What is The Smart Account?

    The Smart Account is the new current account from An Post. In addition to offering many of the standard features of a traditional current account, the An Post Smart Account offers two great unique features, the first is MoneyBack where you will benefit from using your card at selected retailers and also, Smart Account Wallets which provide a simple online solution for you to manage your money. The An Post Smart Account has a dedicated BIC and IBAN, along with a Debit Mastercard® issued by An Post.

    Back to the top

    What do I get with The Smart Account?

    Your Smart Account offers all of the following features and benefits:

    • Full transactional capability
    • BIC (Business Identifier Code) and IBAN (International Bank Account Number)
    • MoneyBack retail loyalty programme
    • Smart Account Wallets for secure & effective budgeting
    • Debit card including contactless payment capability
    • Direct Debits
    • Credit Transfers and recurring payments
    • Online & Mobile account management
    • Transparent fees
    • Clear and transparent communication on your payments
    • Joint Account facility
    • No credit check
    • Quarterly postal statements
    • Transaction alerts
    • Mini Statements at Post Offices nationwide
    Back to the top

    What can I do with my Smart Account

    • Make payments in store or online
    • Get Cashback from selected retailers
    • Conduct contactless transactions
    • Get MoneyBack into your account on a monthly basis where you spend using your card at selected partners
    • Withdraw cash at ATMs
    • Make and receive payments via credit transfers
    • Pay Direct Debits
    • Make lodgements, withdrawals and check your balances at all Post Offices
    • Pay for bills and other services at all Post Offices
    • Get quarterly statements
    • Open a Sole or a Joint Account
    • Customer Service available 24/7/365
    Back to the top

    How does my Smart Account work?

    Your Smart Account works in the same manner and fashion as any current account.  

    • Your Smart Account comes with a Debit Mastercard which you can use at point of sale in retailers, online or at ATMs worldwide wherever the Mastercard symbol is displayed.
    • Your Smart Account comes with a fully functioning online facility smartaccount.ie and mobile app, which can be used on both IOS and Android devices.
    • Your Smart Account contains two Wallets which are useful budgeting tools. Think of them as two mini accounts alongside your Main Smart Account that you can manage online or through your mobile app.
    Back to the top

    How is my Smart Account different to a current account?

    Your Smart Account operates in the same manner and fashion as a traditional current account. There are a few differing features which include:

    • The MoneyBack programme which allows you to get money back into your account on a monthly basis by using your card at selected retailers.
    • Your Smart Account has useful Wallets which assist in categorising your payments and budgeting.
    • The Smart Account does not have an overdraft facility.
    • The Smart Account does not offer a cheque book facility.
    • You can only spend the money you have available in your Main Smart Account.
    • You can use your account to deposit and withdraw money at over 1,000 Post Offices nationwide. You can also get a mini statement at the Post Office and use your card to pay for your bills and a wide variety of products and services.
    Back to the top

    Can I use my Smart Account as my main payment account?

    Yes, the idea of your Smart Account is to simplify and manage your finances allowing you to have all of your financial needs and demands met in one payment account.

    Back to the top

    Simple Transparent Pricing

    Your Smart Account operates from as little as €5.00 per month, this includes electronic Point of Sale transactions, Online payments, Credit Transfers, Direct Debits in the Eurozone and one Post Office withdrawal per week. Please see the fee table for a full list of fees and charges.

    Back to the top

    Who can apply for The Smart Account?

    You will need to be at least 16 years of age or over and resident in the Republic of Ireland.  The Smart Account is an ideal form of financial account for people who:

    • Want to enjoy the benefits of a flexible payment account
    • Want secure and simple budgeting tools
    • Want MoneyBack into your account on a monthly basis
    • Want transparent fees.
    Back to the top

    Are there credit checks to use The Smart Account?

    The Smart Account does not exclude anyone who may have a poor credit history. We do not undertake any credit checks prior to account opening.

    Back to the top

    What does it cost to use The Smart Account?

    To use the Smart Account a monthly fee of €5.00 applies. This includes one withdrawal in a Post Office per week and all Point of Sale transactions, including Cash Back transactions with participating retailers, Online Purchases, Credit Transfers and Direct Debits in the Eurozone. Fees for individual transactions such as ATM’s are debited from accounts at the time of use. For a full list of fees and charges see the Fee Table. Use of the MoneyBack programme can offset some or all of your monthly fees.

    Back to the top

    How do I open an An Post Smart Account?

