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Using your Post Office Credit Card abroad.

Post Office Credit Cards are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender.


Keep track of your spending

Running out of money (or going over your credit limit) can be a nightmare, especially in a foreign country. To help you keep track of what you’re spending in British pounds you can view your account through online servicing or we have created a special Credit Card Mobile Servicing AppPlease check for international data charges with your mobile phone provider before you travel.

Using your card abroad

As you prepare to set off on holiday, make sure you’re up to speed with these essential steps for using your card:

  • Before you travel, please check that we have your correct mobile number or email address in case we need to contact you while you are abroad. We may need to contact you quickly if we have to confirm whether any transactions are genuine. Please also make a note of the following number, so that, in the event that your card stops working and you haven’t received a text or email, you can speak to a member of our Card Security team: 00 44800 1217805.


  • We no longer need you to tell us before you travel abroad, as we will contact you if we see suspicious transactions on your account.


  • Know your PIN. With so many PINs and passwords to remember, it’s easy to get mixed up. Make sure you know your Credit Card PIN before you go away. If you’ve forgotten it you can view your PIN by logging into your online account or call our Customer Services team on 0345 607 6500 and we'll send you a reminder.


  • Don't miss a payment while you're away. The easiest way to make sure you always pay your bill on time is by setting up a Direct Debit. Log in to your online account or our Credit Card Mobile Servicing App to set this up, or just give our Credit Card Customer Service Team a call.


  • Find out about Dynamic Currency conversion. Sometimes, retailers and ATMs will give you the option to pay in either the local currency or pounds sterling. It should always be performed with your consent. Choosing to pay in pounds could mean you are charged additional fees.


  • Find out what charges are applicable for using your credit or debit cards abroad. Some providers may charge you a non -sterling transaction fee, which is a fee charged to any purchase or cash advance that occurs in a currency other than sterling.


Your local travel experts

Post Office is here to make your travels easier. We look after all the essentials – like passports, insurance and money – so that you can concentrate on getting the most out of your time away. Our travel experts can help you with:

Passports – Whether you’re renewing or getting your first passport you can pick up a passport form from one of our branches. Top tip: use our Check & Send service to make sure you’ve filled in all the forms correctly first time.

Travel money – Order your travel money using your Post Office ® Credit Card with no cash fees, either online or in our branches.

EHIC card – If you’re travelling in Europe, this free European Health Insurance Card (EHIC) means that you receive state healthcare in EEA countries (and Switzerland) at a reduced cost (or sometimes free). You can apply for your card via the online EHIC application form.

Credit Card charges

Make sure you’re aware of any credit card charges before using your card overseas, so you don’t get a surprising bill when you get back. Take a look at our table below which shows you the cost of using our cards abroad.

  Platinum Card Matched Card and Balance Transfer Card
Overseas Transaction Purchase Cash Advance Purchase  Cash Advance
Euros €100 €100 €100 €100
Exchange Rate 0.887918 0.887918 0.887918 0.887918
Sterling Amount £88.79 £88.79 £88.79 £88.79
Non-Sterling Transaction Fee 0% 0% £2.65 (2.99%) £2.65 (2.99%)
Cash Fee subject to a £3 minimum Charge n/a £3.00 (2.5%) n/a £3.00 (2.5%)
Total £88.79 £91.79 £91.44 £94.44

Information correct as at 03/06/2019.

The table above is an illustrative example based on an exchange rate of 0.887918  and a €100 spend.

The exchange rate used is a sample rate provided by MasterCard. The actual rate applied will be the daily MasterCard exchange rate. This is the exchange rate set by MasterCard, from time to time, as shown, where applicable, on your statement.

MasterCard exchange rates can be found at mastercard.com/global/currencyconversion

The rate that appears on your statement will be calculated according to the prevailing rate at the time the transaction is made.

Overseas purchases

We don't charge a non-sterling transaction fee to customers using our Platinum Card overseas, and we charge 2.99% for customers using our Matched and Balance Transfer Cards.

Cash fees
If you use your Post Office Credit Card to take money out at an ATM overseas, you will be charged a cash fee of 2.5% and a higher interest rate of 27.9%. The ATM provider may apply additional fees and cash withdrawal limits.

Call Charges

0800: Calls to 0800 numbers are normally free from UK landlines and mobile phones. Calls may be monitored or recorded for training and compliance purposes.

0345: Calls cost no more than calls to geographic numbers (01 or 02). Calls from landlines and mobiles are included in free call packages. Calls may be monitored or recorded for training and compliance purposes.

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.

Small print

Post Office ® credit cards, are provided by Bank of Ireland (UK) plc. 

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 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).

Can we help?

Customer Services:

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

Report your card lost or stolen

0800 169 2646 Open 24 hours a day

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