first direct vs Pockit: Bank Card Alternative Usage & Stats

Pockit helps everyone access a mobile banking alternative with a prepaid contactless Mastercard®. This means all the benefits of banking online (and more!) without the credit checks of other bank apps.  Top up easily using cash, bank transfer, or debit card. Send money within the UK, set up Direct Debits, and make payments with Apple Pay. Access cashback rewards and get the opportunity to start building your credit score and access to credit in just 3 months.  Here’s why 1,000,000+ people love Pockit: INSTANT PAYMENT • Get your card details straight away to start digital banking and online shopping • Receive your pay a day early at no extra cost • Access an instant UK account number ALL THE KEY FEATURES OF A BANK ALTERNATIVE APP  • Instant spending alerts and balance updates  • Manage bills, rent, and even PayPal top-ups in one place • Get up to £100 cash advance before payday  • Use our credit score builder BUILD CREDIT SCORE & GET ACCESS TO CREDIT • Get up to £100 cash advance before payday. 0% interest-free. No hard credit checks. Better alternative to credit cards and short-term online loans with more control & flexibility than an overdraft. Terms apply • Borrow up to £500 after 3 months at 0% interest. Repay easily in 3 monthly installments, small flat fee applies. No hard credit checks (subscription required) ONLINE BANK ACCOUNT STYLE MANAGEMENT  • Lock your card if you lose it and order a replacement in seconds •  Manage up to £10,000 in your account • Easily share an online bank account alternative with friends or family  REWARDS!  • Better deals on broadband, TV, and mobile services • Use your Pockit card for a chance to win £250 every week (terms apply) • 15% cashback from leading retailers like Sainsbury's, Argos and Pizza Express ACCESS POCKIT's BANK ACCOUNT ALTERNATIVE WITH: • Low credit or no credit history (including if you’re new to the UK)  • £0 subscription fees  • A birth certificate & other forms of ID that are not accepted by online banks  You can get access to a mobile banking app alternative in just 3 minutes with no credit score check. Apply now for an easier, more rewarding form of online banking. Disclaimers: 1. Pockit is a prepaid account, not a bank. Prepaid accounts are not covered by the Financial Services Compensation Scheme (FSCS). 2. Credit scores can be influenced by various factors and improvements to your score are not guaranteed. 3. Sign up in the 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 guidance only. Actual delivery times may vary and depend on Royal Mail. 4. Personal credit becomes available after 3 months on the Fast Track to Credit plan, add £200/month to qualify, no adverse credit history. 5. Credit Builder, Personal Credit and Income Advance services are powered by SteadyPay. 6. Representative APR 40.47%. We do not charge interest. The APR depicts the transaction fee of £4.99 as the cost of using our service. Representative example: Income Advance issued: £50. Interest charged: 0%. Transaction fee paid: £4.99. The repayment period for Income Advance is 90 days. Total amount paid: £54.99. Representative cost: 40.47%.