Our longest balance transfer deal

Check if you're eligible for a Balance Transfer Card without affecting your credit score.

Provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.


Pay 0% on transferred balances for up to 32 months with 2.00% transfer fee*

  • Contactless payments
  • Pay nothing on purchases for the first 3 months
  • Pay no annual fee for the card
  • See if you're eligible before you apply – it won't affect your credit score
  • Manage your account anywhere, 24/7 with our safe, secure mobile app or through online servicing. 

Things to consider before you apply

*You'll need to transfer the balances within three months of your account opening. You may receive a shorter introductory period (26 or 18 months) an APR (21.9% or 24.9%) depending on your individual circumstances.

To keep these rates, make sure you stay within your agreed credit limit and make your minimum payment on time every month.

Representative example

Rep example

 

#

More features and benefits

Enjoy more with your Balance Transfer Card

As well as 0% on balance transfers for up to 32 months, you'll enjoy a host of other great benefits. 

  • Tap and pay with contactless – it makes low-value transactions quick and easy

  • Manage your account easily with our mobile app, online or on the phone

  • Use it worldwide – MasterCard is accepted in over 35 million places

  • No fee for Travel Money - when you pay with your card in a Post Office branch or online

  • Stay secure – MasterCard® SecureCode™ helps prevent online fraud

Our interest rates and fees explained

Be clear on the charges upfront

We want to be clear on the charges you can expect to pay with our credit cards. So here's a summary of the interest and fees that apply and when. Plus, ways you can avoid extra charges.

Our introductory offers

With our Balance Transfer Credit Card you'll pay:

  • 0% on balance transfers for up to 32 months

  • For every balance you transfer there's a fee of 2.00%

  • 0% on purchases for the first 3 months

 

To keep these rates, make sure you:

  • Transfer balances within the first 3 months

  • Stay within your agreed credit limit

  • Make your minimum payment on time every month


After the offer period

When the 0% periods end any outstanding balance will be charged at your standard variable rate.
New purchases will be charged at the standard variable APR.

What is an APR?

It's a way of showing what your borrowing will cost over the year, including interest and fees.
You can use it to compare products from different providers.

What is a representative example?

The example we've given above shows the APR (19.9%) and credit limit (£1,200) you might typically get on our Balance Transfer Card. But it’s just for illustration.

We'll base your actual APR and credit limit on factors like your circumstances, credit score and ability to pay back what you've borrowed.

What fees do we apply?

We try to keep fees to a minimum but sometimes we do need to charge them.

  • If you're late with a payment or go over your credit limit we'll charge £12
  • But there's no fee to have the card

 

You'll find a full breakdown of our fees in the Balance Transfer Card Summary Box.

Manage your account and spending 24/7

Manage your account with our Mobile App

Easy online servicing and mobile app

Wouldn't it be great to avoid waiting for your statements in the post, and having to deal with piles of paper?

With our mobile app you can tell us check your balance and transactions, make payments and set up or change Direct Debits at any time.

When you need more control - like access to your PIN or to transfer a balance - there's our full online servicing. Just sign up and acess it any time from a laptop or desktop.

 

Here's what you can do with them

• Check your balance
• View your transactions
• Make a payment
• Set up or change a Direct Debit
• See, download and print recent transactions^
• Transfer a balance^
• See your PIN^
• Update your contact details^

^With online servicing only.

Already an existing customer?

Manage your Post Office Money® Credit Card online or get the mobile app.

Find out how

Talk to someone
Customer Services:

0345 607 6500
8am-8pm, Mon-Fri
9am-5pm, Sat 
Closed, Sun
10am-5pm, Bank Holidays

Lost or stolen cards
If you need to tell us that your card has been lost, stolen or likely to be misused, then you should call us on 0800 169 2646 or +44 800 169 2646 if abroad. 

If we need to contact you about potential fraud on your account, we will do this via a secure channel including, but not limited to, SMS or Email.

Account Alerts
To help you manage your Credit Card,from time to time we will send you free alerts about your account. If you would like not to receive these alerts in the future please contact us.

You may request a copy of your Agreement at any time while your account remains open. 

Managing your borrowing

How a Balance Transfer Credit Card could help

If you pay using credit or store cards a lot, it's important to consider how you'll pay off any balances you already
have before taking on more debt.

As one of the UK's most trusted brands, you can count on Post Office to help you manage your money carefully. One way is with the Balance Transfer Credit Card.

If you're eligible, you can transfer existing balances to it and pay no interest on them for up to 32 months giving you
time to bring the balance down without it getting bigger.

Helping you manage your money

Some effective ways to reduce your debt and borrowing:

  • Keep balances on your credit cards low

  • Pay your bills on time – the minimum amount at least, more if you can

  • Set up regular reminders for payments you can't miss

  • Pay off your debt in full if possible – don't just move it around

  • Work to bring down your balance as quickly as you can

 

Need a different credit card?

