Pockit pre-pay card inactivity fee

I had the email and closed my account. It was a rubbish card anyway. I only opened it because of a £5 credit promotional offer and the cashback. I never received either the promotional offer or any cashback when I used it at Argos. Complaints drew no response so it wasn't worth keeping the card.

glennevis wrote: »

I have had a Pockit card for over a year. It was quite handy for Halfords cashback but I haven't used it since last August.

Today I had a notification on my phone from the Pockit app advising me of a £0.99 inactivity fee. Logged in and sure enough my account has been debited.



Investigated why and discovered that their T&Cs changed last year. I trawled through my emails and was never notified of this change so I would call this very underhand practice.


From March they will be charging customers who joined before February an inactivity fee of £0.99 a month, unless you use your card at least once every six months.


Heads up to Pockit card users!

Very helpful. After reading your post I checked the Pocket card expiry date and it expired last year. Even though they have my up to date details I have never been advised of any changes to their terms and conditions and no new card.

I phoned them to day only to be told they will only accept my request in writing if I required the account to be closed.

EarthBoy wrote: »

You can close it by messaging them online, -that's what I did. Click on your initials in the top right hand corner of the screen/help and support/other/submit a request/report new issue/other.

I received a reply asking why I wanted to close my account. I replied telling them to go back and read my message, as I'd explained why I wanted to close it. They replied saying it was now closed.

Please note: make sure you spend any money left on the card, or transfer it out, before you ask for the account to be closed. Otherwise they'll ask you to submit bank statements for the account where you want the balance sending.

Thats is a good idea. However they now say they cannot close the account until zero balance. There is a credit left of 25p and I cannot transfer out and the card has already expired so I told them to keep it as it was from the original £5.00 bonus. Hopefully they are ok with that.

This whole thread is a very clear case of making a proverbial mountain out of an equally proverbial molehill. Pockit did give notice of their revised T&Cs. It's not their fault that certain cardholders don't read their emails and ignore the notices on the Pockit website. Let's face it, using the card just once in a 6 months period is not at all difficult or conversely paying £0.99p every 6 months is not a great amount and neither is the monthly membership fee of £0.99p a great amount.

I've been a Pockit cardholder since its inception and noted it being developed very slowly with each development building on the last. The latest development is direct debits which is in line with the current tendency towards prepaid current accounts. We might argue that such prepaid current accounts are not needed since the inception of basic bank accounts but it's good to have a safety net and cards such as Pockit is it!

All power to Pockit!

remnize wrote: »

If a Pockit customer did not receive notification by email for whatever reason then they would be unaware Pockit were making these changes. It does not appear that Pockit have placed an obvious notice or explanation of the changes on their website, so unless a customer had saved a copy of the original terms and regularly compared the wording they simply would not have known of these changes. Fortunately I kept a copy of terms and conditions to which I agreed to which specify what sort of notice is acceptable:
The way I see it, if a customer claims they didn't receive notice by email, then they would be perfectly justified in asking for a refund of any inactivity fee.

Not exactly: All any existing customer or future customer needs to do if they cannot read and/or understand the terms clearly displayed on the Pockit website is access the fees table as well as the terms attached to it similarly clearly displayed on the Pockit home page:
https://www.pockit.com
https://www.pockit.com/terms/

i.e:

**FREE for customers who use Pockit as their primary account. We will NOT charge you if you spend more than £500 in any given month. **FREE for customers who joined Pockit before February 2018, and use Pockit actively. If you joined Pockit before February 2018, and if you use Pockit at least once during any 6-month period, then we will NOT charge you.

It does appear that certain people get a Pockit card and don't use it and then complain when they are charged an inactivity fee of £0.99p every 6 months. For crying out loud, if you're not using it get rid of it!