Christmas Club

You can spread the cost of Christmas throughout the year and top up your Christmas Club card by as little as £2 every week. From the 1st November you will be free to use your Christmas Club card in over 17,000 of the UK's leading retailers

Key benefits

  • Easy way to save: add from £2 to £1,000 to your account over the course of the year
  • Convenient to use: buy stocking fillers or big gifts using your club card at thousands of retailers

The Post Office Christmas Club is issued by Bank of Ireland

The money on your Christmas Club Card is protected by the Irish Deposit Guarantee Scheme.

How it works

Anyone over the age of 18 who lives in England, Wales, Northern Ireland or Scotland can join the Christmas Club.

  1. Apply
    Simply download  and print an application form, fill it in  and take it into any Post Office branch (along with two forms of ID that are listed on the form).
  2. Save
    Once your card is activated, you can put aside as much or as little as you like up to the total value of £1,000 (in multiples of £1, minimum load £2), as often as you like, by popping in to any Post Office branch. Don’t forget to keep a track of your balance by updating the balance calculator – simply print out a copy and keep it in a safe place.
  3. Buy
    At the end of October we’ll write to you to let you know how much money you have put away, and from 1 November until 31 January the next year, you’ll be able to spend your club money by using your card at participating high street stores. Alternatively you can use your Christmas Club card to buy One4all Gift Card as Christmas gifts for your loved ones.

Where to spend?

Here are some of the places you can use your Christmas Club card.
Search for a retailer in your area and to see more retailers

christmas club logos

For a full list of participating retailers please click here

Sensible saving

You can keep track of your progress and check the balance of your card whenever you want. Just call 0330 828 0881 to hear your balance over the phone, or view it online here.

Completely safe

If you lose your card or it’s stolen and you let us know, 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 Christmas Club card and the details of it safe, including the card number. For Terms and Conditions click here.

More about the Christmas Club card

The Post Office® Christmas Club card is issued by Bank of Ireland. It is a prepaid card which means that money must be loaded onto the card and used via participating retailers. Interest will not be payable in respect of card balances.


0330 & 0370: 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.

One4all Gift Card: There is no purchase fee when you purchase your One4all Gift Card at your local Post Office® branch. There is a 99p fee (including postage) for online purchases. There are some additional fees that apply in certain circumstances. See full terms and conditions. 

We’ve tried to make the Christmas Club card affordable for all, that’s why there are no fees for maintenance or usage.

Type of transaction Amount of Fee
Card issuance fee Nil
Card maintenance fee Nil
Lodgement fees Nil
Card usage fee at retailers or Post Office Nil
Card Replacement Fee (if the card is lost or stolen and we issue a replacement card at your request) £5 per card
Redemption fee £5 per card



Join the Christmas Club

Join 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.

Can we help?

Report your card lost or stolen, call:

0370 085 4141

For balance enquiries, call:

0330 828 0881

Online balance check

Check your Christmas Club card balance

View now