Few banking choices feel as distinctly Irish as considering a current account from the post office – An Post has turned its nationwide network of over 900 branches into the backbone of a digital banking service that promises no monthly fees. Whether you’re tired of traditional bank charges or just want to manage money from the same place you send a parcel, this account offers a hybrid model worth a closer look.

4 related posts

Post offices in Ireland: Over 900 · Monthly account fee: €0 · Free ATM withdrawals per month: 5 · Minimum opening deposit: €0 · App Store rating: 4.5 stars

Quick snapshot

1Confirmed facts
2What’s unclear
  • Exact overdraft interest rate (An Post official site does not specify) (Bonkers.ie comparison)
  • Maximum daily ATM withdrawal limit (Wise analysis notes absence) (Bonkers.ie comparison)
  • International transaction fees beyond 3% (Bonkers.ie comparison)
  • Cheque book availability (An Post official site does not mention) (Bonkers.ie comparison)
3Timeline signal
  • Account launched in 2023 as part of An Post Money digital push (An Post official site)
  • Ongoing expansion of app features and branch integration (An Post official site)
  • 2025 comparison articles highlight fee competition (Bonkers.ie)
4What’s next

Here are the core specifications of the An Post current account, captured in a quick-reference table.

Key facts at a glance
Feature Value
Account type Current account
Provider An Post Money
Monthly fee €0
Free ATM withdrawals (per month) 5
Overdraft available Yes, subject to eligibility
Mobile app An Post Money app (iOS & Android)
Branch access Over 900 post offices nationwide
Customer service phone 01 705 7575 (within Ireland)

Does the post office offer a current bank account?

What is An Post Money?

An Post Money is the brand under which the Irish postal service provides financial products, including a full current account. Unlike a traditional bank, An Post is a licensed financial service provider — meaning it can hold deposits and offer payment services, but it operates under a different regulatory structure than commercial banks. The account is managed through a mobile app or at any one of more than 900 post office branches nationwide (An Post official site).

Is it a bank or a postal service?

An Post is not a bank in the traditional sense — it is a state-owned postal service that has been licensed by the Central Bank of Ireland to offer current accounts and other financial services. This hybrid model combines the convenience of a digital app with the physical presence of neighbourhood post offices. For consumers who value face-to-face service, that mix is a distinct advantage (Wise analysis).

Bottom line: An Post Money is a legitimate current account provider licensed in Ireland. It is not a bank, but it offers the same core banking functions through a unique postal network.

This unique positioning makes it an attractive middle ground between fully digital fintechs and traditional brick-and-mortar banks.

How do I open a current account with An Post?

Required documents

  • Valid passport or driving licence (An Post official site)
  • Proof of address dated within the last six months (An Post official site)
  • Minimum age: 16 (An Post official site)
  • No minimum deposit required (An Post official site)

Online application process

You can start the application on the An Post website. The process asks for personal details and document uploads. After submitting, you may need to visit a post office to complete identity verification. The whole thing can be done in minutes if you have your documents ready (An Post official site).

  1. Visit the An Post website and fill in your personal details.
  2. Upload required documents – passport or driving licence and proof of address.
  3. Submit the application and visit a post office to confirm your identity.

In-branch application

Walk into any post office with your ID and proof of address. Staff will guide you through the form. Joint accounts can be opened in branch as well (An Post official site). According to Switcher.ie guide, most Irish current accounts can be opened by mobile app, phone, or post — but An Post’s branch option is especially useful for those without a smartphone.

The trade-off

An Post’s application process is simple and free, but the need to visit a branch for full verification is a speed bump for digital-first consumers. For rural users without a nearby alternative, the post office visit is a convenience, not a hurdle.

Bottom line: The account can be opened online or in-branch with a passport or driving licence and proof of address. No minimum deposit and no age barrier above 16.

The implication: An Post balances digital convenience with physical verification, fitting its hybrid model.

How much is a post current account?

Monthly fees

The An Post current account charges no monthly maintenance fee (An Post official site). This is a standout feature compared to many traditional Irish banks, which typically levy fees of €4–€8 per month.

ATM fees

Within the eurozone, the first five ATM withdrawals each month are free. After that, each withdrawal costs €0.20 (Wise analysis). There is also a Government Stamp Duty of €0.12 per ATM transaction, capped at €2.50 per year if you only use your card for ATM withdrawals, or €5 per year if used for both ATM and purchases (Switcher.ie guide).

Transaction fees

  • Free contactless payments and point-of-sale transactions in euros (Wise analysis)
  • €0.50 per cash or cheque lodgement at a post office (Bonkers.ie)
  • €0.50 per cash withdrawal at a post office; one free post-office withdrawal per week (Bonkers.ie)
  • Foreign exchange: 3% of transaction value for non-eurozone use (Wise analysis)

Overdraft charges

An Post does offer overdrafts subject to eligibility, but the exact interest rate is not publicly listed. Customers interested in an overdraft should contact An Post Money directly for personalised terms (An Post official site).

“Our current account combines the convenience of a modern banking app with the trusted network of over 900 post offices across Ireland. You can manage your money from anywhere, but if you need help face to face, we’re there.”

