An Post current account review

Want to get rewarded for your everyday spending? The An Post Money Current Account does just that and helps you manage your finances even better.

If you are looking for a new current account that helps you manage your money and rewards you for spending, the An Post Money Current Account is worth considering.

Read on to find out how this account works so you can decide if it’s the right choice for your financial needs.

5 €

Maintenance fee

0.60 €

ATM fee


Foreign transaction fee


Product NameAn Post Current Account
Fee periodMonthly
Maintenance fee5 €
Account TypeCurrent accounts
Online account onlyNo
Supported currencies


More Info

An Post is Ireland’s state-owned postal service company with close to 1,000 post offices around the country. Aside from its universal postal services, An Post provides insurance and money products such as bank accounts, credit cards and foreign currency. Here we take a closer look at its current account.

How does the An Post Money Current Account work?

The An Post Money Current Account works like any other current account you can find at traditional banks, but with a few differences.

It enables you to take control of your spending and savings thanks to two wallets that you can use to set aside money, and you can earn money back each month for transactions with An Post’s partners.

With the ability to separate money from your main account for better budgeting and earn some extra cash, this account has been praised by consumer advocates and is classed as a gamechanger among current accounts in Ireland.

Key features

The two main features that make the An Post Smart Current Account stand out against competitors are the “get money back” and the “handy savings wallets”.

Get Money Back

Thanks to An Post’s partnerships with various businesses around Ireland, you can earn money back on a range of purchases including clothing, leisure, holidays, groceries and bills.

You can earn between 5-10% cashback on transactions with:

  • Lidl
  • An Post insurance
  • SSE Airtricity
  • Intersport Elverys
  • Supermac’s
  • Sunway

There is no need to keep track of what you’ve spent and where, as the An Post Money Current Account calculates a running total of your transactions with these businesses. You’ll receive a credit to your account at the end of the month following the month the transactions were made. For example, if you earn €50 back in June, you’ll get this money on the last working day of July.

Some restrictions apply for certain partners, but there is no limit to what you can earn. An Post advertises on its website that customers have been earning up to €200 back each month.

Handy Savings Wallets

Rather than having a separate savings account, your An Post Money Current Account comes with two mini savings wallets that you can transfer money to and have better control of your finances. You could use one wallet for savings towards a holiday and the other for your rent and utility bill money, for instance.

Your wallets are managed either through an app or online, and once money is in a wallet, it is not accessible for withdrawals from your main account. You can set up regular transfers from your main account and even have direct debits set up to be paid directly from a wallet.

The An Post Money Account also has the following features:

  • Account alerts. Each time there is a transaction on your account you can receive an alert either by SMS, email or online. You can choose what kind of transactions you wanted to be notified about, such as when you get a credit, a direct debit goes out or if a payment has failed.
  • Emergency cash. If your card is lost or stolen, you can stop in at any post office during opening hours and get up to €200 emergency cash as long as your account has credit to this amount.
  • Different ways to access your money. You can access your account either online, at an ATM or by visiting one of over 900 post offices across Ireland.
  • Mastercard debit card. With a Mastercard debit card, you have the freedom to use your account all around the world at ATMs, stores and for online purchases. You can also make contactless payments making shopping that little bit faster.
  • Use the app. Manage your finances from the palm of your hand by downloading the free An Post Money Current Account app.
  • Google PayYou’ll be able to use Google Pay, Apple Pay and FitBit Pay to make payments from your An Post Money Current Account.

Fees and rates

Some accounts’ fee structures can be complicated, but the An Post Money Current Account keeps things simple. While there’s one monthly fee that covers most of your daily transactions, there are also these fees and charges to be aware of:

  • Monthly maintenance fee: €5
  • ATM withdrawal fee: €0.60 per withdrawal
  • Daily ATM withdrawal limit in Ireland: €600
  • Post office cash withdrawals fee: One free cash withdrawal each week then €0.60 per withdrawal thereafter
  • Daily Post office withdrawal limit in Ireland: €3,000
  • Contactless payments fee: Free
  • Mini and quarterly statement fee: Free
  • SEPA credit transfer and direct debit: Free
  • ATM withdrawal outside of the eurozone fee: €0.90 plus 3% of transaction value per withdrawal
  • Overseas card purchase fee: 3% of the transaction value per payment
  • Unpaid cheques charge: €5
  • Deposit of cash or cheques at Post Office: €0.50 per deposit
  • Duplicate statement fee: €5


An Post’s offering has some serious benefit in the form of money back from its partners as well as its two mini handy savings wallets. The An Post app is quick and easy to download and useful for managing your money on the go as you can set up alerts for most transactions and keep track of any payments that might have failed.

All in all, the An Post Money Current Account is worth considering to see if it meets your financial needs.

How to sign up for the An Post Money Current Account

Applying for the An Post Money Current Account is a simple process. You can do it by visiting a local post office or via the An Post Money app. Here’s a step-by-step guide below:

Step 1: Download the An Post app from Google Play or the Apple Store.

Step 2: Choose the option “I’d like to apply for an account”. You’ll need the following documents to hand:

  • Proof of name – valid passport or EU driving licence
  • Proof of address – recent bank statement or utility bill
  • Proof of identity – a selfie

Step 3: Enter your personal details such as name, mobile number and email address. You’ll also have the option of entering in a promo code if you have one.

Step 4: Provide other details such as your date of birth, country of birth, Eircode and your mother’s maiden name.

Step 5: Next, you’ll need to take photographs of your documents as well as a selfie.

Step 6: After this, provide details of your employment status and the amount of money you plan to deposit every year.

Step 7: Read and accept the terms and conditions if you’re happy to proceed to complete your application.

Step 8: You’ll receive an application reference number while your application is processed.

Step 9: You should receive an email within one business day and then follow the instructions to activate your app and account.

Step 10: Once your new account is open, you’ll receive a debit card in the post, which you’ll need to activate before using it.

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