An Post credit card and Money cards 2026

An Post Money is the retail brand. The credit cards behind it are issued by Bankinter S.A., which trades in Ireland as Avant Money. An Post acts as a credit intermediary for Bankinter, and Bankinter is authorised by the Banco de España and regulated by the Central Bank of Ireland for consumer protection.

That matters for two reasons: your credit agreement is with a Spanish bank, not with An Post, and the An Post cards sit alongside Avant Money’s own cards on the same underlying platform. Both are open to new applicants in 2026.

An Post Money credit cards in 2026

Card	Standard rate	Representative APR	Headline offer	Annual bank fee
Classic	16.8% variable	22.9% variable	0% on balance transfers for 12 months	None
Flex	16.8% variable	22.9% variable	0% on purchases for 9 months, plus money transfers at 5.9% for 24 months	None

Government stamp duty of €30 a year applies to both. Both are Mastercard.

An Post’s representative example for the Classic card: a €1,500 credit limit repaid over 12 months costs €1,666.50 in total, a cost of credit of €166.50.

Classic — the balance transfer card

Twelve months at 0% on transferred balances is the longest balance transfer offer from any Irish provider in 2026. Bank of Ireland runs 7 months, PTSB 6 months, Avant Money’s own One Card 9 months.

That makes it the default answer for anyone shifting an existing credit card debt, provided you can realistically clear it inside a year. After 12 months you land on 16.8%.

Flex — the purchase and money transfer card

Nine months at 0% on new purchases, which is the longest 0% purchase window in the Irish market — the banks all run 3 to 6 months. The money transfer feature lets you move credit from the card into your own current account at 5.9% fixed for 24 months, which is priced closer to a personal loan than a cash advance.

Read that carefully though: a money transfer is not a cash advance, but it is still borrowing, and 5.9% over 24 months on a large sum is real interest.

Fees

Charge	Amount
Government stamp duty	€30 per account per year
Annual bank fee	None
Cash advance handling fee	1.50%, minimum €2.50
Non-euro transaction fee	2.65% of transaction value
Eligibility	Over 18 and resident in the Republic of Ireland

The 2.65% foreign transaction fee is high. It sits above AIB’s 1.75% European rate and PTSB’s 1.75%, and only Bank of Ireland’s 2.25% is in the same territory. Do not use this card abroad.

An Post does not publish a minimum income requirement for the credit cards.

An Post Money current account and debit card

An Post issues a Debit Mastercard on its current account. Fees, effective from 1 November 2025:

Item	Charge
Monthly account fee, age 23+	€6.00
Monthly account fee, age 16–22	€2.00
Money Mate account, per child	€2.00
ATM withdrawal, euro	€0.60
Post office cash withdrawal	First per week free, then €0.50
Post office or quick lodgement	€0.50
Non-euro ATM	€0.90 plus 3%
Non-euro card purchase or contactless	3%
Returned cheque	€5.00

The monthly fee covers contactless payments, direct debits, online purchases, online transfers and point-of-sale transactions. Unlike AIB and Bank of Ireland, An Post charges 60c for each euro ATM withdrawal on top of the monthly fee, so it is the most expensive of the mainstream accounts for anyone who takes cash out often.

Money Mate is An Post’s card for children, at €2 a month per child.

The account gives you emergency cash access of up to €200 from post offices and dynamic CVV protection for online purchases.

An Post Money Currency Card

A prepaid contactless Mastercard holding 15 currencies including GBP, USD, AUD and CAD. No card fee and no subscription.

Item	Charge
Card fee	None
Top-up in euro, and euro purchases	1.25%
Euro withdrawal at a post office	1.25%, capped at €8.00
Foreign currency purchases with funds loaded	Free
ATM withdrawal	Flat fee per currency — €2.00 EUR, £1.50 GBP, $2.50 USD, CHF 3.00, and so on
Currency conversion if the wallet is short	5.75%
Minimum top-up	€20
Maximum balance	€10,000 equivalent
Load limit	€30,000 equivalent per 12 months
Stamp duty	€0.12 per ROI ATM transaction, capped at €5 a year

The card only works out cheap if you load the right currency before you travel. The 5.75% conversion charge that applies when the wallet does not hold the currency you are spending is worse than any Irish bank card.

Who An Post suits

An Post has the two best introductory offers in the Irish market — 12 months at 0% on balance transfers, and 9 months at 0% on purchases. If either of those is why you want a card, this is the shortlist.

It is a poor choice for foreign spending on any of its products, and the current account is the priciest of the bank accounts once you factor in the 60c ATM charge.

Frequently asked questions

Is the An Post credit card still available in 2026?

Yes. Both the Classic and Flex cards are open to new applications from anyone over 18 resident in the Republic of Ireland, online or by phone.

Who actually issues the An Post credit card?

Bankinter S.A., under licence from Mastercard. Bankinter trades in Ireland as Avant Money. An Post is the credit intermediary, not the lender.

Is the An Post card the same as an Avant Money card?

Same issuer, different products. The An Post Classic and Flex sit on Bankinter’s platform alongside Avant Money’s One Card, Reward+ and Everyday+, but the offers and rates differ, so compare both.

Does An Post do a credit check?

Yes. An Post publishes information on Central Credit Register checks as part of the application, so your existing borrowing will be visible to the lender.

How do I contact An Post about my card or log in?

Use anpost.com, the An Post Money app, or An Post’s published credit card line on 01 9456714, open 8am–8pm Monday to Friday and 8am–2pm Saturday excluding bank holidays.