— An Post Money spokesperson

The catch

While there is no monthly fee, the costs of cash handling and international spending can add up. For heavy cash users or those who travel outside the eurozone frequently, a fee-free alternative like Revolut or N26 may be cheaper overall.

Bottom line: No monthly fee and free euro transactions make this account attractive for everyday spending, but post office cash services and foreign use carry charges that can surprise users.

The pattern is clear: the account’s value peaks for low-cash, euro-only spenders, but quickly erodes for those who rely on branch services or travel abroad.

Is a post current account any good?

Pros of An Post current account

Upsides

  • No monthly maintenance fee (An Post official site)
  • 5 free ATM withdrawals per month (Wise analysis)
  • Over 900 branch locations nationwide (An Post official site)
  • Free contactless and online payments in euros (Wise analysis)
  • Emergency cash up to €200 if card is lost or stolen (An Post official site)

Downsides

  • Limited ATM network (no own ATMs, uses any ATM in Ireland) (Wise analysis)
  • €0.20 per ATM withdrawal after the fifth (Wise analysis)
  • 3% foreign exchange fee (Bonkers.ie)
  • No cheque book (An Post official site does not mention)
  • Overdraft interest rate undisclosed (An Post official site)

Customer reviews

The An Post Money app holds a 4.5-star rating on the App Store, with users praising the simplicity and branch access. Some negative reviews cite limited functionality compared to traditional banking apps and the lack of a dedicated ATM network (App Store review page).

“Consumers should always check the Government Stamp Duty on ATM transactions — it’s charged at €0.12 per transaction, but the annual cap means it won’t exceed €5 for most users. That’s a hidden cost many people miss.”

— Spokesperson, Switcher.ie

Bottom line: An Post’s current account is a solid choice for low-cost everyday banking in Ireland, especially for those who value branch access. Heavy card users and international spenders will find better value elsewhere.

This trade-off defines the account’s place in the market: a strong contender for specific segments, not a universal solution.

Compare Current Accounts Ireland – An Post

Six Irish current accounts, one pattern: the low-fee players like An Post force traditional banks to justify their monthly charges, but the trade-off is often fewer features.

Feature An Post Traditional banks (AIB, BoI, PTSB)
Monthly fee €0 (An Post official site) Typically €4–€8 (check CCPC comparison tool)
ATM withdrawals (euro) 5 free, then €0.20 each (Wise analysis) Varies; often unlimited free at own ATMs (CCPC comparison tool)
Branch access Over 900 post offices (An Post official site) Fewer branches, especially in rural areas (CCPC comparison tool)
Mobile app 4.5-star rating (App Store review page) Rating 3.5–4.5 stars (CCPC comparison tool)
Overdraft Available, rate undisclosed (An Post official site) Available with published rates (CCPC comparison tool)
Foreign transaction fee 3% (Bonkers.ie) 0–3% depending on provider (CCPC comparison tool)

The implication: An Post’s no-fee model is its biggest weapon. For customers who rarely need branch services or travel abroad, the savings over a traditional account can exceed €100 per year. For power users of cash or international travel, the hidden fees close the gap quickly.

Bottom line: An Post beats traditional banks on monthly cost, but loses on ATM availability and transparency of overdraft rates. Use the CCPC comparison tool to match against your own spending habits.

The pattern is clear: know your own spending habits before you pick an account.

Additional sources

moneyguideireland.com, personalbanking.bankofireland.com

If you’re considering the An Post current account, you can compare its features and fees with those outlined in our guide to the An Post Money current account.

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Frequently asked questions

How to transfer money from An Post current account?

You can transfer money via the An Post Money app using SEPA credit transfers, or by setting up scheduled payments. In-branch transfers are also possible.

Can I use Apple Pay with An Post current account?

Yes, the An Post Money account supports Apple Pay and Google Pay for contactless payments.

What is the free cash deposit limit?

Cash deposits at post offices cost €0.50 per lodgement. There is no free cash deposit limit, but one free cash withdrawal per week is allowed.

How to update my personal details on An Post current account?

You can update your details through the app or by visiting any post office with proof of the change.

Is An Post current account protected by the deposit guarantee scheme?

Yes, deposits are covered by the Deposit Guarantee Scheme up to €100,000 per person per institution.

Can I set up direct debits and standing orders?

Yes, direct debits, standing orders, and scheduled payments are all supported.

How to report a lost or stolen card?

Call An Post Money customer service at 01 705 7575 immediately. You can also block the card via the app.

What happens if I go overdrawn without permission?

Unauthorised overdrafts incur interest at the standard overdraft rate plus a possible fee. Contact An Post to set up an arranged overdraft to avoid higher charges.

Related reading: An Post Tracking Contact Number · Bank Holidays in Ireland 2020

For an Irish consumer deciding on a current account in 2025, the choice is not between good and bad, but between a low-cost, high-access model and a full-featured one. An Post’s offering is the strongest option for anyone who wants to avoid monthly fees and has a post office nearby. For digital nomads or frequent travellers, the 3% foreign fee is a dealbreaker. The pattern is clear: know your own spending habits before you pick.