Standard Account



A straightforward current account that offers free everyday banking with no hidden charges.

Want to open an account?

To find your nearest branch where you can open a Post Office Current Account, click here.

If you are an existing Standard Account customer and want to upgrade to a Packaged Account please click here for more information.

Standard Account is provided by Bank of Ireland UK

Key benefits

  • Free everyday banking with no nasty surprises
  • Debit card, cheque book and a competitive overdraft 14.9% EAR
  • Manage your account: online, over the phone or in any of our 11,500 branches
  • Switching is easy and is backed by the Current Account Switch Guarantee

Important information on overdrafts

Representative example: Based on an overdraft limit of £1,200 used in full for a three-month period where the variable rate of interest is currently 13.97% per annum, the total charge for credit would be £41.91.

The amount is for illustrative purposes only and the Equivalent Annual Rate (EAR) for comparison purposes is 14.9% EAR (variable).

Right for you

  • You want free everyday banking with no hidden charges
  • You want to be able to set up standing orders and Direct Debits
  • You'd like the option of applying for an overdraft when you need it
Try something else
  • You'd like to receive additional benefits with your current account such as European travel insurance, breakdown cover and identity theft protection
  • You’d like the certainty of no default bank charges in exchange for a small fixed monthly fee
  • You don't want a debit card and only need a cash card to manage your money

If this isn't the right current account for you, take a look at our Control current account.

Definitions

0845: Calls to 0845 numbers may be charged at up to 5p per minute from a fixed line and calls from mobiles can be considerably higher. Calls may be monitored or recorded for training and compliance purposes.

EAR: Equivalent Annual Rate (variable). The EAR is an illustrative interest rate calculated on the assumption that any overdraft interest charged is added to the overdraft balance at the time and then the next interest charge will be based on that slightly higher overdraft balance. This rate assumes that interest is charged monthly and compounded 12 times in a year.

Current Account Switch Guarantee: Industry backed initiative designed to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way in only 7 working days. For more information go to www.simplerworld.co.uk



A Post Office Standard Account offers free everyday banking with no hidden charges. As long as you have sufficient funds in your account you won’t pay anything for:

  • Paying by cheque
  • Paying by standing order
  • Paying by Direct Debit
  • Using your Post Office debit card for withdrawing cash from ATMs in the UK (however, some cash machine providers charge for their service so always check)
  • Making payments using your debit card in the UK
  • Paying in and withdrawing cash in Post Office branches

Charges do apply to certain transactions and services we offer, see our full guide to fees and charges (PDF 1.45Mb).

Overdraft interest

Charges Standard Account Packaged Account Control Account
Overdraft (subject to status and lending criteria) 14.9% EAR 14.9% EAR No overdraft available

A Post Office Standard Account offers free everyday banking with no hidden charges. As long as you have sufficient funds in your account you won’t pay anything for:

  • Paying by cheque
  • Paying by standing order
  • Paying by Direct Debit
  • Using your Post Office debit card for withdrawing cash from ATMs in the UK (however, some cash machine providers charge for their service so always check)
  • Making payments using your debit card in the UK
  • Paying in and withdrawing cash in Post Office branches

Charges do apply to certain transactions and services we offer, see our full guide to fees and charges (PDF 1.45Mb).

Overdraft interest

Charges Overdraft (subject to status and lending criteria)
Standard Account 14.9% EAR
Packaged Account 14.9% EAR
Control Account No overdraft available


When you apply you will be asked for a form of ID and proof of address. Here are the documents we accept – please bring the original plus a photocopy of one from each list with you, in case you need them.

You’ll see the ID is to prove your name - your document must show your full name, not just your initials. Then the proof of address is to validate where you live. Please note the same document cannot be used for both ID and proof of address.