    The An Post Smart Account can be opened at any Post Office. You can complete the application form Online or in any Post Office. The completed application form along with proof of name and proof of address documentation can be brought to any Post Office to apply for your Smart Account.

    Back to the top

    What Identification do I require to open an account?

    You will require one of the following;

    • Proof of Name – one of
      • Current Passport
      • Current Driving Licence
      • Public Service Card

     

    • Proof Of Address, one of (issued within the last 6 months)
      • Household Bill
      • Bank Statement
      • Correspondence from Revenue Commissioners
      • Correspondence from Department of Social Protection

     

    • Proof of Date of Birth if not provided for in Proof of Name documents.
    Back to the top

    How old do I need to be to open an account

    Customers can open an An Post Smart Account when they are 16 years of age or older. Some usage restrictions apply to customers aged under 18 years, for example in relation to the use of gambling sites.

    Back to the top

    Will I get my card at the Post Office

    No, your Smart Account Welcome pack will be posted to your home address and will arrive within 5 to 7 working days of receipt of your completed application form.

    Your welcome pack will contain;

    1. Your Welcome Letter containing your BIC and IBAN
    2. Your An Post Smart Account Card
    3. A brochure explaining how to get started.
    4. A brochure detailing the list of Moneyback partners
    5. A copy of the Smart Account Terms and Conditions
    Back to the top

    How do I Activate My Card and Retrieve My Card PIN for My Smart Account?

    When you receive your Smart Account Debit Mastercard in the post, please call Customer Services on 01 705 8000 immediately and follow the instructions to Activate Your Card and Retrieve Your Card PIN.  You will be required to have your Smart Account card to hand.

    You will then be given your Card PIN. You must never write down your PIN, keep it secret at all times and never reveal it to anyone. You will have the facility to change your PIN at any Irish ATM.

    (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    Back to the top

    When can I start using my Smart Account?

    Once you have successfully Activated Your Card and Retrieved Your Card PIN you can start using your Smart Account for lodgements, withdrawals and purchases.

    You can use your IBAN to have your salary, benefits or other payments paid into Your Smart Account.
    You will need to register your account online before you can utilise Internet account management or use your Mobile App.

    Back to the top

    Can I use my Smart Account online and via a Mobile App?

    Yes, you can manage your Smart Account online and through a mobile device.
    Our free Smart Account Mobile App is available to download from the Apple Store and Google PlayTM. Follow the onscreen steps to register your mobile device and to start managing your mobile device via the App.
    There is some functionality that is only available on the main website, such as setting up new wallets or new payees.

    To use the online services for the An Post Smart Account you must provide your mobile phone number and e-mail at account set up.

    Back to the top

    How many cards can I have for My Smart Account?

    For a sole account you will have one card. If you have a Joint Smart Account each account holder will have their own card.
    A customer may have both a sole account and a joint account. Further accounts are not permitted.

    Back to the top

    What are the main features of my Smart Account card?

    The key features of your Smart Account card are

    • Chip & Pin security
    • Contactless payments
    • Can be used worldwide for POS, ATM and Online transactions wherever you see the Mastercard acceptance sign.
    • Post Office Lodgements & Withdrawals
    • 24/7/365 Customer Service
    Back to the top

    How can I withdraw cash using My Smart Account?

    You can withdraw cash through Post Offices, ATMs and retailers who provide cash back. There are fees applicable for withdrawing cash at ATMs and Post Offices, see Fee Table.

    Back to the top

    How many PIN tries do I have when withdrawing cash or making purchases over the counter?

    You only have 3 attempts to enter your Card PIN. If you incorrectly enter your Card PIN 3 times your card will be blocked. To unblock your Card please call 01 705 8000.  (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    Back to the top

    What do I do if my card is lost or stolen?

    If your card is lost or stolen you must get in touch with us immediately by calling Customer Services on 01 705 8000. (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    We will then cancel your card and a replacement card will be issued to you within 5 to 7 working days. When you receive your replacement card please sign the signature strip on the back of the card and call 01 705 8000 to activate your Card and retrieve your Pin.

    There is a fee of €5.00 applicable for the issue of a replacement card.

    Back to the top

    Can I make purchases using My Smart Account?

    You can make purchases in retailers and online, wherever the Mastercard acceptance mark is displayed.

    Back to the top

    Can I have a Smart Account in different currencies?

    All money in your Smart Account will be in euro. Enquire at your local Post Office for any foreign currency requirements.

