An Post Money Classic is more than just a regular credit card. It offers unique benefits such as interest-free balance transfers for 12 months, full management through a mobile app, and the option to add up to three additional cards. We will guide you through the application process and tell you everything you need to know to get it.
What do you need to be eligible?
☑️ Be 18 years of age or older
☑️ Reside in the Republic of Ireland
☑️ Provide proof of identity and current address
☑️ Provide PPS number
Required documents to submit
📄 Passport or driver’s license as proof of identity
📄 Utility bills or bank statements to prove address
📄 Papers with PPS number, such as a current payslip
Final approval depends on the bank’s decision, and additional documents may be required.
How to Apply for An Post Money Classic?
The application process is quick and fully online. Go to the An Post website and find the credit cards section. Carefully fill in your personal details and upload the required documents through the Document Hub. Every step is done in a secure and simple way.
Once you have submitted the application, it will be assessed quickly. If your application is not approved, don’t worry. You can reapply after a certain period of time.
How to make monthly payments?
There are several options available to make monthly payments. You can pay by debit card, through automatic transfer, or directly through the An Post app.
Pay attention to the payment dates. To avoid additional interest, it is recommended to clear the full balance each month within the interest-free credit period of up to 56 days.
Costs and Fees
There are some costs associated with An Post Money Classic. The APR is 22.9% on purchases. For balance transfers, there is a 0% rate for 12 months, but the standard APR is applied afterwards. There is an annual fee of €30 as a government stamp duty.
If payments are missed or delayed, additional fees may apply. Therefore, it is important to adhere to the terms and conditions.
In a nutshell
An Post Money Classic is great for those looking to consolidate debts or manage payments easily. It offers a comprehensive solution with app management and flexibility with up to three additional cards free of charge.
Although there are some associated fees, the benefits can be valuable if used wisely. For those who do not prioritize rewards programs, it is a reliable option.
The next step towards effective management
It is essential that you are informed before making a more assertive choice! Now that you know about the An Post Money Classic card, why not start the application process?