Representative example


Check if you're eligible for a Balance Transfer Card without affecting your credit score.
Pay 0% on transferred balances for up to 32 months with 2.00% transfer fee*
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.
Use our simple Fast Checker. It won't affect your
credit score.
It takes just a few minutes and you'll get an instant
decision.
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
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.
You'll find a full breakdown of our fees in the Balance Transfer Card Summary Box.
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.
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.
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
The 2 in 1 card that's designed for balance transfers
and purchases or up to 25 months.
The smarter way to spend at home and abroad – with up to 28 months on purchases and no fees on anything you buy abroad.
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).
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.
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.
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.
Contact us on 0345 607 6500 straight away.
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.
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
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.
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.
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.
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.
Yes, there are three ways you can manage your account; through our mobile app, online and over the phone.
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.
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.
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.
The following organisations offer completely independent financial advice:
The Financial Service Authority’s Money Advice Service
Citizen’s Advice Bureau
Consumer Credit Counselling Service
The National Debtline
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;
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!
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.
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:
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
It takes just a few minutes. And you'll get an instant decision.
Application queries
Mon-Fri: 8am-8pm, Sat: 9am-5pm
Closed Sun, Bank Holidays 10am-5pm