    Back to the top

    How do I order a replacement Smart Account Card?

    If you would like a replacement card you must get in touch with us by calling Customer Services on 01 705 8000 (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher).

    We will cancel your existing card and a replacement card will be issued to you within 7-10 working days.  

    There is a fee of €5.00 for the issue of a replacement card.

    Back to the top

    What do I need to do when I receive a replacement card?

    If you still have your old card, you must destroy it immediately. When you receive your replacement card please sign the signature strip on the back of the card.
    When you order a replacement card, your Card PIN and your Login Details which you use when accessing your Smart Account online or via the Mobile App will remain the same.

    A replacement card will be issued to you within 5 to 7 working days.

    Back to the top

    How can I keep my card secure?

    You must treat your Smart Account Card like cash. If you card is lost or stolen you must report it to us immediately at 01 705 8000. Failure to report if it is lost or stolen may see you lose some or all of the money in the same way as if you lost cash.

    As a result, you must keep your card safe and not let anyone else use it. You must also keep your Card PIN secret at all times and not reveal it to anyone. We recommend that you regularly check the balance of your account as well as your statements online or via your Mobile App. Mini Statements containing your six most recent transactions are available at all Post Offices.

    Back to the top

    What is a Direct Debit?

    Direct Debits are a simple, safe and convenient way to manage many of your regular bills. You as an account holder authorise the payee (for example a utility or insurance company) to debit your account for amounts owed. The payee will inform you 14 days in advance of each amount and the date your account will be debited.

    Back to the top

    How do I set up a Direct Debit?

    You can complete a Direct Debit Mandate, obtained from the payee (originator) you wish to pay. With some payees, you can set up Direct Debits over the telephone or via the internet.

    Back to the top

    How do I change my Direct Debits to come from My Smart Account rather than my old bank account?

    You need to contact the payee (originator) and advise them of your new IBAN and they will do the rest.  

    Back to the top

    Can Direct Debits be paid from My Main Account or My Wallets?

    Yes, when you login to your Smart Account you will receive a notification to confirm when your Direct Debit has been successfully set up from your Smart Account. You will also be prompted to decide whether you would like your Direct Debit to be paid from your Main Account or a Wallet.

    Back to the top

    How do I change where I assign a Direct Debit to come from?

    If you would like to change which account (Main account or Wallets) your Direct Debit is assigned to you will need to amend the details online. This change will happen instantly.

    Back to the top

    How many Direct Debits can I set up?

    You can set up as many Direct Debits as you require from your Main Account and your Smart Account Wallets.

    Back to the top

    Do I get charged when I fail to pay a Direct Debit?

    Yes, there is a €2.50 charge for failed Direct Debits. If a Direct Debit payment is due and your account and wallet have insufficient money available to cover the full payment the Direct Debit payment will be declined.

    Back to the top

    When I do not have enough money in my account the day before an upcoming Direct Debit is due, how long will I have to pay money in to my account to cover that Direct Debit?

    If you do not have enough money in your Smart Account the day a Direct Debit is due to be paid you will have until 5.30pm on the due date to pay money into the account you assigned that Direct Debit to (either your Main Account or your Smart Account Wallets), thereby avoiding an issue with your Direct Debit and associated fee.

    Back to the top

    What are the advantages of using Direct Debits?

    Paying your bills by Direct Debit ensures you won’t forget to pay a bill on time.

    Back to the top

    How can I cancel a Direct Debit?

    If you want to cancel a Direct Debit you will need to contact the payee, (the originator to whom you are paying by Direct Debit) and request them to cancel it for you. You should also delete the respective Direct Debit from the list of Direct Debits you have set up online.

    Back to the top

    Your Smart Account Credits Transfers

    What is a Credit Transfer?

    A Credit Transfer is a payment to a third party. Your Smart Account allows you to make payments to all countries in the Single Euro Payments Area (SEPA). You can pay from your Main Account or your Wallets. Payments made are deducted from your account immediately and are sent to the receiving financial institution without delay. One received by the beneficiary’s bank the beneficiary’s account will be credited shortly thereafter.

    Back to the top

    How do I register for my online Smart Account?

    Registering your account online is a simple 3 step process. Visit smartaccount.ie and choose the register button to set up your account online.

