A Postoffice credit card gives UK borrowers a credit limit from £200 to £8,000 and a 0% promotional rate on purchases and balance transfers for up to twelve months. The balance transfer offer carries a 2.9% fee on the amount moved. Potential applicants can test eligibility online by entering annual income, existing debt, and credit history. The whole application runs through the Post Office website.
Post Office Credit Card Overview
The Post Office Money credit card targets UK residents who want a long 0% window on new spending and on balances moved from other cards. Key features include:
| Feature | Details |
|---|---|
| Credit limit range | £200 to £8,000 |
| 0% purchase period | Up to 12 months |
| 0% balance transfer period | Up to 12 months |
| Balance transfer fee | 2.9% of transferred amount |
| Typical APR after promo | 34.9% variable (based on 2022 Finder data) |
| Application method | Online via Post Office website |
| Card network | Mastercard |
Approval depends on a full credit assessment. The final rate and limit depend on personal financial circumstances.
https://www.postoffice.co.uk/credit-card
Who Can Apply — Eligibility Rules
Post Office Money sets baseline criteria for all applicants. Meeting these does not guarantee approval, but failing them means the application will likely be declined.
Baseline Eligibility Criteria
- Age 18 or over.
- Permanent residential address in the United Kingdom.
- Active UK bank or building society current account.
- No existing Post Office Money credit card.
- Sufficient income and acceptable credit history.
The assessment includes a credit check, verification of income, and a review of existing debt commitments.
https://www.finder.com/uk/credit-cards/post-office-money
Eligibility Checker — Test Before You Apply
Post Office Money offers an online eligibility tool that asks for annual income, existing debt levels, and credit history. This soft-check tool indicates likely acceptance without leaving a footprint on the credit file.
What the Tool Assesses
- Annual income — total earnings before tax.
- Existing debt — credit cards, loans, and other commitments.
- Credit history — defaults, CCJs, and repayment patterns.
Completing the checker helps applicants avoid a hard credit search that could affect their score if the application fails.
https://www.postoffice.co.uk/credit-card/check-eligibility
How to Apply for a Post Office Credit Card
The application runs entirely online. Applicants must prepare certain documents and details before starting.
Information Needed for the Application
| Required Detail | Purpose |
|---|---|
| Date of birth | Identity verification |
| National Insurance number | Identity verification and credit check |
| Current bank account number and sort code | Direct debit repayment setup |
| Residential addresses for the past two years | Address verification |
| Recent utility bill | Proof of address |
| Existing credit card accounts to transfer | Balance transfer setup |
Application Steps
- Visit the Post Office credit card page and select “Apply”.
- Complete the eligibility checker if desired.
- Fill in personal details, address history, and bank information.
- Provide National Insurance number and consent to a credit check.
- Submit the form and await a decision.
Most applicants receive an instant decision. Some cases require additional verification.
https://www.postoffice.co.uk/credit-card/how-to-apply-for-credit-card
Post Office Money Credit Card App
The Post Office Money Credit Card app gives cardholders real-time control over their account. Available to all credit card customers on Android and iOS.
App Features
- View real-time balances and recent transactions.
- Receive push notifications for each transaction.
- Locate nearby ATMs.
- Set spending limits for specific merchant categories.
- Biometric login (fingerprint or face recognition).
- Encryption of all data in transit.
- Offline transaction recording that syncs when connectivity returns.
The app helps users track spending and spot unauthorised activity quickly.
https://download.cnet.com/Post-Office-Money-Credit-Card/3000-2057_4-78360008.html
Post Office Card Account — Managing Your Card
The online portal lets cardholders view recent transactions, make one-off payments, and set up scheduled direct debits. Customers can also request printed statements by phone.
