Spend, save, and 
move money freely

Enter an amount, pick a recipient, and send. pocket connects to local payment rails in 180+ countries so money arrives in minutes, not days. We use the real mid-market exchange rate with zero markups — what you see is what they get. Recipients are notified instantly via SMS.

No. Recipients only need a phone number. They get an SMS the moment money lands and can withdraw directly to their local bank or mobile money wallet. If they download pocket, they unlock instant transfers between users and multi-currency accounts.

The real mid-market rate — the same one banks use between themselves, with zero markup from pocket. No spread, no hidden conversion fees. The rate you see at the time of transfer is the exact rate applied. You can lock it for 30 seconds while you confirm.

Create a pool for any shared expense — rent, a group trip, a birthday gift. Invite friends via link or phone number. Everyone contributes on their own time. Splitting works instantly: select a transaction, divide it equally or custom, and everyone gets notified.

Set it once and forget it. Choose an amount, pick a recipient, select a frequency, and pocket handles the rest. Your family gets notified every time money arrives. Pause, adjust, or cancel anytime. If your balance is low, we'll notify you before anything fails.

A physical and virtual debit card that works everywhere contactless is accepted. Earn 3% back through pocket checkout, 1.5% everywhere else, and up to 7% at rotating partner brands. No annual fee, no foreign transaction fees.

Every transaction earns cash back deposited directly to your pocket balance — no points to convert, no minimums. Base rate is 1.5% everywhere. Use pocket checkout for 3%. Partner brands rotate weekly up to 7%. No caps, no categories. Fully automatic.

End-to-end encryption on every transaction. Real-time fraud monitoring. Funds held in FDIC-insured partner banks. AML/KYC compliant, FinCEN/FinTRAC licensed, SOC 2 Type II audited.

Yes. No monthly fees, no account minimums, no hidden charges. International transfers use the real mid-market rate with zero pocket markup. The card has no annual or foreign transaction fees. Premium features are available through pocket Pro, but the core experience is completely free.