      1. Enter your user ID, this will be included in your Welcome Letter.  Your User ID comprises of your date of birth in a 6 digit format and 4 additional numbers placed at the end: DDMMYYXXXX
      2. Create your 5 digit self – select PIN
      3. Enter your authentication code. This will be sent to you immediately by SMS

    Once you have successfully completed this stage you can start using your Smart Account online.

    Back to the top

    Which payments and transfers can I make online?

    The payments and transfers that you can make with your online Smart Account are:

    • Payments are defined as, one off and scheduled payments to new and existing payees from your card account or wallets
    • Transfers are defined as one off or scheduled transfers between your Main Account and your Smart Account Wallets.
    Back to the top

    How can I make a payment to a new Payee?

    Log into your Smart Account online, from quick actions choose make a payment. Select New Payee, enter the Payee’s IBAN. You will receive a text message, containing an authorisation code to your mobile phone. Enter the Code. The payee is now set up. You can then select the amount, date and frequency of the payment.

    Back to the top

    How can I send a payment to an existing payee?

    Login to your Smart Account online, from quick actions, choose make a payment. Select the existing payee from the “To” list.
    You can then select the amount, date and frequency of the payment. You can pay from your Main account or Wallets.

    Back to the top

    How can I make a transfer between my Main Account and Wallets?

    Log into your Smart Account online, from quick actions choose make a transfer. Select the wallet you wish to make a transfer to. You can then select the amount, date and frequency of the transfer.

    Back to the top

    Can I review my transactions and balance online?

    Yes, you can view individual balances for your Main Account and your Smart Account Wallets online on account overview on the statements page. You can also search and view up to 6 years of transactions which will be in date order.

    Back to the top

    When can I make a payment?

    You can make a payment at any time online. You need to have money in your account in order to make a payment.

    Back to the top

    How can I assign Direct Debits to My Main Account or Smart Account Wallets?

    If you would like to reassign your Direct Debit from your Main Account or Wallet, select My Direct Debits on the home page, click on the arrow beside the respective Direct Debit to change the Direct Debit payment to either a Wallet or your Main Account. You can reassign a Direct Debit up to 10.00pm on the day before the Direct Debit is due for payment.

    Back to the top

    How long does it take when I transfer money between My Main Account and My Smart Account Wallets?

    The transfer will take place immediately.

    Back to the top

    How do I download the Smart Account App?

    You can download your Smart Account App for free via the Apple Store or Google Play™ store. To start using our Mobile App you must register your mobile device at account opening.

    Back to the top

    How do I register my mobile device to use the Smart Account Mobile App?

    Once you have downloaded the App, you will be requested to verify your details by entering  the same details as you do when you login to your Smart Account online:  

    1. Your User ID
    2. Your Online PIN

    You will then be asked to enter your mobile phone number.  A 7 digit Smart Account App activation code will be sent to your mobile number.  Enter the App activation code and you will be asked to create your own 5 digit App PIN.  The 5 digit App pin is all that you will need when logging back into your Smart Account App.

    This App PIN will be unique to your mobile device, if you use a second mobile device then a second App PIN and registration process will be required.

    Back to the top

    What do I need when logging in to My Smart Account mobile app?

    All you will need to login to your Smart Account App is your 5 digit app PIN.

    You will get 3 attempts to enter your App PIN correctly.  If you enter incorrectly your account will be locked for a period of 10 minutes, you can then retry.

    Back to the top

    What do I do if I have forgotten my 5 digit app PIN for login?

    You will need to (1) deregister your mobile device and (2) then reregister your mobile device. This can be done via your Smart Account online. For further assistance contact, Customer Services on 01 705 8000. (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    Back to the top

    Which payments can I make via my Smart Account app?

    The payments you can make with your Smart Account App are:

    1. Immediate one off payments to existing payees.
    2. Immediate one-off transfers between your main account and your Wallets.
    Back to the top

    How can I send a payment to an existing payee via the Smart Account App?

    You can choose to send a one off payment from the payment section of your Mobile App. You can pay from your main account or Wallets.

    Back to the top

    Can I review my transactions and balance via my Smart Account App?

    Yes, you can view individual balances for your Smart Account or Wallets via your Mobile App.

    Back to the top

    Are payments made using my Smart Account App visible on my online account?

    Yes, all payments made using your Mobile App can also be viewed online and processed as necessary.

    Back to the top

    How secure is managing my finances via the Smart Account mobile App?

    Smart Account uses secure technologies to make sure your finances are safe and secure when using your Smart Account via your App.

    Back to the top

    How do I deregister my mobile device with my Smart Account?

