VIP clients have?
No VIP privileges publicly disclosed.
Are there seasonal promotions and offers?
Seasonal promotions may be offered but vary.
Can premium status be obtained?
Premium account tiers exist with added features.
Are there partner discounts?
Possible partner merchant discounts via app benefits.
Are there corporate loyalty programs?
No specific corporate loyalty schemes.
Does the service allow operations with online casinos?
No publicly stated policy on online casino payments.
Are there restrictions on gambling transactions?
Standard restrictions under UK law apply.
Can accounts be blocked for casino play?
Accounts can be restricted for suspicious activity including gambling.
How does the service view gambling?
As per regulatory compliance, gambling transactions may be monitored.
Are there special conditions for gambling?
No special terms publicly detailed.
Are casino transactions tracked?
Transactions are monitored as part of fraud prevention.
Can operations with gambling sites be hidden?
No privacy controls for hiding gambling transactions.
Are there notifications about gambling expenses?
No specific gambling expense alerts.
Are there special fees for gambling operations?
Not disclosed.
Can limits be set on gambling?
No user-configurable gambling limits reported.
Is there a self-exclusion function?
No specific self-exclusion product.
Can access to gambling sites be restricted?
No built-in gambling site blocking reported.
Is gambling expense control supported?
No specific tools reported.
Are there notifications about limit exceedance?
No public info on alerts for limit excess.
Can operations with casinos be blocked?
Fraud and risk systems may block suspicious transactions.
Is there gambling expense statistics?
No such analytics publicly advertised.
Is a "cooling-off period" supported?
No cooling-off functionality.
Can help be obtained for gambling addiction?
No dedicated support, users advised to seek external help.
Is there partnership with player assistance organizations?
No public partnerships known.
How to set up gambling expense notifications?
Not available.
Which online casinos accept this payment method?
No public list available.
Are there exclusive partnerships with specific casinos?
None known.
Do conditions differ when used in different casinos?
Not applicable.
Are there special bonuses for using this method in casinos?
None known.
Can the method be used for both deposits and withdrawals in casinos?
Not specified.
Are there geographic restrictions for casino usage?
UK law applies.
How do casino operators typically process transactions from this method?
Treated as standard Mastercard transactions.
Are there typical processing times when used with casinos?
Standard card processing times.
Do casinos usually charge additional fees for this method?
Not commonly charged.
Are there any known compatibility issues with major casino platforms?
None reported.