Current Account
Table of Contents
- Popular Current Account FAQs
- Applying for an account
- Account features
- Customer support
- Online banking support
- Safety and security
- Lost or stolen cards
- Account Changes
- Digital wallets
- Payment Services Section
You activate Dynamic CVV in the An Post Money App.
Simply turn the feature on in the ‘Manage Card’ page in the An Post Money app.
Once activated, the Dynamic CVV will be displayed in the An Post Money app – just tap the ‘Show CVV’ button on either the Home screen or in the Manage Card section.
You can copy the Dynamic CVV and paste it into the payments page when required while shopping online.
The following limits apply to your account:
Transaction |
Limit per transaction |
Daily cash lodgement at a post office |
€5,000 |
Daily debit card load |
€5,000 |
Online limit per recipient |
€2,000 |
Minimum lodgement |
€1 |
Maximum daily post office withdrawal* |
€3,000 |
Maximum daily ATM withdrawal** |
€600 |
*Withdrawals of over €1,000 require photo ID
**This may vary at ATMs outside Ireland
Yes, you can share a joint account with one other person. Both account holders need to come to a post office with proof of identity to open the account.
You’ll share the same account number (IBAN) but will have your own unique current account card, user ID, online PIN and 16-digit card number. For security reasons, each account holder must have their own email address. Account holders can have the same or different home addresses.
Arrange to have money paid into and out of your current account, including salary or pension payments. Use this form (PDF, 592KB) to let your employer know your new account details for salary payment.
Make and receive payments within the Single Euro Payments Area (SEPA), which includes all European Union countries, the UK, Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland.
Anyone in the SEPA zone who has your IBAN can pay you by credit transfer.
To make a transfer from your account:
If you need to do this, use the change of name or address form (PDF, 641KB) to notify us.
Website: Log in to your current account and select ‘Wallets’ from the menu. Follow the instructions to create and name your wallet.
App: Log in and select your current account. From your transactions screen, please select ‘Manage Jars.’
Regular Payments go into your main account by default. You then have a number of options:
Set up as many direct debits as you need to conveniently make regular payments.
They can be paid from your main account or your Jars.
How to organise your direct debits:
If you opened your current account using the new An Post Money app, you are automatically registered for online banking.
Existing customers who want to add online banking can use:
Website registration: Your An Post Money Current Account welcome letter includes your 10 digit User ID. Visit the registration page to create a new 5-digit PIN to log in to online banking in the future.
App registration: Please download or update to the latest version of the An Post Money app from the App Store and Google Play Store. Create a 5-digit app PIN and password. Then you’ll be automatically registered for online banking services.
The An Post Money app is only available in the Republic of Ireland. Certain devices come with their Google Play location set to countries other than Ireland.
You can change the location of your Play store by following the below steps:
Once you re-open the Google Play store you should be able to see the An Post Money app.
If you are still having problems after trying the above please contact us on 01 705 8000.
An Post Money mobile application is developed and tested to be in compliance with the WCAG Accessibility levels A and AA guidelines on the latest set of devices on Android and iOS platform.
However, there could be subset of devices and older version of these platforms on which the app would have some limitation with accessibility.
Below are the known issues in the with reference to accessibility guidelines
Additional Information:
List of known issues on specific devices
The WCAG 2.0 is a set of guidelines and recommendation for the web content to be designed accessible to disabled users. However, the same guidelines cannot be directly applied on non-web based mobile applications.
W3C has provided a guidance document to apply WCAG 2.0 to non-web information and communications Technologies (WCAG2ICT). An Post has put in significant work in ensuring that we have followed these guidelines closely throughout the development of the An Post Money app.
Reference
Web Content Accessibility Guidelines (WCAG) 2.0 https://www.w3.org/TR/WCAG20/
Guidance on Applying WCAG 2.0 to Non-Web Information and Communications Technologies (WCAG2ICT) https://www.w3.org/TR/wcag2ict/
You can set aside money in Jars/savings wallets. Each has its own balance, so you can use one to pay bills and another to save for something special.
You can create and manage up to 10 Jars in the An Post Money app and 2 wallets on our online banking website. You will be able to see Jars you set up from the App on the online banking website.
Once your money is safely in a Jar/wallet, it won’t be withdrawn without your authorisation, and you won’t be able to use it for purchases or withdrawals with your debit card.
You can use your Jars/wallets as you choose and even name them. For instance, one wallet jar could be called ‘Rent and Bills’ while the other could be named ‘Holiday Fund’.
Our current account includes innovative features and unique benefits in addition to the standard features of a bank account (except for an overdraft facility and a chequebook). It has a BIC (Business Identifier Code) and IBAN (International Bank Account Number) for direct debits and credit transfers.