    To do this, you will need to login to your Smart Account online, go to your Personal Details and remove the mobile device in question.

    Back to the top

    How do I lodge money into My Smart Account?

    Using your Smart Account Card you can lodge money to your account at any Post Office in the Republic of Ireland using cash, cheque or debit card.  You also can pay money into your Smart Account by having your salary, benefits or other direct payments sent directly into your Smart Account from anyone who has your IBAN. This must be arranged by the organisation or individual responsible for paying it in.  

    A quick lodge facility is also available for online customers at anpostsmartaccount.ie.

    Important: You can only lodge Euro currency funds into your Smart Account and you cannot lodge funds using a Credit Card.

    Back to the top

    Who can lodge money into My Smart Account?

    Anyone who has your IBAN can pay money into your Smart Account via a Credit Transfer in the Eurozone.

    Back to the top

    Where does money coming in to My Smart Account go?

    All of your payments go automatically into your Main Smart Account. If you wish, you can transfer this money to your Smart Account Wallets by making one off or regular transfers.  

    Back to the top

    How long does it take to credit my account when I lodge to my Smart Account?

    For Post Office lodgements and Quick Lodge the money will be available in your Main Account immediately, if paid by Cash or Debit Card.  For Cheque lodgements allow 10 Working Days.

    For Inbound Credits, account updates take place throughout each working day.

    Back to the top

    What is a Smart Account Wallet?

    The Smart Account Wallet is a secure budgeting tool which helps you manage your money and takes the stress out of managing payments.  There are two Wallets available to you, and you can manage these online or through your Smart Account App.

    Back to the top

    How does a Smart Account Wallet work?

    The An Post Smart Account Wallet is designed to help you budget more effectively. It has two key features which will help you keep your money segregated in order to meet your payment deadlines:

    • Your Wallets can be used as a budgeting tool with payments made by Direct Debit or Credit Transfer with funding from your Smart Account.
    • Money in your Smart Account Wallets is not accessible for card purchases or withdrawals with your Smart Account Card.
    Back to the top

    How do I use a Smart Account Wallet?

    All payments into your Smart Account are automatically assigned to your Main Account.  To transact using Wallets you must first set up a Wallet, this is done online @anpostsmartaccount.ie.  Select Wallets from the quick menu and follow the simple instructions.  You can then transfer money directly from your Main Account to your Wallets.  You can also set up payments to third parties to come directly from your Wallets.  Transfers to Wallets or payments to third parties can be done online or through your mobile App, which is available free via the Apple store or Google Play™ store.  To start using the Smart Account App you must register your mobile phone at Account opening.

    Back to the top

    What are the advantages of Smart Account Wallets?

    There are many advantages of Smart Account Wallets:

    • They remove the need to have additional bank accounts
    • They allow you to be in complete control of your finances
    • They allow you to subdivide spending, budgeting and bill payments
    • They enable you to allocate each Wallet to a certain form of expense
    • You can personalise your Smart Account Wallets by naming them
    • They help protect your money allocated for bills.
    Back to the top

    Do My Smart Account Wallets have to be used for certain payments?

    No, you are in complete control of how you use Your Smart Account Wallets, you can even name them. We recommend that you allocate each Wallet to a certain form of expenses or bill payments. For example:

    • One Wallet could be called ‘Rent & Utility bills’ for regular fixed costs and
    • One Wallet could be called ‘Holidays’ to put money aside for a welcome break.
    Back to the top

    Can I have a Joint Smart Account?

    You can have a Joint Smart Account with a maximum of two account holders who will both be required to attend the Post Office at account opening to be verified against proof documentation.

    Back to the top

    With a Joint Smart Account do both account holders have the same account details?

    Both account holders will share the same account number (IBAN) but you will each have your own unique Smart Account Card, User ID, Online Pin and 16 digit Card Number.

    Back to the top

    To open a Joint Smart Account do both account holders need to register with the same home address?

    No, each account holder can submit separate home addresses. There can only be two persons named on a Joint Account.

    Back to the top

    To open a Joint Smart Account can we just submit one email address?

    For security purposes each account holder will need to submit a separate e-mail address.

    Back to the top

    How many cards can I have with a Joint Smart Account?

    With a Joint Smart Account each account holder will have their own card.

    Back to the top

    How do I close My joint Smart Account?

    You can close your Sole or Joint Smart Account by writing to An Post Smart Account, Account, BillPost, Enterprise House, Cappa Road, Kilrush, Co Clare, V15 VX23.

