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Post Office Money credit card review

Find out how Post Office Money has been rated for its overseas fees, customer service, mobile app and more in our latest customer satisfaction survey.

In this article
What do Post Office Money cards offer? How does Post Office Money compare to other providers? Is Post Office Money a good credit card provider?
Which Post Office Money credit card is best? How we calculate Post Office Money's customer score and ratings Post Office Money credit card FAQs

What do Post Office Money cards offer?

The Post Office offers credit cards through its Post Office Money brand.

The selection includes a competitive 0% balance transfer. But The Post Office's Platinum card attracts the highest praise for its lack of fees on purchases made overseas and the option to get fee-free travel cash.

How does Post Office Money compare to other providers?

The Post Office achieved a slightly below average customer score of 71% in our latest credit card satisfaction survey and drops to joint 14th position.  

Credit Cards
Post Office review
Which? Customer Score
=14th out of 29 credit card providers
71%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Post Office Money a good credit card provider?

Our survey also reveals how Post Office Money customers rated the provider across 10 categories. 

Find out in the table below how Post Office Money scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service and query handling.

Post Office credit card satisfaction

 

Star rating
Customer service

3 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries 3 out of 5
Dealing with complaints 3 out of 5
Ability to manage online 3 out of 5
Ability to manage by mobile app 3 out of 5
Ability to manage by telephone banking -
Charges for using your credit card abroad 4 out of 5

Which Post Office Money credit card is best?

You can explore the best Post Office Money credit card deals using Which? Money Compare.

How we calculate Post Office Money's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

 

Post Office Money credit card FAQs

 

Does Post Office Money offer an eligibility check?

 

Yes. Post Office Money offers a tool called Fast Checker which can tell you if you’re eligible for a card before applying.

The tool does a ‘soft search’ of your credit file, so it won’t impact your credit score.

 

Where are Post Office Money credit cards accepted?

 

Post Office Money credit cards are issued under the Mastercard network, so are accepted at millions of places in the UK and abroad.

 

Can I use my Post Office credit card abroad?

 

Yes, but only the Platinum card offers fee-free spending. Fees will apply if you use the Matched and Balance Transfer credit cards abroad.

 

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