Feature | Description |
---|---|
IBAN | You get an international bank account number (IBAN) for your An Post Money Current Account. Share your IBAN with friends or family to send you money, give it to your employer for your salary payments or set up direct debits for utilities or subscription services. |
Contactless debit card | You get a contactless debit MasterCard®. Make payments up to €50 by tapping your debit card at a merchant machine. Use your card for chip and PIN transactions at point of sale, for online purchases or to withdraw cash at an ATM. |
Post office transactions | With over 950 in Ireland, a post office is always close by. Lodge and withdraw cash in any post office using your debit card. Request a mini statement showing your last 6 transactions. |
Emergency cash | If your debit card is lost or stolen, you can get emergency cash in any post office. Once you report your debit card lost or stolen, you can generate an ‘Emergency Cash Code’ in your An Post Money app or by calling 01 705 8000. You can request up to €200/day, subject to your account balance. |
Direct debits | Pay direct debits from your An Post Money Current Account by giving your provider your IBAN. You can also select to pay direct debits directly from a Jar. |
Scheduled payments | Set up scheduled payments to send regular payments to Jars or other accounts for savings, to pay rent or send money to another account. |
Credit transfers | Pay people or companies using their IBAN through Online Banking or the An Post Money app. The payments take one working day. |
Device pay | Use Apple Pay, Google Pay™ or Fitbit Pay to pay instantly and securely with your mobile or watch. |
An Post Money app | Control your money from the palm of your hand. Use the app to set up payments, check your balance, authorise online payments, check transactions and much more. |
Online banking | Access statements and manage your preferences through online banking. |
Jars | Put money aside in Jars. Set savings targets and deadlines. Pay bills right out of a Jar. |
Round Up | Sweep change from debit card payments into a Jar. |
Add An Post Money Mate | Give your 7-15 year old children their own current account, while you retain control. |
Sweep change from debit card payments into a Jar with our Round Up feature. So, a payment of €1.90 is rounded up to the nearest Euro, meaning €0.10 goes into your Jar.
If you want you can turn on a Round Up multiplier too. This multiplies the change that goes into your Jar.
Yes, you can share a joint account with one other person. Both account holders need to come to a post office with proof of identity to open the account.
You’ll share the same account number (IBAN) but will have your own unique current account card, user ID, online PIN and 16-digit card number. For security reasons, each account holder must have their own email address. Account holders can have the same or different home addresses.
You can easily open an account through the An Post Money app available in the App Store and Google Play Store. You’ll need a valid proof of identification (passport or driving licence) and one proof of address dated in the last six months (such as a utility bill, bank statement, or a letter from Revenue).
Alternatively, you can apply in any post office.
For more information, see how to open our An Post Money Current Account.
You activate Dynamic CVV in the An Post Money App.
Simply turn the feature on in the ‘Manage Card’ page in the An Post Money app.
Once activated, the Dynamic CVV will be displayed in the An Post Money app – just tap the ‘Show CVV’ button on either the Home screen or in the Manage Card section.
You can copy the Dynamic CVV and paste it into the payments page when required while shopping online.
The following limits apply to your account:
Transaction |
Limit per transaction |
Daily cash lodgement at a post office |
€5,000 |
Daily debit card load |
€5,000 |
Online limit per recipient |
€2,000 |
Minimum lodgement |
€1 |
Maximum daily post office withdrawal* |
€3,000 |
Maximum daily ATM withdrawal** |
€600 |
*Withdrawals of over €1,000 require photo ID
**This may vary at ATMs outside Ireland
Arrange to have money paid into and out of your current account, including salary or pension payments. Use this form (PDF, 592KB) to let your employer know your new account details for salary payment.
Make and receive payments within the Single Euro Payments Area (SEPA), which includes all European Union countries, the UK, Iceland, Liechtenstein, Monaco, Norway, San Marino and Switzerland.
Anyone in the SEPA zone who has your IBAN can pay you by credit transfer.
To make a transfer from your account:
Website: Log in to your current account and select ‘Wallets’ from the menu. Follow the instructions to create and name your wallet.
App: Log in and select your current account. From your transactions screen, please select ‘Manage Jars.’
Regular Payments go into your main account by default. You then have a number of options:
Set up as many direct debits as you need to conveniently make regular payments.
They can be paid from your main account or your Jars.
How to organise your direct debits:
If you opened your current account using the new An Post Money app, you are automatically registered for online banking.
Existing customers who want to add online banking can use:
Website registration: Your An Post Money Current Account welcome letter includes your 10 digit User ID. Visit the registration page to create a new 5-digit PIN to log in to online banking in the future.
App registration: Please download or update to the latest version of the An Post Money app from the App Store and Google Play Store. Create a 5-digit app PIN and password. Then you’ll be automatically registered for online banking services.
An Post Money mobile application is developed and tested to be in compliance with the WCAG Accessibility levels A and AA guidelines on the latest set of devices on Android and iOS platform.
