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Review of the Pockit, Account:

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Reading many of these reviews, I am thinking I was lucky

I first signed up for a virtual Wirecard (which is German and deals in Euros primarily), and that was completely horrible - it took me over a month to get money my £40 top-up onto it. I kept emailing and got so fed up when I finally got it, I just withdrew all £40 and paid it into Amazon credits, which is more reliable, though I had no Amazon purchases planned. I later found Pockit, and thought I'd give it a try. I later found out it was in partnership with Wirecard, which may or may not be part of the problem of what people are facing. However, by and large, it has worked well for me. I tested a bank transfer and it took almost a week to turn up, so I tried to top it up with my debit card instead, which takes a few minutes to 30mins max to turn up. If you use bank transfers, be very careful to put in the correct reference, as you may end up in limbo and need to then contact Pockit. I typically only top up £10-£20 at a time as it's contactless and I don't want to lose large amounts of money. I know many people use it for their wages/benefits, but I am a bit leery about it, and I'm happy with my main bank account. I originally planned to use it for London buses/trains, and for potentially risky online purchases where I don't want to give out my main bank card details, or if it's a surprise that I don't want appearing on my bank statement. Right now though I just give it to my girlfriend to buy a coffee or some groceries. It's a nice web-interface that almost instantly updates when payments or withdrawals are made, so I can keep track of it more thoroughly than my bank card which takes 2-3 days to show up on the online statement. Bear in mind that withdrawals do incur a £1 fee - but if it's my girlfriend, I don't argue, ha. If you are looking to use it for small top-ups and payments, paying in with another debit card, you may want to give this a go, as the costs are minimal, so the risk is then low. I'm sorry about the guys who have suffered - honestly, I had the same experience with the virtual Wirecard. I even got my bank to send me a letter with the transaction details of my bank transfer, and it took Wirecard ages to credit my account even with all the info. I think it is the problem with the cheaper accounts without monthly fees, and may be better to get a prepaid card you pay monthly fees on... but that's something I'll test maybe much later on when I have the money or inclination. Reviewed on: 23rd September 2016

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