    Back to the top

    Do my Main Account and Smart Account Wallets have separate balances?

    Yes, they have separate balances. You may have 2 Smart Account Wallets which means that you may have 3 balances overall:

    1. Main Account balance
    2. Smart Account Wallet 1 balance
    3. Smart Account Wallet 2 balance.
    Back to the top

    What is the difference between an Account Balance and an Available Balance?

    The Available Balance is the amount that is available for you to spend from your account.  Your Account Balance will include the Available Balance plus the amount you have allocated to your Wallets, plus  any cheque values  that have yet to be cleared.

    Back to the top

    How can I view My Smart Account balances?

    You can view all of your balances anytime online and through your Smart Account App.  You can also get a mini statement at any Post Office.  This statement will contain your six most recent transactions.  In addition, a quarterly paper statement will issue by post.  It is possible to check your Smart Account balance at certain ATMs.

    Back to the top

    How far back can I view my transaction history?

    You can view and search your transactions from up to 6 years online.

    Back to the top

    Can I receive a paper statement?

    Yes, you will receive a quarterly paper statement by post.

    Back to the top

    Can I use My Smart Account abroad?

    You can still manage your Smart Account abroad by accessing it online or via your Smart Account App. You can also use your Smart Account Card anywhere in the world where the Mastercard Acceptance Mark is displayed. However there are foreign exchange fees and charges applied where the transaction is performed outside the Eurozone. For the fees related to the use of your card abroad please see fee table. For further foreign exchange options when travelling abroad, enquire at your local Post Office.

    Back to the top

    Can I view My Smart Account balance via an ATM abroad?

    Balances can be viewed on your online account or on the Smart Account App. Account balances can be viewed at certain ATM’s, domestically or internationally.

    Back to the top

    Do I need to let Smart Account know when I am going to use My Smart Account abroad?

    No, there is no need to tell us when you are going abroad.

    Back to the top

    How do I contact Smart Account when I am abroad?

    There are many ways you can get in touch, you can call us at 00353 1 705 8000 or visit our Contact Us page online. Please be aware that the cost of calls from abroad may vary. You will need to contact your service provider to find out.  (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    Back to the top

    What payment alerts does The Smart Account Offer?

    The payment alerts which you can choose to receive with your Smart Account are for:

    1. Money Paid In
    2. New Payee Added
    3. New Direct Debit Added
    4. Direct Debits Paid
    5. Direct Debits Failed
    6. Scheduled Payment Paid
    7. Scheduled Payment Failed
    8. New Smart Account Message
    Back to the top

    How can I view my payment alerts?

    You can view your payment alerts by logging in to your Smart Account online or through your mobile device.

    Back to the top

    What happens if my payment alerts expire?

    If a payment alert expires it will remain in your Alerts list, which you can view when you are logged in to your account. You can view all of your alerts in date order. All alerts have an expiry date which you can amend.

    Back to the top

    Can I choose not to have payment alerts on My Smart Account?

    Yes. Alerts are not automatically switched on. You decide which alerts you want to receive through the channel of your choice.

    Back to the top

    Your Funds

    The An Post Smart Account is backed by An Post. An Post keeps all money exchanged for the An Post Smart Account separate and segregated from the assets of An Post in a bank account with authorised credit institutions or in assets approved by the Central Bank of Ireland.

    Back to the top

    Are my funds part of the Central Bank’s Deposit Guarantee Scheme?

    No, An Post is not a member of the Central Bank’s Deposit Guarantee Scheme as this scheme is restricted to credit institutions only. Your funds are managed by An Post and placed with authorised credit institutions or in assets approved by the Central Bank of Ireland.

    Back to the top

    If my funds are not guaranteed, what happens in the event of a financial crisis?

    In the unlikely event of a default by one of An Posts counterparties An Post will be responsible for making good the shortfall in funds. You should note that this is a payment account and therefore we do not recommend that you maintain large balances on this account. An Post has more suitable products available for savings and would be happy to discuss your options. Please contact your nearest post office for more information or visit our website  www.anpostsmartaccount.ie.

    Back to the top

    Are my funds 100% secure?

    Your funds are managed by An Post and are held in a segregated account with authorised credit institutions or in assets approved by the Central Bank of Ireland. In the unlikely event of a default by one of An Posts counterparties An Post will be responsible for making good the shortfall in funds.