Matched Card

The 2 in 1 card that's designed for balance transfers
and purchases or up to 25 months.

Platinum Card

The smarter way to spend at home and abroad – with up to 28 months on purchases and no fees on anything you buy abroad.

Important legal information

Credit is subject to status to UK residents aged 18 years or over.

Post Office Money® credit cards, personal loans and overdrafts are provided exclusively by Bank of Ireland (UK) plc. Post Office Limited is a credit broker and not a lender. 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.

Post Office Limited is registered in England and Wales. Registered Number. 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website (www.fca.org.uk).

FAQS

General

How does a credit card work?

A credit card is a form of payment that enables you to pay for goods and services in shops or online.  Once you have obtained a credit card, you have an agreed credit limit with your provider which is the maximum amount you can spend using the card.  You are required to pay off any balances on the card in full at the end of each month, otherwise you are charged interest on the amount outstanding on your account.  You can also use credit cards to transfer balances from other cards, and to withdraw cash. 

What sort of borrowing should you use a credit card for?

A credit card is designed to provide short term credit.  As such it is not suitable for long-term borrowing as it would be an expensive source of such credit.

Applying for a Credit Card

Will I need a credit check?

Yes. A credit check will be completed to ensure that the Post Office Money Credit Card you’ve applied for is right for you.  This search will be recorded by the agency we use and may impact your ability to get credit in the short term.

Details of the account, if opened, will be passed to Credit Reference Agencies and information about the running of the account such as the limit and balances as well as payment performance may be used by others.

Who do I contact if I do not receive my card?

Contact us on 0345 607 6500 straight away.

What can I do if my Post Office Money Credit Card application is declined and I would like to appeal?

If you would like to appeal our decision you may do so by calling our Customer Service Team on 0800 169 2000. You may be asked to provide additional information to support your appeal, although there is no guarantee that our original decision will be changed.

What is Fast Checker?

Fast Checker is a credit card eligibility tool. You can see how likely you are to be approved for a Post Office Credit Card without affecting your credit record by using our Fast Checker service. Find out more about Fast Checker

Security

What do I do if my card is lost or stolen?

If you think your card has been lost or stolen, you should tell us straight away by phoning 0800 169 2646 or +44 117 373 3865 if outside the UK. This service is available 24/7.

How will I know what my PIN is?

Your PIN will be sent to you after your card. Make sure you memorise it and destroy any record of it. Never tell anyone else what your PIN is. Don’t forget you still need to sign the back of your card. You can also view your PIN online after you register for online servicing.

Will I be able to change my PIN?

Yes. You can change your PIN at most MasterCard branded cash machines, but you'll need to know what your existing PIN is to be able to do this. If you've forgotten your PIN, you can view it online using our online servicing. Alternatively call us on 0345 607 6500 and we'll re-send it to you.

What happens if I forget my PIN or get it wrong?

You'll have 3 chances to enter your PIN correctly when you're trying to pay. If you enter it incorrectly 3 times in a row your PIN will be locked and you'll need to unlock it before you can use it again. To unlock it call customer services on 0345 607 6500. If you've forgotten your PIN, they can send you a new one by post.

Servicing your account

Can I manage my account online and over the phone?

Yes, there are three ways you can manage your account; through our mobile app, online and over the phone.

How can I pay my Credit Card bill?

The easiest way to make your Credit Card payments is to set-up a Direct Debit. You can set up a Direct Debit through our mobile app, your online account or by calling us on 0345 607 6500. You can also pay via our mobile app, online servicing, by post, at a Post Office branch, or if you use phone or internet banking with your Bank or Building Society.

How often will I receive a statement?

We will send you a statement every month unless there have been no transactions during that period and you do not owe anything. If you registered for papereless statement through our online servicing, you will get an email every month telling you when your statement is ready to view.

Can I get help if I get into financial difficulty?

If you do get into financial difficulty, it’s important that you let the Customer Service Team know as soon as possible so they can take steps to help.  You can call them on 0345 607 6500.

Where can I get independent financial advice?

The following organisations offer completely independent financial advice:

The Financial Service Authority’s Money Advice Service

moneyadviceservice.org.uk

Citizen’s Advice Bureau

citizensadvice.org.uk

Consumer Credit Counselling Service

cccs.co.uk

The National Debtline

nationaldebtline.co.uk

Servicing your account through our mobile app

What services are available through the Post Office Money Credit Card mobile app?

Post Office Money Credit Card mobile app is designed to help you manage your credit card account in a way that is convenient to you. It currently allows you to;

  • View your current balance, credit limit, amount available to spend, minimum payment and payment due date
  •  Make a payment
  •  View your recent and historic transactions
  •  Set up and amend a Direct Debit 

Do I need to register for Post Office Money Credit Card mobile app?

