The account for a life across borders.
Hold 38 currencies, spend like a local in 150 countries and send money home in seconds. Pocket AI keeps an eye on all of it, so you don’t have to.
4.8 from 312,000 reviews
EUR/USD
1.0842
▲ 0.21%
GBP/EUR
1.1886
▲ 0.08%
USD/JPY
149.74
▲ 0.23%
EUR/CHF
0.9381
▼ 0.12%
GBP/USD
1.2887
▲ 0.29%
EUR/PLN
4.2860
▼ 0.04%
USD/MXN
18.3084
▼ 0.73%
EUR/RON
4.9750
▲ 0.01%
AUD/USD
0.6603
▲ 0.52%
EUR/INR
90.62
▲ 0.27%
USD/CAD
1.3715
▼ 0.16%
EUR/SEK
11.4250
▲ 0.18%
people bank with Pocket
businesses get paid with us
moved across borders last year
median transfer arrival time
Local account details in euros, pounds and dollars. Get paid like a local, wherever the money comes from.
Learn more
You get the real mid-market rate with one small, upfront fee. No mark-up hidden in the exchange rate, and most transfers land in seconds.
The rate you see on Google, with no mark-up
71% of transfers arrive in under 20 seconds
Rate alerts tell you when to send
How transfers work
- €4.40Our fee
- €995.60Amount we'll convert
- 1.0842Real exchange rate
You save $41.45 compared with a typical bank transfer.
Send moneyAsk anything about your spending, plans or payments. Pocket AI answers from your own accounts, shows its working, and acts only when you say so.
Private by design
Reads only your Pocket data. Never used to train shared models.
You stay in charge
Every action needs your tap. Turn it off any time.
Meet Pocket AI
Physical, virtual or single-use. Freeze it in a tap, set limits per merchant and get notified before the receipt prints.
Pocket Metal
€15.99/mo
1% cashback on every card payment
A business account that opens in a day, accepts cards and wallets, pays suppliers in 160 countries and matches every receipt for you.
240,000 businesses get paid with Pocket
02
AI fraud guard
Every card payment is scored in under 40 ms. Unusual ones are paused and checked with you before they go through.
03
Biometric approvals
New devices, big transfers and card details need your face or fingerprint, every time.
04
Instant controls
Freeze cards, block online or contactless payments, and set location-based limits from the app.
Rated 4.8 by 312,000 people.
“Paid my rent in Lisbon from a RON salary for a year. The rate alerts alone saved me more than the Metal plan costs.”
Ioana P. · Bucharest
“Card got skimmed in Bangkok. Pocket froze it before I’d even noticed and had a new virtual one ready in seconds.”
Tom H. · Manchester
“I asked the AI where my money went in August. It found two gym memberships. I’m not proud of it, but I’m €60 a month richer.”
Priya S. · Berlin
“Sending money to my parents in Brazil used to take three days and a lot of hope. Now it lands before I put my phone down.”
Marco D. · Milan
“The vaults with round-ups are the only reason I have an emergency fund. It feels like saving by accident.”
Hannah K. · Vienna
“Freelancer with clients in the US and UK. Local account details for both means no more chasing wire fees.”
Daniel R. · Dublin
“Clean, fast and honest about fees. It’s the first finance app I actually enjoy opening.”
Sara L. · Stockholm
“Holding AED, EUR and GBP in one place and swapping at the real rate on a Sunday night. That’s the whole review.”
Ahmed B. · Dubai
Standard
Everything you need to spend, send and save.
€0
/ month
Free forever
Account in 38 currencies
Free ATM withdrawals to €200 a month
Transfers from 0.41%
3 virtual cards
Plus
Higher limits and protection for everyday spending.
€3.99
/ month
Cancel any time
Everything in Standard, and
Free ATM withdrawals to €400 a month
Purchase protection to €1,000
Priority in-app support
Savings at 3.4% AER
Most popular
Premium
For people who travel, often and well.
€8.99
/ month
Cancel any time
Everything in Plus, and
Worldwide travel insurance
2 airport lounge passes a year
Transfers from 0.21%
Savings at 3.8% AER
Metal
Cashback on every payment, and a card that feels it.
€15.99
/ month
Cancel any time
Everything in Premium, and
1% cashback on card payments
Fee-free transfers to €5,000 a month
Unlimited lounge passes
A 17-gram stainless steel card
Questions, answered.
Visit the help centre
How long does it take to open an account?
Most people are done in about three minutes. You'll need a photo ID and a quick selfie. Your virtual card is ready as soon as you're approved, and the physical one arrives in 3 to 5 working days.
Is my money protected?
What exchange rate do you use?
Does Pocket AI read my messages or other apps?
Can I use Pocket for my business too?
What happens if I lose my card?
