Flex Credit Card | 0% Purchase APR and 5.9% Money Transfers*

Why choose the An Post Money Flex Credit Card?

Use our online application to check your eligibility in seconds and receive approval in principle in minutes.

0% interest on purchases

Pay off your purchases with no interest at all for 9 months**

Boost your bank balance

Move money from your Flex Credit Card to your current account and repay it over 2 years at just 5.9% interest.Move from €100 up to 95% of your available credit limit**

Bonkers.ie's Credit Card of the Year

Four times winner of Ireland's best Credit Card in 2022, 2023, 2024 & 2025!

Understanding your Flex Credit Card

Transaction type	Annual Percentage Rate (APR)	Variable interest rates	Fixed interest rates
Purchases	15.7% or 22.9%+	10.8% or 16.8%+
Cash withdrawals		16.8%
Introductory offer on purchases			0% for first 9 months**
Money transfers			5.9% for 24 months**

Get a Flex Credit Card today

Apply online or call our dedicated team on 01 9456714 (8am-8pm Monday to Friday, and 8am-2pm Saturday excluding Bank Holidays).

Check your eligibility Credit Card benefits

Fast track your Flex Credit Card

You will need to provide the following documents.

Proof of Identity

Such as Passport / Driver's Licence

Proof of Address and Income

Such as a utility bill and up to date bank statement

Proof of PPS number

Such as a recent payslip

Bonkers.ie best Credit Card four years in a row

Bonkers.ie winner badges for An Post Money Best Credit Card 2022 to 2025

Things to know

The quickest and easiest way to set up or amend your direct debit is by using our Credit card online direct debit mandate provided by our third-party partner, DocuSign.

DocuSign is a company that provides corporations and individuals with electronic services in document management. It allows people to put their digital signatures on documents, such as contracts and agreements, using its secure technology. Entities that use DocuSign's services can authenticate entities, individuals, documents, and workflow, along with user identity management electronically. For more information, please read Privacy Notice | DocuSign.

Once you have completed the form you will receive a confirmation email with the document attached. Please note the following:

It can take some time for your new direct debit to be active and ready to take payments from your bank account. In the meantime, you may need to make an additional payment if your direct debit isn’t set up in time for your payment due date. You can use your debit card to make it, by calling us on 0818 205 410.
If you have multiple credit card accounts with us, you must fill in a direct debit mandate for each account.
Direct debits cannot be set up from a savings account.
If you are setting up the direct debit from a joint account and both signatures are required, you must download the credit card printable direct debit mandate, print it, have both parties sign the mandate, and return it to us by post.
If you do not wish to fill the form out electronically, you can download the credit card printable direct debit mandate, print it, sign it and post it back to us.
You cannot set up a fixed direct debit, you must set up to pay either the full monthly balance or the minimum monthly balance that is due.

A money transfer lets you move money directly from your credit card to your personal bank account. To arrange a money transfer, call us on 071 959 4164. If you transfer before 2.30pm on a weekday, the funds will be credited to your account in one business day. Transfers completed after 2.30pm or on weekends and bank holidays will take two business days.

Money Transfers are available to the main cardholder only and subject to credit approval. You can transfer from €100 up tp 95% of your credit limit.
The interest rate for Money Transfers on the Classic Credit Card is the same as the standard variable rate on your card (16.8%).
When the Money Transfer offer ends on the Flex Credit Card any outstanding amount will be charged interest at your standard variable rate (16.8%).

Credit card fees and charges:

Interest calculation and charges

Interest is charged on all transactions, handling fees and default charges starting on the date that they are posted or applied to your account and ending on the date that you pay the total account balance in full.

You will not be charged interest on the card purchases shown on your current statement, if you pay off the total account balance shown on that current statement by the payment due date shown on that statement, provided you have also paid off the total account balance shown on the previous month’s statement by the payment due date shown on that statement.

We calculate interest each day so the earlier you make the payment, the less interest you will have to pay. Other transactions such as cash withdrawals and gambling will accrue interest daily. Interest will appear as a “finance charge” on your statement.

Default fees and charges

Fee type	When applied	Amount
Cash-transaction handling fee	Any transaction that gives you cash or something similar using your card or card number, such as foreign currency, traveller's cheques, postal orders, gambling, or electronic cash transfers which are not money transfers.	1.50% (there is a minimum charge of €2.50)
Foreign-currency fee	Commission on transactions made outside the Eurozone.	2.65% of the value of the transaction
Late fee	Charged if your minimum payment isn’t received by the payment due date, as per your statement. Missing your payments could have severe consequences for you and make obtaining credit more difficult.	€15.24
Over-limit fee	Charged once per month if your balance goes over your credit limit at any time during that statement period.	€12.70
Processing fee	Charged for all payments made over the counter at the An Post post office.	€1.09
Other Charges
Government stamp duty	Stamp duty is charged annually by the Government on applicable Irish credit card accounts. This charge is applicable to each unique card/account you have in your own name. This stamp duty may change on a yearly basis depending on the annual budget. The stamp duty is charged on the 1st of January, in arrears for the previous year. If you require any further information on the Government Stamp Duty, all relevant legislation can be located on the www.revenue.ie website.	€30.00

Do you have a Credit Card balance?

The An Post Money Classic Card offers 0% interest for a whole year on balances transferred

Classic Credit card

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Get in touch

If you have any questions about our credit card or your application, please contact our customer service team.

Your Credit Card app is here!

View your balance and transactions details
Approve online purchases
Get alerts for activities on your card
Freeze/unfreeze your card instantly
Make a payment to your account with a debit card
Set up Apple Pay or Google Pay

Are you an existing Credit Card customer?

Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit report, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.

*Source Bonkers.ie
**Information correct as of 16^th January 2026, source CCPC.ie. Lending criteria, terms and conditions apply. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. Money transfers are available to the main cardholder only and subject to credit approval. Standard variable rate 16.8% nominal, 22.9% Annual Percentage Rate (APR) will apply once the introductory period ends. Representative example: 22.9% APR assumes €1,500 credit limit drawn down in one transaction and repaid over 12 months in equal monthly instalments, and Government stamp duty of €30. Total amount repayable €1,666.50, cost of credit is €166.50.
+Rate is based on your financial profile and credit history.

The An Post Money Flex Credit Card is issued by Bankinter S.A. pursuant to license by Mastercard International Incorporated. An Post acts as a credit intermediary exclusively on behalf of Bankinter S.A., who provide loan and credit card services and facilities.
An Post trading as An Post Money is authorised as a credit intermediary by the CCPC. Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.

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