Current Accounts

At the Post Office we believe in making life as easy as possible for our customers, which is why we're bringing the convenience of local banking back to you with our current accounts. They have been designed to suit your banking needs. They're straightforward and clear with no hidden charges and they allow you to manage your money the way you want – at one of our 11,500 branches, online or over the phone.

Want to open an account?

To find your nearest branch where you can open a Post Office Current Account, click here.

Post Office Current Accounts are provided by Bank of Ireland UK

Free UK hotel break when you open a Post Office Current Account

When you open a new Current Account, we'll treat you to a one night hotel break for two. Take your pick from over 250 locations nationwide including Hotel du Vin, De Vere and other independent hotels. All you need to do is apply for an account by 30 November 2014, complete a partial or full switch by 31 December 2014 and start looking forward to your getaway. For full terms and conditions click here.

New Post Office Current Account Retry System!

If money is not present in your account when a direct debit, standing order or future dated payment is due you have until 2pm that day to pay in enough money to ensure that the payment is made.

Payments can only be made against cleared funds. For more information about the time it takes to clear different payment types please check Page 10 in the Guide to Personal Banking.

Important information on overdrafts

Representative example: Based on an overdraft limit of £1,200 used in full for a three-month period where the variable rate of interest is currently 13.97% per annum, the total charge for credit would be £41.91.

The amount is for illustrative purposes only and the Equivalent Annual Rate (EAR) for comparison purposes is 14.9% EAR (variable).

Here’s a summary of the features and benefits of each of our current accounts:

Features Standard Account Control Account
Direct Debits
Standing orders
Online banking
Phone banking
Post Office counter services
ATMs in the UK
Debit card
Cash card  
Card use abroad
Cheque book (available on request)

Current Account Switch Guarantee

Overdraft (subject to status and lending criteria) 14.9% EAR  N/A


Charges Standard Account Control Account
Monthly product fee n/a £5
Charge for bounced payments (the unpaid item fee that applies when you don’t have enough available funds to make a payment) £15 N/A


0845: Local call rates apply. Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes.

EAR: Equivalent Annual Rate (variable). The EAR is an illustrative interest rate calculated on the assumption that any overdraft interest charged is added to the overdraft balance at the time and then the next interest charge will be based on that slightly higher overdraft balance. This rate assumes that interest is charged monthly and compounded 12 times in a year.

Small print

Post Office current accounts are provided by Bank of Ireland (UK) plc.

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Office Limited is registered in England and Wales. Registered No 2154540. Registered office is 148 Old Street, London EC1V 9HQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Post Office Limited (POL) works with Bank of Ireland Group to provide financial services products to POL customers. In relation to credit cards, mortgages, personal loans and overdrafts, POL works exclusively with companies in the Bank of Ireland Group for the provision of credit.

Existing customers

Already have a Post Office current account?

Login to online banking Login to Packaged Account benefits

Can we help?

Already got our Current Account? Call:

0845 266 8977

8am-10pm, Mon-Fri

8am-6pm, Sat

10am-5pm, Sun & Bank Holidays


Please note: this telephone number is only for current account queries. For information on Post Office Card Account:Visit the product page

Ready to switch?

We can arrange a switch from your existing accounts to one of our current accounts