Yes. To register for the app once you’ve downloaded it from the App Store or Google Play you’ll need to enter a few details.  All you need to do is enter your Date of Birth, Postcode and Mother’s Maiden name, and also your Post Office Money Credit Card number and expiry date.  Other than that, you only need to setup a passcode and enter an activation code and you’re done!

Is my app free to use?

Yes. Your mobile app is free to download and use.  Charges from your mobile network may apply, so please remember this – especially when you’re abroad.

Is my app secure?

Your app is protected by your passcode, which is unique to your mobile device.   For an extra layer of security, as your passcode is specific to your mobile device, anytime you change or upgrade your mobile phone you will need to re-register for the app. 

The app will automatically log you out after 2 minutes of inactivity to ensure your data is kept secure. It will also automatically log you out each time you exit your app. Besides this, you should:

 

  • Always lock your phone or keypad
  • Never share your passcode
  • Never respond to texts that you haven’t requested

What if I lose my phone?

Access to your app is protected by your passcode, so without this your account is secure. If you ever leave your phone unattended, your app will automatically time out after 2 minutes of inactivity.  If you would like some added peace of mind, you can contact us on 0345 607 6500 and we can block your app on a particular mobile device. 

To use your app on a new device, please download it as before and complete the registration process, setting up a new passcode unique to that device – simple.

Is my balance up to date?

All your transactions show the time and date they were last updated.  Sometimes, they can take time to reach us so might not show straight away. 

Also, because you're using a mobile network, your data connection may occasionally be lost. Rather than cutting out, your app will continue to display the most recent data it has.

So the available funds shown might not be exactly up to the minute, but if you have an available data connection your app will never be more than 30 minutes out of date. You can see how up to date the information is from the date and time at the bottom of your screen.

Servicing your account online and over the phone

How do I manage my account online and over the phone?

Once you receive your card, you will be able to register for online servicing to access your account online. Registration is simple and won't take more than a few minutes. Details on how to register will be sent to you with your card. You can also manage your account over the phone by calling us on 0345 607 6500 or by registering for our free mobile app.

Securecode

What is MasterCard® SecureCode™?

MasterCard SecureCode service provides you with increased security when shopping online using your Post Office Money Credit Card. MasterCard® SecureCode™ allows you to add a personal security password to your existing Post Office Money Credit Card which you then use to validate each online transaction. This helps to protect you from unauthorised use when shopping online.  Please make sure you read and agree to the Terms of Use, as activating the service indicates you have done so.

How does MasterCard SecureCode work?

When you purchase online, MasterCard SecureCode issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as site name, purchase amount and date. You sign the receipt using your personal SecureCode password and click 'Submit' to proceed with the purchase. Without your SecureCode password, the purchase cannot take place. Please note not all transactions will require your MasterCard SecureCode

What is the Card Security Code (CVC2)?

The Card Security Code (CVC2) is the last three digits that appear on the back of your card, on the signature panel. It is used as an extra security measure to make sure you are in the possession of the card when transacting online or activating the card.

What do I do if I have problems during the activation process?

You can contact us on our Post Office Money Credit Card customer service line on 0345 607 6500. We will be happy to assist you with any problems and answer any questions you may have.

Can I purchase at online retailers that do not participate in the MasterCard SecureCode service?

Yes. However you will not be able to use MasterCard SecureCode. To complete the purchase at such online retailers, simply follow the regular checkout process.


Using your Card

What is a Contactless payment?

Contactless is a fast, easy and secure way to pay for goods and services under £30 without entering a PIN. To make a payment, all you have to do is follow the instructions on the terminal and place your contactless card over the contactless reader.

Is there a charge when I make a purchase overseas?

There are different charges depending on which Post Office Money Card you hold. No charge is applicable when using our Platinum Card, but our Balance Transfer and Matched Card customers will be charged a fee of 2.99%. When you use your card overseas your payment will be converted into sterling at the rate determined by Mastercard exchange rate.

Is there a fee when I purchase Post Office Money travel money with my Post Office Money Credit Card?

There is no fee when you use your Post Office Money Credit Card to purchase Post Office Money travel money. You can purchase Post Office Money travel money in a Post Office branch or online.

Do I get charged a fee for cash advances?

When you withdraw cash, you will be charged 2.5% of your withdrawal or £3, whichever is greater. There is also no interest free period on cash, so you will be charged interest even if the account is paid off in full.

Get our longest balance transfer deal!

Apply online

It takes just a few minutes. And you'll get an instant decision.

Existing customers

Report card lost or stolen:

24 hours a day

0800 169 2646

0800 169 2646

Help

Application queries

Mon-Fri: 8am-8pm, Sat: 9am-5pm

Closed Sun, Bank Holidays 10am-5pm

0800 169 2000

0800 169 2000