Current Accounts

Post office counter

Now available in 110 branches

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 range of 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.

At the moment our Standard, Packaged and Control accounts are only available in 110 branches mainly across the East of England and East Midlands. Please see participating branches here.

We plan to roll them out more widely in the future so if you'd like to be kept up to date, register your details and we'll be in touch. Register your interest in current accounts.

Post Office current accounts are provided by Bank of Ireland UK

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 (EAREquivalent 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.) for comparison purposes is 14.9% EAREquivalent 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. (variable).

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

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

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

 

Charges Standard Account Packaged Account Control Account
Monthly product fee n/a £8 £5
Charge for bounced payments (the unpaid item fee that applies when you don’t have enough available funds to make a payment) £15 £15 N/A

 

Additional Benefits Standard Account Packaged Account Control Account
European Multi-trip Family Travel Insurance  
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Rescue Plus Breakdown Cover with Green Flag  
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Identity Theft Protection  
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Travel Booking Service  
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Travel insurance is provided by FirstAssist Insurance Services Ltd and is underwritten by CIGNA Life Insurance Company of Europe and CIGNA Europe Insurance Company.

Breakdown cover is provided by Green Flag Breakdown Service, which is underwritten by U K Insurance Limited.

Definitions

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.

Current Account Switch Guarantee: Industry backed initiative designed to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way in only 7 working days. For more information go to www.simplerworld.co.uk

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:

0845Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes. 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