Rating based on 32 reviews

Post Office


  • Eligibilty check
  • Balance transfers
  • Low-interest starting from 19.9%

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Post Office homepage

Author Post Office. Screenshot of Post Office website. [Accessed September 5, 2019]

About Post Office

Post Office is a credit broker that provides a wide range of services to a large network of people through our nationwide post office branches.

Currently, there are around 11,500 post office branches across the UK, of which 300 are directly managed by Post Office.

How it works

Our credit cards are provided and issued by the Bank of Ireland UK. So, what this means, we are therefore an appointed representative of Bank of Ireland (UK) plc. As such, we are authorised by the Prudential Regulation Authority and are regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Take note, credit is only subject to residents of the UK aged 18 years or over.

Apply for a Post Office credit card

When you take out a credit card with us, we will send you two text messages, one to confirm the loan and the second to advise you of your first payment. We offer a variety of credit card options available to match your individual needs. You can apply for a post office credit card if you have a bad credit history. To get started, firstly check if you are eligible to apply for one of our credit cards.

Post Office Services

Choose a credit card that's right for you. We have two credit cards on offer, each with great benefits to match your individual needs.

You will be required to transfer the balances within three months of opening your account. In addition, you will receive an APR of 22.9% which is reliant on your personal financial circumstances.

Our Platinum credit card

A platinum card is the ideal credit solution for smart spending at home and when travelling abroad. You pay 0% on purchases for up to 28 months – and best of all no fees when you buy overseas. You pay 0% on balance transfers for up to 25 months, and a 2.89% balance transfer fee is charged

Some other benefits:

  • Easy contactless payments
  • You can buy Post Office Travel Money at no fee
  • Plus, 0% on balance transfers with a 2.89% fee for the first 18 months
  • You don’t pay any annual fee charges for the use of the card
  • You can manage your account anywhere 24/7 with our safe, secure and easy to use the mobile app or simply use our online servicing

Post Office Product Details

  • Loan Type Credit cards
  • Interest Rate 19.9 – 34.9% p/a

Summary of Services

  • No annual fee
  • Decision in 60 seconds
  • 0% on purchases for up to 12 months

At the Post Office you can get a reliable and affordable credit card

There are a few important things to consider before you apply for credit.

You are required to transfer the balances within three monthly instalments of your account opening. Plus, you could receive a shorter introductory period (26 or 18 months) at an APR (21.9% or 24.9%), this is all dependent on your individual circumstances.

Try fast checker

Simply check your eligibility, it's easy to use and will get a response straight away. When using the Fast Checker, we'll tell you how likely you are to be approved for the Platinum Card without tarnishing your credit score. We will require a few personal details about yourself, your income and monthly outgoings.

Long balance transfer

Or consider our longest balance transfer deal. You pay 0% on transferred balances for up to 32 months with a 2.00% transfer fee. Some other benefits:

  • Easy contactless payments
  • No charges on purchases for the first 3 months
  • You pay no annual fee for the use of this credit card.

In addition, you can manage your account anywhere 24/7 with our safe, secure and easy to use the mobile app or via online servicing.

A wide range of loans and services

At the Post Office, you can apply for a personal loan, home loan or car loan. All loan applications can be done online. It's quick and easy. As an added benefit our loans carry low-interest rates and flexible repayment options.

Customer Reviews & Testimonials

February 2019

The online service is the best. I am able to update details and make payment without going to the branch

Andy J
— Glasgow —

June 2019

The credit card mobile app makes life easier I pay for my bills anywhere and anytime-

Peter R
— Dundee —

April 2019

My children always ask for money, thank you to the mobile app I am able to send them money anytime.

Stefan B
— Southampton —

Post Office Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:30 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed