Budget Card

Take control of your household budget by putting a little money aside regularly to cover a number of your bills.

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
  • 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
  • Pop in branch: use card to pay off a whole bill or just part of it

Budget card is issued by Bank of Ireland

Helping you to budget better

With the Budget Card you can’t go overdrawn, you won’t incur any fees or Budget Card 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 0845 0822 480 to hear your balance over the phone or view it online.

How it works

To be eligible for a Budget Card 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 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. 

Your money is protected by the Irish Deposit Protection Scheme. Find out how your savings are protected

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 numbers: Calls to 0800 numbers are normally free from a UK landline, but charges may apply from mobile phones. Calls may be monitored or recorded for training purposes.

0845 numbers: Call costs may vary depending on your service provider. Calls may be monitored or recorded for training purposes.

Post Office Services: You can use the Budget Card 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 No. 2154540. Registered Office, 148 Old Street, London EC1V 9HQ. 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

0845 082 2480

Read our FAQs

Online balance check

Check your Budget Card balance

View now

Handy Info

Download your Budget Card application form