Budget Card Plus

Take control of your household budget by putting a little money aside regularly to cover your household bills and spread the cost of Christmas and other gifting occasions.

Key benefits

  • Save what you can: put between a minimum £2 and maximum £250 in multiples of £1 up to the annual limit on your Budget Card Plus
  • Save up to a maximum of £1,500 every year: and, from 24 hours after putting money on the card, you can use it to pay for bills including Post Office services like your car tax, travel insurance or One4all Gift Cards
  • Shop in 17,000 outlets nationwide between November and January. For a full list of participating retailers, please click here

Budget card is issued by Bank of Ireland

Helping you to budget better

With the Budget Card Plus you can’t go overdrawn, you won’t incur any fees or Budget Card Plus charges when you use it and because you’ve put your money aside, you won’t be tempted to spend it. You can check the balance of your card whenever you want, just call 0330 028 0881 to hear your balance over the phone or view it online.

How it works

To be eligible for a Budget Card Plus you’ll need to be over 18 and live in England, Wales, Northern Ireland or Scotland.

  1. Apply Simply download and print out an application form, fill it in and take it into any Post Office branch (along with two forms of ID from the list on the form).
  2. Save We’ll give you your Budget Card Plus straight away, so you can use it to start saving.
  3. Pay When you’re ready to pay for a bill or a service, bring your card into your local branch. We’ll swipe it, take the money off it and ask you to sign the receipt as an extra security measure. And when you want to spend your Budget Card Plus card in one of our retail partners between November and January simply hand it in when shopping. Ensure you know your account balance before going shopping. You can now convert your Budget Card Plus into an Amazon.co.uk Gift Certificate claim code. To shop online at www.amazon.co.uk however you must use your card to buy an Amazon.co.uk Gift Certificate claim code here.

Your money is protected by the Irish Deposit Protection Scheme. 

The card is safe

If you lose your card or it’s stolen just let us know and we’ll stop the card. You won’t lose any of your money but you will have to pay £5 for a replacement card. We recommend you keep your card and the details of it safe, including the card number.


0800: All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

0345: 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.

Post Office Services: You can use the Budget Card Plus for: car tax, and other vehicle tax, gas, electricity and telephone bills, council tax and council rent payments, catalogue payments, TV rental, Post Office Home phone & Broadband, Post Office Travel insurance, Post Office Credit cards and One4al Gift Cards. You won’t be able to use it for Travel money, Travellers cheques, Postal orders or MoneyGram®.

Want to start budgeting better?

Apply now

Small print

Bank of Ireland is authorised by the Central Bank of Ireland and the Prudential Regulation Authority and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.  Details about the extent of Bank of Ireland's authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from Bank of Ireland on request.

Bank of Ireland is incorporated in Ireland with Limited Liability. Registered Office, Head Office, 40 Mespil Road, Dublin 4.Post Office Limited is registered in England and Wales. Registered Number 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office and the Post Office logo are registered trade marks of Post Office Limited.

Get your Budget Card

Download an application form, fill it in, print it and bring it in branch.

Download now

Can we help?

Request an application pack

Call us

0800 316 0586

8.15am-6pm, Mon-Fri

8.30am-12pm, Sat

For balance enquiries

Call us

0330 028 0881

Read our FAQs

Online balance check

Check your Budget Card balance

View now

Handy Info

Download your Budget Card application form