Money Card

Lady holding a money card

Control your cash with the card that anyone can own. You don’t need a credit check or even a bank account – and you can use your Money Card in millions of places where MasterCard® is accepted.

Load your Post Office Money Card with your cash and spend it where you like. It’s a prepaid MasterCard® card that you can use just like a debit card – on the high street, on the phone, or online.

Get your Money Card now

  • everyone can have one: no credit checks, no need for a bank account – any UK resident over 18 can have one (with ID)
  • safer than cash: your money’s protected if your card gets lost or stolen
  • add money when you want: manage your account 24/7 online, via SMS or at any Post Office branch
  • use it everywhere: spend your money in millions of shops and restaurants or withdraw cash from ATMs– just like your debit card
  • free to load: at any Post Office and online

How it works

Simply load your card in any branch, online or via SMS and you’ll be able to use it to spend on the high street, online or withdraw cash from an ATM’ Choose from 2 tariffs:

  Pay as you Go Pay monthly
Best for Occasional use Frequent use
  • One-off setup fee of £9.95.
  • No monthly fees.
  • Usage and transaction fees apply.
  • No setup fee.
  • Flat monthly fee: £4.95
  • No transactional fees in UK (other fees apply).

Start using your Post Office Money Card in 3 simple steps

Once your Money Card is loaded up with cash, you can use it anywhere you’d use a MasterCard. It couldn’t be easier or safer – there are no credit checks so everyone can get one.

Get your Money Card up and running in 3 easy steps…

  1. Apply online or in a Post Office branch
    To apply for a Money Card, you just need to be a UK resident who’s over 18. You’ll need to show a passport or UK driving licence for ID. Please be aware that only debit cards are accepted as payment online. Cash and debit cards are accepted in branch.
    You can apply for your card online or in selected branches. Get your Money Card now
  2. Choose your tariff and load your card
    You can load your card with between £20 and £500. Choose between 2 tariffs:
    Pay as you Go, for occasional use
    Pay Monthly, for frequent use
    See full details of cards and tariffs here
  3. Activate your card
    Once we’ve posted you your Money Card, follow the simple instructions in your welcome letter to activate your card. You can do this by sending us a text.

Top up your card or check your balance online, via SMS or phone

Manage your card 24/7 whenever and however suits you best – using our website, our SMS service or our automated phone line…

On our website…

You can top up your card, see your last 6 months’ transactions and check your balance 24/7. See also our FAQs and full terms & conditions.

Via SMS…

You can activate your card or get a PIN reminder. To top up your card or check your balance, send a text and get your answer in seconds. (We’ll need a mobile number from you, of course.)

On the phone…

Get your PIN, hear recent transactions or check your balance using our automated phone line.

Got a question?

For all other queries read our FAQs, or contact our UK based contact centre is open 8am-8pm, 7 days a week.

Lost or stolen card?

You can report your card lost or stolen 24/7.

Branch card?

Subject to passing our verification checks you will be able to increase your maximum load for £750 to £20,000 per annum, this is limited to £5,000 at any time. Please see the terms and conditions for full details regarding limits on your account.

Money Card Fees

FEE SUMMARY 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
Annual fee N/A N/A  
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  
Online account management – 24/7 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 fee1 £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 an Account for 12 months

See section 9 of the terms and conditions for the card limits

Get your card Order now

Small print

The cards are 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 (registration number 161302). Registered office at Albany Court Yard, 47/48 Piccadilly, London W1J 0LR, company registration number 01288938. Post Office and the Post Office logo are registered trade marks of Post Office Limited. Post Office Limited is registered in England and Wales. Registered No. 2154540. Registered Office: 148 Old Street, London EC1V 9HQ.

Ready to order?

Get your card

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Register your card

To get full access to the website


Existing cardholders

Load your card

Check balance

Can we help?

Report a lost or stolen card or just contact us with a general enquiry, call:

0844Call costs may vary depending on your service provider. Calls may be monitored or recorded for training and compliance purposes. 335 0759

If calling from abroad:

+44 207 272 1764

Read our FAQs