    Back to the top

    What happens if the amount I have on deposit exceeds €100k

    There is no limit on the balance you may maintain in your account. Your funds are managed by An Post and placed with authorised credit institutions or in assets approved by the Central Bank of Ireland. You should note that this is payment account and therefore we do not recommend that you maintain large balances on this account. An Post has more suitable products available for savings and would be happy to discuss your options. Please contact your nearest post office for more information or visit our website www.anpostsmartaccount.ie.

    Back to the top

    Like other An Post financial products, are my funds State guaranteed.

    An Post’s range of State savings products are guaranteed. However the An Post Smart Account is a current  account and is not State guaranteed. Your funds are managed by An Post and placed with authorised credit institutions or in assets approved by the Central Bank of Ireland. You should note that this is payment account and therefore we do not recommend that you maintain large balances on this account. An Post has more suitable products available for savings and would be happy to discuss your options. Please contact your nearest post office for more information or visit our website www.anpostsmartaccount.ie.

    Back to the top

    Explain segregated funds

    These are funds that are held in accounts separate from the assets of An Post and held for the account of the individual owners of an An Post Smart Account. The funds are managed by An Post and placed with authorised credit institutions or in assets approved by the Central Bank.

    Back to the top

    Where are segregated funds held, in Ireland / EU?

    The funds are managed by An Post and placed with authorised credit institutions or in assets approved by the Central Bank. Funds are managed in line with An Posts Treasury Policy which varies from time to time in line with market conditions. Funds are primarily placed with institutions and assets within the EU.

    Back to the top

    What is The Smart Account MoneyBack Programme?

    The Smart Account MoneyBack Programme, offers you the ability to get real cash into your Smart Account by using your Smart Account Card at selected retailers and partners.

    Back to the top

    How does Smart MoneyBack work?

    When you make a payment at participating retailers using your Smart Account Card you will receive MoneyBack based on the value of the goods bought throughout the month and a MoneyBack payment will be made to your account the following month. You will get one payment per month which will be a total of MoneyBack generated from your purchases at participating retailers and partners from the previous month.

    Back to the top

    Can I view what Smart MoneyBack I have received?

    Yes, you can see how much you save from MoneyBack by logging on to Your Smart Account online or through your Smart Account App and viewing your Account Overview. MoneyBack values are updated on a monthly basis, at the end of the month following the month in which transactions took place.

    Back to the top

    What retailers are in the Smart MoneyBack Programme?

    .Our full list of retailers and partners is available from smartaccount.ie/moneyback.

    Back to the top

    Forgotten Your Password or Online PIN?

    Don’t worry, it is quick and easy to set up a new one! You can do it anytime, online.

    To do this, simply go to the Login page of your account. You will need your User ID and there will be an option to click Forgotten Your Online PIN. Select your new PIN, you will receive an Authorisation Code to your mobile phone. Enter the code and you can reset your PIN.

    Back to the top

    Forgotten Your User ID?

    Don’t worry it is quick and easy to get a reminder of what your User ID is! You can do it anytime, simply call Customer Services at 01 705 8000.

    Back to the top

    Forgotten Your Card PIN?

    Don’t worry, it is really quick and simple to get a reminder, simply call 01 705 8000. (This is our automated Card PIN retrieval line open 24/7.)

    Remember: Please keep your Card PIN secret at all times and do not disclose it to anyone. Never write it down or record it in any way.

    Back to the top

    Want to change Your Card PIN?

    You can change your Card PIN to something more memorable at most ATM machines. You just need to have your An Post Smart Account Card available, enter your existing Card PIN and follow the instructions.

    Back to the top

    Want to Change your Name or Home Address on Your Smart Account?

    For a name change you will need to send us a certified copy or an original document of your legal documents, i.e. marriage certificate, deed poll.
    For an address change you will need to write to us at the address below, sending proof of your new address, such as a household bill.
    All documents should be sent by Registered post to;
    Smart Account, BillPost, Enterprise House, Cappa Road, Kilrush, Co Clare, V15 VX23.

    Back to the top

    Want to change your E-mail Address or Telephone Number for Your Smart Account?

    You can change your e-mail address by logging on to your Smart Account @anpostsmartaccount.ie, go to My Details, and follow the instructions.

    To change your mobile phone details you will need to call Customer Services on 01 705 8000.

    Remember: You will not be able to update and/or modify your personal details within 3 months of opening the account and your personal details can only be changed twice a year (for security reasons). If you require changes within this three month window, or more than two changes a year please call Customer Services on 01 705 8000.

