2 in 1 ideal for purchases and balance transfers

Check if you're eligible for a Matched card without affecting your credit score.

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

0% on purchases and 0% on balance transfers for 25 months with 2.89% transfer fee*


  • Contactless payments
  • Buy Post Office Travel Money with no fee
  • 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 an APR of 23.9% 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.

Illustrated representative example


More features and benefits

Enjoy more with your Matched Credit Card

Along with 0% on purchases and 0% on balance transfers for your first 25 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 servicing 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.

Manage your account and spending 24/7

Manage your account with our Mobile App

Easy online servicing and mobile app

It’s easy to make payments, set up Direct Debits and track your spending – any time of the day, wherever you are in the world.

Use online servicing for complete control of your account information and settings from a laptop or desktop.

Our mobile app lets you check your balance, make a payment and set up or change Direct Debits on the go using your smartphone or tablet.

Here's what you can do with your account online

• 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 Service:
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. 

Our interest rates and fees explained

Be clear on the charges

Here's a summary of the interest and fees, when they apply and how you can avoid extra charges.

Our introductory offers

With our Matched Credit Card you'll pay:

  • 0% on purchases for the first 25 months

  • 0% on balance transfers for the first 25 months

  • For every balance you transfer there's a fee of 2.89%

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 your 0% period ends 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 Matched 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

  • There is no fee to have the card

You'll find a full breakdown of our fees in the Matched Card Summary Box

Managing your borrowing

How a Matched Credit Card could help

Credit cards can be a convenient way to borrow money in the short term. If you’ll use yours to pay for goods or services, look for a card with a long period of 0% interest that helps manage the cost.

As one of the UK's most trusted brands, Post Office could help you manage your money. With our Matched Credit Card, you'll pay no interest on balances you transfer for 25 months. But you still get the flexibility to buy what you need with the same 25 month interest-free period

Helping you manage your money

Some effective ways to reduce your debt and borrowing:

  • Keep balances on your credit cards low

  • Making payments on time – the minimum amount at least, more if you can

  • Paying off your debt in full – not just moving it around

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


Need a different credit card?

Balance Transfer Card

Transfer your store and credit card payments for up to 32 months.

Platinum Card

The smarter way to spend at home and abroad-  up to 28 months on purchases and no overseas transaction fees. 

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).

Our 2 in 1 Matched Credit Card

Apply online

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

Existing customers


Application queries

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

Closed Sun, Bank Holidays: 10am-5pm

0800 169 2000

0800 169 2000