This Agreement applies to your An Post Smart Account. You must read it carefully. By applying for or using your An Post Smart Account, you are agreeing to the terms set out in this Agreement. Your rights and obligations in relation to your An Post Smart Account are as set out in this Agreement.
The An Post Smart Account is a current account with a dedicated BIC and IBAN and a Mastercard Debit Card issued by An Post. An Post is authorised to provide the services specified in the Postal and Telecommunications Services Act 1983 (Section 67) Order 2016, (Statutory Instrument Number 170 of 2016), which is made pursuant to Section 67 of the Postal and Telecommunications Services Act 1983. An Post’s registered office is General Post Office, Lower O’Connell Street, Dublin 1, D01 F5P2.
The An Post Smart Account is backed by An Post. An Post keeps all monies exchanged for an 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.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
An Post is regulated by the Central Bank of Ireland for payment services.
means all monies in your An Post Smart Account, including in Account Wallets, minus pending Point of Sale (POS) and/or ATM transactions.
means these Terms and Conditions governing the use of your An Post Smart Account.
“An Post Smart Account” or “Account”,
means the An Post Smart Account governed by this Agreement, which is a current account provided to you (and/or to you jointly with someone else) with a dedicated Business Identifier Code (BIC) and International Bank Account Number (IBAN) along with a Mastercard Debit Card issued by An Post and includes any of your associated An Post Smart Account Wallets.
means the An Post Smart Account mobile application through which the An Post Smart Account may be accessed.
means automated teller machine, i.e. cash dispenser.
means the value at any given time of unspent funds in your An Post Smart Account and available to pay for transactions and costs and charges payable under this Agreement. Available balance does not include any amounts held in Account Wallets or any un-cleared payments.
“Account Wallet” or “An Post Smart Account Wallet”
means your secure budgeting tool provided to you under this Agreement.
“Card” or “An Post Smart Account Card”
means your An Post Smart Account Mastercard Debit Card issued to you under this Agreement.
means the named An Post Smart Account cardholder to whom the debit card is issued.
means a cash back facility which Merchants may offer when making Card purchases.
are the methods by which you may access the An Post Smart Account and our services. These include Post Offices in the Republic of Ireland, authorised agents, ATM network, Internet banking services via our Website, through the App or by other such methods as prescribed by us from time to time. The An Post Smart Account and services that may be accessed and utilised may vary across the different Channels and the limits applicable to particular transactions or services may also vary across the different Channels.
means a natural person not acting in a business capacity.
if there is anything you do not understand please contact us as follows: Telephone 00 353 1 7058000 or Postal address: An Post Smart Account, BillPost, Enterprise
House, Cappa Road, Kilrush, Co Clare, V15 VX23, Ireland or email:
is an arrangement that allows a third party to withdraw money from an individual’s account on agreed dates, typically in order to pay bills. Direct Debits are initiated by your creditor and are subject to the SEPA direct debit scheme rules.
is the An Post Smart Account in the name of, and jointly held by, two people.
“Lost or Stolen Contact Number”
means 00 353 1 7058000 which you should contact immediately to cancel your card if lost or stolen.
means a provider of goods and/or services who accepts the An Post Smart Account Card as a means of payment whether by distance means (e.g. by telephone and on-line) or
over the counter (as applicable), including, without limitation, Participating Retailers.
means the list of selected retailers participating in the Smart MoneyBack Programme.
means the point of sale within a Merchant where your An Post Smart Account Card can be used for purchases.
means any PIN(s) or other security code(s), including without limitation Internet or other password(s) issued by us to you or created by you in accordance with our instructions or other procedures and such other personalised devices and/
or security procedures that may be introduced in respect of the operation of the An Post Smart Account from time to time.
is the Single Euro Payments Area where individuals and companies are able to make and receive payments in euro,
whether between or within national boundaries under the same conditions, rights and obligations regardless of their location within that area.
occurs when a transaction is completed when there are insufficient funds for that transaction.
means the offer of money back, based on Smart Account Card purchases made at a Participating Retailer.
“Smart MoneyBack Programme”
means the retailer reward scheme as set out in Section 21.
“We”, “we”, “Us”, “us”or “Our”, “our”
refer to An Post.
means a day between and including Monday to Friday, between 9am and 5pm except for bank or public holidays in Ireland;
“You”, “you”and “Your”, “your”
refer to the Account and Cardholder.
For the avoidance of doubt, subject to Section 6 (f) (iii) above, this Agreement will terminate immediately in the event of your death.
An Post does not guarantee that any individual Merchant will accept the An Post Smart Account Card.
If you wish to make a complaint, you may call Customer Services at 00 353 1 705 8000 or you may do by writing to:
Complaints Manager An Post Smart Account BillPost
Enterprise House Cappa Road Kilrush
Co Clare V15 VX23
If you are not satisfied you are entitled to take your complaint to the Financial Services Ombudsman at the following address:
Financial Services Ombudsman 3rd Floor Lincoln House
Lincoln Place Dublin 2 D02 VH29
Email: firstname.lastname@example.org Lo Call 1890 882090 or 353 1 6620899
This Agreement is governed by the laws of Ireland and is subject to the exclusive jurisdiction of the courts of Ireland. If any clauses or parts of clauses are ineffective, the effectiveness of the remainder of this Agreement shall not be affected.
A full list of fees and charges is available at smartaccount.ie or at Post Offices.
Phone: 00 353 1 705 8000
An Post Smart Account