Contact Numbers and Hours
| Purpose | Phone Number | Hours |
|---|---|---|
| General enquiries (cards starting 5545 or 5545) | 0345 607 6500 | Mon–Fri 09:00–19:00, Sat 09:00–14:00 |
| Printed statements and general enquiries | 03457 22 33 44 | Business hours |
| Lost or stolen card — 24-hour line | 0800 389 2101 | 24 hours, 7 days a week, including bank holidays |
The 24-hour helpline blocks lost or stolen cards immediately. This line cannot accept general enquiries. All other queries should go to the 03457 22 33 44 number during business hours.
https://www.postoffice.co.uk/post-office-card-account
Post Office Travel Money Card — A Separate Product
The Travel Money Card is a prepaid currency card, not a credit card. It lets users load any of 23 currencies, including euros, US dollars, and Australian dollars. The card works at over 36 million merchant locations worldwide and supports contactless payments.
How the Travel Money Card Works
- Order online, via the app, or in any Post Office branch.
- Load funds in the chosen currency.
- Receive the card within 2–3 business days.
- Activate by setting a PIN through the online portal.
The companion app lets users track spending, freeze the card, and reload funds instantly.
https://www.postoffice.co.uk/travel-money/card
Post Office Money Savings Accounts
Post Office Money savings accounts are offered by Bank of Ireland UK, a trading name of Bank of Ireland (UK) plc. The firm is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority under registration number 512956.
https://www.pofssavecredit.co.uk/POFS-NPS/do/login?methodname=displayPresignin
Post Office Credit Card vs Other Post Office Products
The Post Office offers several financial products. The credit card differs from the Travel Money Card and savings accounts in purpose and function.
| Product | Type | Main Use |
|---|---|---|
| Post Office Money Credit Card | Revolving credit | Borrowing, purchases, balance transfers |
| Travel Money Card | Prepaid currency card | Spending abroad without credit |
| Post Office Money Savings | Deposit account | Earning interest on savings |
Each product serves a different financial need. The credit card suits those who want to spread the cost of purchases or consolidate existing card debt.
Other Postal Service Credit Cards — International Options
Several national postal operators issue credit cards. These products differ from the UK Post Office Money credit card.
USPS Federal Credit Union Credit Cards
The United States Postal Service Federal Credit Union offers VISA credit cards to its members. Cardholders can request a printed agreement by calling 800-877-7328. The VISA Account Updater service refreshes merchant records when a new card is issued. Balance transfer requests require a form mailed to USPS FCU, ATTN: VISA, 7905 Malcolm Rd., Suite 311, Clinton, MD 20735, or faxed to 301-856-4409.
https://www.uspsfcu.org/credit-cards/
An Post Money Credit Card (Ireland)
An Post, the Irish postal service, offers a credit card through An Post Money. The card features a 0% balance transfer rate equal to the purchase rate. Transfers range from €100 to 95% of the approved credit limit. The rate depends on the applicant’s financial profile and credit history. A sample scenario shows a total repayment of €1,666.50 on a €1,530 principal, with a cost of credit of €136.50.
https://www.anpost.com/Money/Credit-Card
Australia Post Everyday Mastercard
The Australia Post Everyday Mastercard is a prepaid card that combines spending with money transfers, purchase insurance, and identity verification services. Cardholders can receive government benefits, pay utility bills, and access discounted travel insurance through the Australia Post online dashboard.
https://auspost.com.au/money-insurance/prepaid-cards/everyday-mastercard
Key Benefits of the Post Office Credit Card
The Post Office credit card offers several advantages for eligible UK borrowers.
- Long 0% purchase period — up to 12 months on new spending.
- 0% balance transfer for the same period — useful for consolidating existing card debt.
- Online eligibility check — soft search that does not affect credit score.
- Full online application — no branch visit required.
- Mobile app — real-time balance tracking, spending alerts, and card controls.
- UK-based customer service — phone support six days a week.
Limitations and Costs to Consider
Borrowers should weigh the drawbacks before applying.
- Balance transfer fee — 2.9% of the amount moved.
- High standard APR — 34.9% variable after the promotional period ends.
- Credit limit range — £200 to £8,000, with the final amount set by the lender.
- No rewards programme — the card does not earn points or cashback.
- Late payment fees — missed payments incur charges and may affect credit history.
