Pockit: A Banking Alternative

Been usin this card to pay for a lot of stuff and is absolutely brilliant. I’ve had this card now for some time now and although I do have a bank account, it’s not always easy to deposit money as I work nights and can’t always get to the bank in time. A lot of times I used to stay up till the bank opens or get up really early so as to get to the bank on time and sometimes always rushing before they close or worse can’t get to the bank in time, ie rush hour, problems parking and queues, etc. This has made my life (personal and working) so much easier. Just pop into any pay point shop, day or night, and load your money and it’s available straightaway. Brilliant! Can’t recommend this enough. Only issue I have is transfer in or out takes time, sometimes it’s quick about an hour and lot of other times it takes longer. Someone please sort this out. Everything with the app is spot on, notifications, sign in using Touch ID, balances, statements, just like a contemporary bank but more.

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I’m afraid I’m struggling to find anything good to say about Pockit. They are almost impossible to reach by telephone, (the number on my card has been replaced by another) and when you do get the right number, an hour or more will suffice if you want to speak to someone. When you email an urgent query about a possible fraud, you are promised a reply within 48 hours (which would be poor enough) but a stock impersonal response is sometimes issued, sometimes not, after around a week. I have yet to get a conclusion to a straightforward recall of a pending payment after 4 months. They send the same reply about ‘not having a timescale’ each time, so with or without the App, the service is appalling. The App constantly asks you to sign in using Touch ID. This does not work. Ever. To be asked to try something you know not to work each to you log on is frustrating to say the least. When trying to add funds, the app frequently crashes or even says the loading of the card has failed, when if you log out and in again is actually hasn’t. This can, of course lead to transactions being taken twice, plus 99p fee of course. Really, both the card company and the App leave a lot to be desired. There should be more respect for their customers and a reliable interface.

I have just opened a Pockit account and found that trying to use their website is a nightmare. I tried to open an action request without success. I moved on to another again it would not open. I tried to change the date of a loqbox payment as I knew that my account would not be able to pay it ( for 4 days) and finally had to close it. When I was eventually able to make contact by phone....it takes ages to get a response... I learnt that loqbox is a third party and I must now chase them to get my opening payment for the loqbox. I have only just opened a pockit account so my loqbox fee of £9.99 could be a throwaway. I was told by the pockit rep. on the phone that they wait for up to 10 days before cancelling the loqbox arrangement! If I had known that there would have been no problem. Harry Broph

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I had been a Pockit customer for a year and used the service as my secondary account. One day i was going through my transaction history and noticed a few transactions which I didn’t recognise. I immediately contacted Pockit to report this and the lady i spoke with said it will be looked into and somebody will be in touch soon. A few days later I received an email saying your account is now closed, I contacted Pockit straight away and nobody could explain to me why my account had been closed not even a manager! To make matters worse I received a refund into my account on the day the account was closed and they company is even refusing to give me this refund which they have confirmed came into my account! The unauthorised transactions on my account ammounted to around £300 and the refund around £50 so this company has defrauded me out of £350 and decided to close my account instead of investigating it and resolving it. I would NOT recommend this company to anyone. Stay away!!! Absolute FRAUD and the worst customer service I have ever received in my entire life!!!

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1* is even abit high!! PLEASE AVOID. Horrendous company who allowed me to setup an account very easily. Card paid for and was in my hands within 3 days. My friend owed me some money (approx £300) no problems. Arrived in my account the next day. THEN!! Pockit decide to block my account and demand all sorts of identification. Happy to send as I want to unblock my account and be free to use the bank. This was the beginning of April. They keep sending me the same automated message saying they cannot provide a timescale but should be approx 24 hours. Its been WEEKS!!!!!!! Blocked account and no access with no urgency with the fact £300 has gone and was very needed for bills. Asking for personal conversation screenshots (possibly to extend the time between scamming me and hoping I give up) THE MOST RIDICULOUS COMPANY EVER AND MANY PEOPLE HAVE HAD THEIR ACCOUNTS BLOCKED. Loads of people have written negative reviews on facebook. I wouldn’t mind but it has been 6 weeks and their customer service do not care I am going to end up in debt if they do not release the money.