    Back to the top

    What should I do if I need help with My Smart Account?

    If you need help contact us anytime, our supports are available 24 / 7 / 365.

    Online: why not explore our website at smartaccount.ie, where you will find an extensive range of Advice and Support.

    You should be able to find an instant answer to your question by searching our Frequently Asked Questions or by using our online search bar.  

    If you cannot be helped by the above please visit our Contact Us page for details on how to get in touch.

    By Phone: Customer Services on 01 705 8000 (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher). We will do all we can to help you with your query.

    By E-mail: Contact us at customerservices@smartaccount.ie.

    By Post: Smart Account, BillPost, Enterprise House, Cappa Road, Kilrush, Co Clare, V15 VX23.

    Back to the top

    How do I make a complaint?

    If you have a complaint let us know and we will do all we can to help you. Get in touch by calling us at 01 705 8000, letting us know online @ customerservices@smartaccount.ie or by writing to us at Smart Account, BillPost, Enterprise House, Cappa Road, Kilrush, Co Clare, V15 VX23.

    You may also contact the Office of the Financial Ombudsman at www.financialombudsman.ie or write to The Financial Services Ombudsman, Third Floor, Lincoln House, Lincoln Place Dublin 2, DO2 VH29.

    Back to the top

    What are the opening hours and phone number of Customer Services?

    Our Customer Service Line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher. To get in touch call: 01 705 8000.

    Back to the top

    In an emergency can I get money from My Smart Account immediately?

    Yes, in the event of your card being lost, stolen or damaged you can get up to €200 in emergency cash, provided your account is in credit to this amount at any Post Office, during Post Office opening hours. This is possible by logging onto your Smart Account online @ smartaccount.ie (go to Quick Actions – Emergency Cash) or by contacting our Customer Services on 01 705 8000. (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher).

    Back to the top

    How do I close My Smart Account?

    You can close your Smart Account by writing to us at Smart Account, BillPost, Enterprise House, Cappa Road, Kilrush, Co Clare, V15 VX23.

    For more information see Smart Account Terms and Conditions.

    Back to the top

    How do I block My Smart Account card?

    In the event of suspected fraud you can block your Smart Account Card by calling Customer Services on 01 705 8000. (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    When your card is blocked you cannot carry out any withdrawals or purchases with your card. However, you can still access your account online and any Direct Debits or scheduled payments can still be made or received.

    Back to the top

    How do I unblock My Smart Account card?

    If our investigations show that no fraudulent activity has occurred on your account, you can have Your Smart Account Debit MasterCard unblocked by calling Customer Services on 01 705 8000. (Our Customer Services line is open 24 hours a day, 7 days a week. Calls are charged at your standard network rate. Calls from mobiles may be higher.)

    Back to the top

    Are there any account or usage limits?

    Yes, please see table below for limits

    Limits
    Account Features Per Transaction
    Daily Cash Lodge limits Post Office

    Daily Debit Card Load

    Online limit per Beneficiary

    Minimum lodge limit

    €5,000

    €5,000

    €2,000

    €1

    Maximum Daily Post Office withdrawal

    Withdrawals of €1,000 or more will require photo ID.

    €3,000
    Maximum Daily ATM withdrawals limit €600*
    *May vary at ATM’s outside the Republic of Ireland
    Back to the top

    What does it cost to use The Smart Account?

    To use The Smart Account there is a €5.00 monthly maintenance fee. This covers a wide range of everyday transactions. Some of the other features and benefits of the Smart Account may have additional fees, these are charged at the time of the transaction. See Fee Table to view all costs.

    Back to the top

    Where will the costs of using My Smart Account be deducted from?

    All fees will be deducted from your Main Account. We will never take fees from your Smart Account Wallets.

    Back to the top

    Fee Table

    Transactions Republic of Ireland & Eurozone Fee
    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
    Contactless Payments *
    Smart Account online transactions *
    Smart Account online Quick Lodgement €0.50
    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
    OTHER FEES
    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 €5.00
    Replacement of PIN *
    Ad hoc / Duplicate Statement €5.00
    SMS Messaging €0.05
    E-Mail Alerts *

    (1) Cashback, 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.


    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.

    Back to the top

    When are fees applied

    The €5.00 monthly maintenance fee will be applied in the month following the month due. Transaction fees such as ATM transactions are applied at the time of the transaction.

    Back to the top