Post Office Card Account

An easy way to receive state pensions, benefits and tax credits without a bank account

The Post Office card account is made especially for receiving pensions, benefits and tax credit – perfect if you don’t have a bank account

Key benefits

  • No overdraft and no charges
  • No credit checks
  • Take cash out and check your balance

How it works

To get an account set up, you’ll need to contact the government department that pays your pension, benefits or tax credits. Just let them know you’d like to open a card account with us.

Once we’ve opened your card account, you’ll start receiving payments straight into the account.

You'll be able to take your cash out or check your balance at any Post Office branch.

Don’t worry, there’s no overdraft facility to worry about – and if you need someone else to collect your money for you, we can sort you out with a second card.

For information about pensions, tax credits or benefits being paid into a bank or building society account please visit

Post Office card account is offered by J.P. Morgan Europe Ltd.

For more information about Pensions, benefits or tax credits visit the GOV.UK website

Read or FAQs

Can we help?

For general enquiries call:

0345 722 3344 8:15am-6pm, Mon-Fri
8:30am-7:15pm, Sat
Closed Sun

Or Typetalk:

0345 722 3355

Or use your card account in branch