How the Post Office Credit Card Compares to Other 0% Cards
Several UK lenders offer 0% purchase and balance transfer cards. The Post Office card stands out for its length of promotional period but carries a higher-than-average balance transfer fee.
| Card | 0% Purchase Duration | 0% Balance Transfer Duration | Balance Transfer Fee |
|---|---|---|---|
| Post Office Money Credit Card | Up to 12 months | Up to 12 months | 2.9% |
| Typical Market Leader | Up to 20 months | Up to 18 months | 0%–1% |
Borrowers who need a longer 0% window may find better value elsewhere. Those who value a straightforward application and UK-based support may prefer the Post Office card.
Tips for Getting Approved
Improving the chances of approval involves several practical steps.
- Check the eligibility tool before applying.
- Ensure all addresses from the past two years are correct.
- Pay down existing credit card balances to lower utilisation.
- Register on the electoral roll at the current address.
- Correct any errors on the credit report before applying.
- Avoid multiple credit applications in a short period.
Managing Your Post Office Credit Card
Good card management helps avoid unnecessary charges and protects credit scores.
- Set up a direct debit for at least the minimum payment.
- Pay more than the minimum to clear the balance before the 0% period ends.
- Monitor spending through the mobile app.
- Report a lost or stolen card immediately on 0800 389 2101.
- Request a printed statement by calling 03457 22 33 44.
Frequently Asked Questions
What credit limit can I get with a Post Office credit card?
The Post Office Money credit card offers limits from £200 to £8,000. The final amount depends on the applicant’s income, existing debt, and credit history. Not everyone receives the maximum limit. The lender assesses each application individually and sets the limit based on affordability and risk.
How long does the 0% offer last?
The 0% promotional rate applies to purchases and balance transfers for up to twelve months from the account opening date. After this period, the standard variable APR of 34.9% applies to any remaining balance. Cardholders should aim to repay the full balance before the promotional period ends to avoid interest charges.
What is the balance transfer fee?
The balance transfer fee is 2.9% of the amount transferred. For example, transferring £1,000 incurs a £29 fee. This fee is added to the balance on the Post Office card. The 0% offer offsets the cost for many borrowers, but those transferring large amounts should calculate the total cost before proceeding.
Can I check if I am eligible without affecting my credit score?
Yes. The Post Office Money eligibility tool uses a soft search that does not leave a visible footprint on the credit file. This tool asks for annual income, existing debt, and credit history to indicate likely acceptance. Completing the checker helps applicants avoid a hard credit search that could lower their score if the application fails.
What happens if my card is lost or stolen?
Cardholders should call the 24-hour helpline on 0800 389 2101 immediately. This line operates every day of the year, including UK bank holidays. The team will block the card to prevent further use and arrange a replacement. This line cannot accept general enquiries. All other queries should go to 03457 22 33 44 during business hours.
How do I contact Post Office about my credit card?
For cards starting with 5545 or 5425, call 0345 607 6500. Lines are open from 09:00 to 19:00 Monday to Friday and from 09:00 to 14:00 on Saturdays. The service is closed on Sundays and UK bank holidays. Outside these hours, the online portal allows cardholders to view transactions, make payments, and set up direct debits.
Is the Post Office credit card a good choice for balance transfers?
The Post Office credit card suits borrowers who want a 0% balance transfer period of up to twelve months and can repay the balance within that time. The 2.9% transfer fee is higher than some competitors, so those transferring large amounts or needing a longer repayment window may find better value with other lenders. Comparing total costs before applying is always wise.
Official Contact Details
| Service | Phone Number | Hours |
|---|---|---|
| Credit card enquiries (5545 / 5425) | 0345 607 6500 | Mon–Fri 09:00–19:00, Sat 09:00–14:00 |
| Printed statements and general enquiries | 03457 22 33 44 | Business hours |
| Lost or stolen card — 24-hour line | 0800 389 2101 | 24/7, including bank holidays |
Official website: https://www.postoffice.co.uk/credit-card
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