However, there could be subset of devices and older version of these platforms on which the app would have some limitation with accessibility.
Below are the known issues in the with reference to accessibility guidelines
Additional Information:
List of known issues on specific devices
The WCAG 2.0 is a set of guidelines and recommendation for the web content to be designed accessible to disabled users. However, the same guidelines cannot be directly applied on non-web based mobile applications.
W3C has provided a guidance document to apply WCAG 2.0 to non-web information and communications Technologies (WCAG2ICT). An Post has put in significant work in ensuring that we have followed these guidelines closely throughout the development of the An Post Money app.
Reference
Web Content Accessibility Guidelines (WCAG) 2.0 https://www.w3.org/TR/WCAG20/
Guidance on Applying WCAG 2.0 to Non-Web Information and Communications Technologies (WCAG2ICT) https://www.w3.org/TR/wcag2ict/
You can set aside money in Jars/savings wallets. Each has its own balance, so you can use one to pay bills and another to save for something special.
You can create and manage up to 10 Jars in the An Post Money app and 2 wallets on our online banking website. You will be able to see Jars you set up from the App on the online banking website.
Once your money is safely in a Jar/wallet, it won’t be withdrawn without your authorisation, and you won’t be able to use it for purchases or withdrawals with your debit card.
You can use your Jars/wallets as you choose and even name them. For instance, one wallet jar could be called ‘Rent and Bills’ while the other could be named ‘Holiday Fund’.
Our current account includes innovative features and unique benefits in addition to the standard features of a bank account (except for an overdraft facility and a chequebook). It has a BIC (Business Identifier Code) and IBAN (International Bank Account Number) for direct debits and credit transfers.
Feature | Description |
---|---|
IBAN | You get an international bank account number (IBAN) for your An Post Money Current Account. Share your IBAN with friends or family to send you money, give it to your employer for your salary payments or set up direct debits for utilities or subscription services. |
Contactless debit card | You get a contactless debit MasterCard®. Make payments up to €50 by tapping your debit card at a merchant machine. Use your card for chip and PIN transactions at point of sale, for online purchases or to withdraw cash at an ATM. |
Post office transactions | With over 950 in Ireland, a post office is always close by. Lodge and withdraw cash in any post office using your debit card. Request a mini statement showing your last 6 transactions. |
Emergency cash | If your debit card is lost or stolen, you can get emergency cash in any post office. Once you report your debit card lost or stolen, you can generate an ‘Emergency Cash Code’ in your An Post Money app or by calling 01 705 8000. You can request up to €200/day, subject to your account balance. |
Direct debits | Pay direct debits from your An Post Money Current Account by giving your provider your IBAN. You can also select to pay direct debits directly from a Jar. |
Scheduled payments | Set up scheduled payments to send regular payments to Jars or other accounts for savings, to pay rent or send money to another account. |
Credit transfers | Pay people or companies using their IBAN through Online Banking or the An Post Money app. The payments take one working day. |
Device pay | Use Apple Pay, Google Pay™ or Fitbit Pay to pay instantly and securely with your mobile or watch. |
An Post Money app | Control your money from the palm of your hand. Use the app to set up payments, check your balance, authorise online payments, check transactions and much more. |
Online banking | Access statements and manage your preferences through online banking. |
Jars | Put money aside in Jars. Set savings targets and deadlines. Pay bills right out of a Jar. |
Round Up | Sweep change from debit card payments into a Jar. |
Add An Post Money Mate | Give your 7-15 year old children their own current account, while you retain control. |
Sweep change from debit card payments into a Jar with our Round Up feature. So, a payment of €1.90 is rounded up to the nearest Euro, meaning €0.10 goes into your Jar.
If you want you can turn on a Round Up multiplier too. This multiplies the change that goes into your Jar.
If your card is lost, stolen or damaged, you can get up to €200 in emergency cash a day at any post office, during opening hours, provided you have enough money in your account..
Just login to your account and select ‘Quick Actions - Emergency Cash’ or contact Customer Services on 353 (1) 705 8000.
Or on your App you can access emergency cash through the ‘manage card’ option on the current account transactions screen and then select ‘emergency withdrawal’ and follow the on screen instructions.
If want to make a complaint, get in touch with our Customer Service team:
Call us on +353 1 705 8000
Email us at customerservices@anpostmoney.com
Write to us at An Post Money, BillPost, Enterprise House, Cappa Road, Kilrush, Co Clare, V15 VX23
If you’re still unhappy with the response you receive, you can contact the Financial Services and Pensions Ombudsman at:
Third Floor, Lincoln House
Lincoln Place
Dublin 2
DO2 VH29
The An Post Money app is only available in the Republic of Ireland. Certain devices come with their Google Play location set to countries other than Ireland.