Forms of ID

  • Current signed UK/EU passport (no more than 10yrs old)
  • Current full UK/EU photo card driving licence (no more than 10yrs old)
  • Current full ‘old style’ UK driving licence (no more than 51yrs old)
  • Current provisional UK photo card driving licence (no more than 3yrs old)
  • DWP correspondence (or other Benefits Agency) e.g. Pension/Allowance benefit (dated within last 13mths)
  • Tax coding notice/assessment (dated within last 13mths)
  • Current EU National Identity Card (photo card)
  • Current UK Police Force warrant card
  • Current Electoral ID card (Northern Ireland only)
     

Proof of address

  • Utility bill i.e. gas, electricity, water, telephone (excluding mobile), cable services, satellite TV (dated within last 6 months)
  • Bank, building society, mortgage, credit card statement or credit union statement (dated within the last 6 months). Printouts of online statements aren’t accepted
  • Current full UK/EU photo card driving licence (no more than 10yrs old)
  • Current full ‘old style’ UK driving licence (no more than 51yrs old)
  • Current provisional UK photo card driving licence (no more than 3yrs old)
  • DWP correspondence (or other Benefits Agency) e.g. Pension/Allowance benefit (dated within last 13mths)
  • Local Authority correspondence e.g. Rates/Council Tax (dated within last 13mths)
  • Correspondence from HMRC / Revenue Commissioner e.g. tax coding notice (dated within last 13mths). P60s & P45s aren’t accepted
  • Electoral register search through a credit reference agency  
     


  1. Find your nearest branch
    Current Accounts can only be opened at specific Post Office branches. Click here to find your nearest branch.
  2. Apply Pop into one of our account-opening branches and fill in an application form. We’ll process it while you wait and aim to open your account there and then. You’ll need to be 18 or over, a UK resident and able to open your account with a £20 deposit.

    You will need to provide a form of ID and proof of address so please bring these with you. You'll need to provide one item from each of these lists  We are unable to accept any documents that do not appear on these lists. Please bring both photocopies AND the originals of the documents.
  3. Application Before we open an account for you we will perform a credit reference agency search. This will allow us to verify your identity (we're legally required to do this) and help us decide whether we can offer you an account. A record of our search will be kept on your credit reference agencies records and this could affect your ability to obtain credit elsewhere within a short period of time.
  4. Start your day-to-day banking You’ll receive your welcome letter, cheque paying-in card and then your debit card and details of how you can make the most of your Standard Account. We’ll send your card PIN separately.

Want to switch your account?

We aim to make it as easy as possible to switch your current account to us and we’re delighted to offer our Current Account Switch Service which is backed by the industry-wide Current Account Switch Guarantee.

Through our full Current Account Switch Service we will:

  • Move all payments in and out of your old account to your new Post Office account
  • Move any remaining credit balance from your old account to your new Post Office account
  • Close your old account
  • Complete your switch in 7 working days and on a date of your choice

The Current Account Switch Guarantee ensures your current account will switch on a day of your choice, your payments will be automatically transferred and redirected to your new account, and in the unlikely event anything goes wrong with your switch, we will refund any interest and charges (incurred on your old or new current accounts) as a result of this failure as soon as it is brought to our attention.

We also offer a partial Post Office Switch Service through our dedicated switching team. With this service you can choose which payments to move across and can keep your old account open.

You can start your switch either when you open your Post Office current account or at any time after it’s up and running. Please download our handy Switching Service guide Switching Service guide or to request the switching forms to be sent to you please call 0845 266 8977.

Definition:

Current Account Switch Guarantee: Industry backed initiative designed to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way in only 7 working days. For more information go to www.simplerworld.co.uk

Small print

Post Office current accounts are provided by Bank of Ireland (UK) plc.

Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885), Bow Bells House, 1 Bread Street, London EC4M 9BE. Post Office Limited is registered in England and Wales. Registered No 2154540. Registered office is 148 Old Street, London EC1V 9HQ. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

Post Office Limited (POL) works with Bank of Ireland Group to provide financial services products to POL customers. In relation to credit cards, mortgages, personal loans and overdrafts, POL works exclusively with companies in the Bank of Ireland Group for the provision of credit.

Existing customers

Already have a Post Office current account?

Login to online banking Login to Packaged Account benefits

Can we help?

Already got our Current Account? Call:

0845 266 8977

8am-10pm, Mon-Fri

8am-6pm, Sat

10am-5pm, Sun & Bank Holidays

 

Please note: this telephone number is only for current account queries. For information on Post Office Card Account:visit the product page

Ready to switch?

We can arrange a switch from your existing accounts to one of our current accounts