Straightforward Fees

Everyone loves a surprise … unless it is unexpected fees being deducted from their account.

Many things may surprise you about the Smart Account.

  1. The innovative budgeting tools.
  2. The Smart MoneyBack programme.
  3. The convenient Smart Account app.
  4. The transparency.
  5. The control you have over your money.

Your monthly fee covers an unlimited number of the following transactions:

Point of sale transactions

Including those with cash back, in the Eurozone

Online purchases

in the Eurozone

Online transfers

From your account

Quarterly statements


At the Post Office

Direct debits

And credit transfers

Contactless payments

In the Eurozone

One cash withdrawal

Per week at a Post Office
(additional withdrawals
in the same calendar
week are €0.50 each)

With An Post’s Smart Account, it’s easy to keep those costs down. You can even offset some or all of your monthly maintenance fee with the Smart MoneyBack programme when you shop with participating retailers.

Smart Account Fee Table

Transactions Republic of Ireland & EurozoneFee
Monthly Maintenance Fee€5.00
Quarterly Statement*
Mini Statements at Post Offices*
POS transactions*
POS transactions with Cashback (1)*
Post Office Cash Withdrawal (2)* / €0.50
Post Office Lodgement Cash / Debit Card / Cheque (3)€0.50
Quick Lodge transactions (5)€0.50
Contactless Payments*
SEPA Credit Transfers*
SEPA Direct Debits*
ATM Transaction€0.60
Transactions Non Euro
ATM€0.90 plus 3.0% of Transaction Value
POS, Contactless & Cashback (1) (4)3.0% of Transaction Value
Items lodged to your account returned unpaid (Cheques Lodged)€5.00
Items presented on your account and returned unpaid (Direct Debits)€2.50
Replacement of lost / stolen / damaged cards*
Replacement of PIN*
Ad hoc / Duplicate Statement€5.00
SMS Messaging€0.05
E-Mail Alerts*

(1) Cash back, subject to individual retailer participation
(2) The first weekly cash withdrawal at a Post Office is free, subsequent Post Office transactions are charged at €0.50 per transaction.
(3) Cheque Lodgement fees refer to per cheque lodged
(4) Non Euro transactions may be subject to Foreign Exchange charges applied by third parties in addition to An Post fees
*Transaction charges included in the monthly maintenance fee.
(5) Quick Lodge transactions facilitate the funding of your Smart Account using a debit card

Fees subject to change.

Terms and Conditions apply. The An Post Smart Account Debit Mastercard is issued by An Post. An Post is authorised by the Minister for Finance to provide payment services and is regulated by the Central Bank of Ireland in the provision of such services.