24/7 online access

24/7 online access

Available 24 hours a day

Smart Account online services

As a Smart Account customer, you have access to a wide range of financial services online – 24 hours a day. You can conveniently transfer money online, get salary payments, send and receive funds from other accounts, check balances and transfer money to your Account Wallets. Everything you’ve come to expect from a current account is at your fingertips.

Your Smart Account includes 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 the free Smart Account App. Online account registration is required to use the Account Wallets.

Wherever you are, whatever device you are using – Smart Account online services put you in full control of your finances.

24/7 online access

Smart Account App

Keeping track of your finances has never been easier and safer. The An Post Smart Account App is free to download on the App Store® or on Google Play™. To start using the free Smart Account App you must have registered your Smart Account online.

The power is at your fingertips to:

  • View balances for your Smart Account and Wallets
  • View Direct Debits you’ve setup already
  • View scheduled money transfers
  • View scheduled payments
  • View statements
  • View your transaction history
  • Make payments to existing payees
  • Transfer money between your Main Account and Wallets
  • Setup scheduled payments
  • Setup scheduled transfers
  • Contact Smart Account via the in-app messaging
  • Add Joint/Sole account (you can only have one sole and
    one joint account)
  • View T&Cs

24/7 for convenience

Always online, Smart Account is available on all of your online devices to put the power in your hands. You can manage your finances online and via the Smart Account App 24 hours a day – securely, effectively and conveniently.

Smart Account offers:

Smart Account offers:

  • Direct debits and credit transfers
  • A Chip & PIN and contactless enabled Mastercard Debit Card, which can be used in retail outlets, online and at ATMs worldwide wherever you see the Mastercard acceptance sign
  • 24-hour access to your Smart Account online and via the Smart Account App
  • In store services at any Post Office
  • 24/7 customer service support
Unlike traditional accounts, Smart Account has:

Unlike traditional accounts, Smart Account has:

  • Account Wallets – Your Smart Account has two secure Wallets that you can use online to put money aside to keep for a rainy day, pay bills or use for that special event.
  • Smart Alerts – Smart Account customers may choose to receive payment alerts via e-mail or Smart Account online.
  • Smart MoneyBack – Shop with selected Smart MoneyBack partners and get Smart MoneyBack into your account.
  • Low Fees – Your €5 monthly fee covers a wide range of services. See Smart Account Fee Table to view all costs.

How to Get Started with Smart Account

Setting up a Smart Account is quick and easy:

Setting up a Smart Account is quick and easy:

  • Apply online now or pick up an application form in any Post Office.
  • Alternatively you can download an application form. You may open an Individual Account and/or a Joint Account. Multiple accounts are not permitted.
  • Bring your completed application form and proof of identity documents to your local Post Office.
  • 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.
  • On receipt of your Welcome Pack, sign the reverse of your card and call 01 705 8000 to activate your card.

You must be at least 16 years of age and a resident of the Republic of Ireland to apply for the An Post Smart Account. A credit check is not performed and your credit rating will not be affected.

Once your account is activated, getting online is fast.

Once your account is activated, getting online is fast.

  • Select the ‘Register’ button at the top of the page
  • Enter your User ID number from the Welcome Letter.
  • Create your 5 digit Self-Select Online PIN.
  • You will receive a PIN confirmation text on your mobile phone to enter online.
Finished! You can now start using Smart Account online.

Finished! You can now start using Smart Account online.

Manage all aspects of your Smart Account online or if you are on the move via the Smart Account App. The An Post Smart Account App is free to download on the App Store® or on Google Play™.

Ready to open your account with us?

How to open an account