You can change the location of your Play store by following the below steps:
Once you re-open the Google Play store you should be able to see the An Post Money app.
If you are still having problems after trying the above please contact us on 01 705 8000.
If you need another way to pay from your account - you can pay using Apple Pay, Google Pay or Fitbit Pay. Once you’ve set up your card, you’re instantly up and running and it works exactly the same way as if you had your debit card on you. Instructions on how to set this up if you haven’t done so already can be found in our Digital Wallets section in the FAQs.
Even if your pin won’t work you can still make contactless payments with your debit card. Remember contactless limit is max €50 per transaction on your debit card, with 5 transactions allowed a day up to a daily limit of €150. This limit does not apply to Apple Pay, Google Pay and Fitbit Pay, however merchants may apply their own limits
If you forget your debit card PIN, just call our Customer Services on +353 1 705 8000 and we can send your PIN by text message to your registered mobile phone number.
If you tap on the (i) information icon on your Current account card on the An Post Money dashboard you will be able to see your Current account IBAN and BIC.
While we’re updating our online banking platform to match our new app, you may notice some differences between the two.
Jar names may not be reflected on online banking, where the old savings wallet names will still apply. For a short time, your Jars will still be called savings wallets in online banking. Any new Jars you set up in your app will not display your chosen name but instead you will see a numbered Jar e.g. on your app you would see ‘Holiday Jar’ but on your online banking it will display Jar 1.
We know this may be confusing. Please bear with us while we update online banking and align it with the new app. If you have any questions, please contact us on +353 1 705 8000.
App Users – If you are using our new An Post Money App, you will receive your one time passcode by push notification through the app.
Non App Users – Customers who do not use the An Post Money App will receive their one time passcode by SMS to their registered mobile phone number.
We have been made aware of issue that customers have experienced when attempting to select their year of birth on an Android device. The calendar used is native to the android device and although unclear possibly, if you tap on the birth year it will give you options to change to your favoured year.
App Users – Please ensure you have notifications turned on for the An Post Money App in your device settings and in the app. Then request the one time passcode again.
Non App Users – As and from 21st February all customers will need to download and use the An post Money app to get access to their accounts. You can find more information on our Money App page.
If you forget your PIN, you can set up a new one quickly and easily:
If you forget your user ID, you can get a reminder by calling us on +353 1 705 8000.
Yes, we give you an extra level of security with the Mastercard SecureCode®, offered in partnership with Mastercard. Every time you buy something online at participating websites, they’ll ask you to enter random characters from your Mastercard SecureCode password to authorise the purchase and confirm you are the card owner.
When you make your first online purchase with a participating retailer, you’ll be asked to register for the Mastercard SecureCode service. You can ignore this request once, but you must register the next time in order to be able to buy from participating websites in the future.
You can also pre-register your card before doing any online shopping. When you register, you’ll be asked for your card number and some additional information.
App Users – If you are using our new An Post Money App, you will receive your one time passcode by push notification through the app.
Non App Users – Customers who do not use the An Post Money App will receive their one time passcode by SMS to their registered mobile phone number.
If you do not recognise transactions on your account, contact Customer Services on on +353 1 705 8000 for advice and investigation. For more information on fraud, check our terms and conditions.
App Users – Please ensure you have notifications turned on for the An Post Money App in your device settings and in the app. Then request the one time passcode again.
Non App Users – As and from 21st February all customers will need to download and use the An post Money app to get access to their accounts. You can find more information on our Money App page.
If your card is lost or stolen, please call our customer service immediately on freephone 1800 267 678. We will cancel your card and issue a replacement within seven working days.
When you receive your replacement card, sign the signature strip on the back of the card. Then call +353 1 705 8000 to activate it and retrieve your PIN.
If you don’t report a lost or stolen card, you may lose some or all of the money in the same way as if you lost cash.
If your card is damaged, call our customer service on +353 1 705 8000 to arrange a replacement card.
To cancel a direct debit, you should contact the service provider and ask them to stop requesting the payment.
If you need to do this, use the change of name or address form (PDF, 641KB) to notify us.
You can notify us by using the relevant form:
Notification of death (PDF, 602KB)
Notification of account closure (PDF, 599KB)
Step 1: Wake up and unlock your Android phone
Turn on your phone screen, and then unlock your phone. You do not need to open the Google Pay app.Step 2: Hold the back of your phone close to the payment reader for a few seconds
When you’re done paying, a blue check mark will appear on the screen.Step 3: If prompted, follow the instructions on the screen
Some stores use older software that asks for a PIN or signature. If you’re asked, follow the steps on the screen.You can now pay with Apple Pay using your iPhone or Apple Watch wherever you see the contactless or Apple Pay symbols.
Not sure what to do about a lost or stolen An Post Money current account card? Get in touch with us immediately.
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