Money Card

  • Post Office Money Card is a prepaid MasterCard®
  • Top up in branch, online or via SMS
  • Use it as a debit card on the high street, online or over the phone
About the card

Money Card - An everyday card for your everyday transactions

  • No credit checks - Every permanent UK resident over 18 with a valid passport or UK driving licence can get the Money Card. There is no need to have a bank account.
  • Convenience - Use it like a debit card on the high street, online, over the phone or at an ATM (only verified cardholders can use ATM overseas). You can simply load your card and use it for your day to day spending.
  • Ideal for budgeting - You can control your spending by loading your card with the amount of money that you need to use for your transactions. There are no hidden fees.
  • Choices to suit you - You have the option to choose between a Pay Monthly Card if you are a frequent user or Pay As You Go Card if you are a less regular user.
  • Safer than cash - Your money is protected if your card is lost or stolen.
  • 24/7 access - You can manage your account 24/7 online, via SMS or by using our automated phone line.
  • ·Post Office Money Card is chip and PIN enabled to guard against fraud.
  • Use it everywhere - Use your card in millions of retailers, wherever MasterCard® is accepted.
  • Top up for free - No fees are added when topping up your card, including in any of the 11,500 Post Office branches in the UK.

Post Office Money Card is a re-loadable card, meaning that when your balance is low or zero you can simply load the card and use it again.

You can choose between the two types of cards: ‘Pay As You Go’ and ‘Pay Monthly’.

If you are planning to use your card frequently, then the ‘Pay Monthly’ type may be more suitable for your needs. There is a flat monthly fee of £4.95 and there are no transaction fees for using it in the UK. Other fees do apply. For more details please go to the Fees tab.

If you are planning to use your card occasionally, then the ‘Pay As You Go’ may be more suitable for you. There is a one off set up fee of £9.95 and no monthly fees. Usage and transaction fees apply. For more details please go to the Fees tab.

Get the card

Apply for your card

You can apply on-line or visit any Post Office branch. You need to be a permanent UK resident, over 18 years old and hold either a valid passport or UK driving license. There is no need to have a bank account.
The minimum load amount is £20 and the maximum load is £500.
You can load your card using your debit card on-line or by cash or debit card in branch.

Choose the type of card that suits you

We offer two types of cards:
A “Pay as you Go” card if you are planning to use your card occasionally.
A “Pay Monthly” card if you are planning to use your card frequently.
For more details regarding the fees & limits, please go to the ‘’Fees’’ tab above.

Receive your card

Your card will be sent to your home address within 4 - 8 days.

In the unlikely event that your card has not arrived within the above time frame, please call us on 0344 335 0759 or +44 20 7272 1764 if calling from abroad.

Activate your card

Once your card arrives you follow the instructions on your welcome letter to activate it.
The easiest way to do this is by sending a simple text message so please make sure you have provided us with your mobile number as part of your application.


Manage your card


Through our website you can:

  • Register your card
  • Activate your card
  • Load your card
  • Check your balance
  • View the last 6 months transactions

When you purchase your card online or register the card you purchased in a branch, we will automatically try to verify your personal details. If we are successful we will increase your load limit to £20,000 per annum (max loading cannot exceed £5,000 at any time). Our website offers you a 24-hour service.


Using our SMS service is easy so make sure you give us your mobile number as part of your application.

  • Activate your card and retrieve your PIN
  • Check your balance
  • Load more funds (an online load must have previously been carried out and your payment card must have been saved)

Simply send us a text and we will return the information in a matter of seconds.


Our automated phone line is open 24 hours a day and allows you to:

  • Listen to recent transactions
  • Check your up-to-date balance
  • Activate your card
  • Retrieve your PIN
Fees & Limits

Money Card Fees


Pay Monthly Pay As You Go Notes
Account set up fee N/A £9.95  
Monthly fee £4.95 per month N/A This fee will be charged from the date you activate your account and will be charged on the same day each following month. If there is not sufficient available balance in your account, the monthly fee will be charged when you next load your card
Lost & Stolen Replacement Card fee FREE FREE A courier charge will apply to all non-UK deliveries as well as to UK deliveries where you choose this delivery method
Load fee FREE FREE  
ATM withdrawals UK fee £1.00 £1.50 Includes cash withdrawals from a Post Office branch (where available) or bank or quasi-cash purchases
ATM withdrawals non-UK fee £1.50 £2.00 Only available for a Verified Cardholder account
Purchase transactions in Sterling (£) fee FREE £0.75 per transaction  
Foreign transaction fee as % of amount withdrawn/spent fee 3% 3% Transactions in a currency other than pounds Sterling will be converted to pounds at the exchange rate applicable at the time (see paragraph 4.21 in the terms & conditions)
Paper statement fee £5.00 £5.00  
Product switching fee £5.00 £5.00 You can only request one product switch between ‘Pay as You Go’ or ‘Pay Monthly’ in any 31 day period
Redemption fee £5.00 £5.00 For refund of cash value in the account
Maintenance fee N/A £2.00 per month Only applies if there has been no activity on the account for 12 months

Money Card Limits

A non-verified account is our standard card that has an annual load & spend limit of £750 per annum.

A verified account is our upgraded card which has a load limit up to £5,000 and a spending limit up to £20,000 per annum. These increased limits can be given to you once we have successfully verified your personal details.

Regardless of the account type you hold the minimum load amount is £20 and the maximum at any time is £500.

Limit Summary Verified Account Non-Verified (Restricted) Account
Maximum Total Balance Account £5,000 £750
Minimum load (per load) £20 £20
Maximum load (per load) £500 (£250 for SMS loads)  £500 (£250 for SMS loads)
Maximum loads per day 5 5
Annual load and spend limit £20,000 £750
Maximum cash withdrawal amount per day * £300 £300
Maximum cash withdrawals per day * 3 3

* Includes cash withdrawals from a Post Office branch or bank or quasi-cash purchases where available.


0330 & 0333: Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.

Small print

Post Office Money Card is issued by R. Raphael & Sons plc, pursuant to license from MasterCard International Incorporated. R. Raphael & Sons plc is a UK Bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, FRN 161302. You can check this on the Financial Services Register by visiting the website in new window or by contacting the Financial Conduct Authority (FCA) on 0800 111 6768. Registered Office: 19-21 Shaftesbury Avenue, London, W1D 7ED. Registration Number 01288938. MasterCard is a registered trademark of MasterCard International Incorporated. Post Office Limited is registered in England and Wales. Registration Number 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

Select a card to suit you and you're ready to sign up

Activate your new card and register for services

Can we help?

Report a lost or stolen card or make an enquiry:

0344 335 0759

If calling from abroad:

+44 207 272 1764 8am to 8pm Monday to Sunday
Open 24 hours a day to report lost or stolen cards.