Post Office Money® | Matched credit card

45 reviews

19.9% Representative

Intro purchase rate: 0% for 25 months

Purchase rate: 19.9%

Representative example:

Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so when borrowing £1,200 the Representative APR will be 19.9% (variable).

Post Office Money® | Matched credit card customer reviews.

45 reviews

2.4 out of 5 stars

Poor application process
16:12 17-08-2018
ImageSmart Money People

Went online to apply for one of there credit cards used the pre check to see if I would be approved and it came back saying that I was 9.5 out of 10 of being accepted so I carried on with the application and submitted it to then be told we need to see your last 3 months bank statements to see your income before i can issue you a card I have never had this before with any other credit cards so I go to the bank and get them and post them as there's no other way as they are still running in the stone age ! Then I get a letter about 10 days later saying the bank statements that I sent were no good as only my surname is on them so what a waste of my time now i have gone and got a search on my credit file for nothing if you try ringing you will be waiting a long time I just gave up. Went to another credit card company gave me an £1500 limit straight away and 0% Balance transfer for 36 months.


a right cowboy outfit
07:51 17-07-2018
ImageSmart Money People

Post office been with them over 20 years had no defaults and paid up on time if not before time , asked to up credit limit and was declined no reason give , I suspect its because I have paid up all the time and they are not making any money out me , a credit card is needed for most car hire abroad of which i needed it for , as prepay credit cards , debit cards are not taken , so the post office has now ruined the propect of holidays abroad with there petty minded ways , I will now be canceling the card and going to a reputable banking establishment than using a crooked firm as the post office , and boycock the post office completly rip podt office


Over charging rip off!!
13:01 11-07-2018
ImageSmart Money People

ZERO STARS!!! BEWARE!!! Since Febuary 2018 I have made the min payment every month on time. Despite my balance reducing each month the interest charged increased as did the monthly payment. For example, the interest in March was £106.48 then £115.11 in April. In May it was £103.03 and then in June £105.16. The min payment in March was £164 and then £172 in April and £175 in May. When I rang customer service to ask how I can be charged higher interest and payments each month on a reducing balance they could not explain, even after the representative agreed with me that it wasn't what she'd expect and asked her manager for advice. They are now sending me a letter which will, apparently, explain the inexplainable. I've had credit cards for 25 years and no other company increases charges like this.

Nick B

Terrible customer service
09:26 03-04-2018
ImageSmart Money People

Agent was not listening to me when I was giving my details had to repeat myself a number of times. Robert didn’t know basic facts on my account then answered with offers for balance transfers are not on the account have been removed until the new financial year. Once Robert had got his facts straight after supposedly speaking with his manager he processed my request. I then asked exactly how much was the charge he replied with the percentage. I asked well could you tell me that in the actual pound figure he replied I’m not able to give Financial advice and said need to get a calculator and work it out myself.

Just me

Excellent card & customer service
11:57 06-11-2017
ImageSmart Money People

No fuss, high credit limit and long 0% on purchases. Customer service have always been friendly and helpful - got an additional card with no fuss. Easy!

Emma Hutchings

Good card but not great customer service
17:51 03-11-2017
ImageSmart Money People

It’s been a great card in terms of having 30 month Interest free and the app being easy to use but their customer service isn’t great. I accidentally changed my direct debit from minimum payment to balance in full. I phoned to explain and they told me the refund would be back in my account within 5-10 days. It took 3 phone calls and 18 days to finally receive a cheque from them which then took another 5 days to clear. 23 days is a long way away from 5-10 and I got no apology.

Jordan Jarmain

Terrible customer service
08:33 22-09-2017
ImageSmart Money People

The post office have the worst customer service I have had the unfortunate luck to come across. Their telephone assistance is downright disgraceful. Firstly they wouldn't let me tell them I was intending to go abroad unless I downloaded the app! I was on the telephone telling them but they refused to log it unless I downloaded the app. Secondly I made a balance transfer and this left my card in credit. I cut up the card and telephoned to advise them that I wanted to refund the credit and close my account. Simple you would think. Oh no , not with the post office. You need to ring list and stolen , order a new credit card , wait for it to come , register it , ring them back and cancel it then cut it up ! !! What a waste of time and money !!!! This must cost their company thousands and cause customers a head ache. No wonder my shares are dropping. The advisors don't let you talk to a senior , it's just a disgrace. Unless you have lots of time and patience I wouldn't bother with this company it's awful


11:50 12-09-2017
ImageSmart Money People

Amazing insurance and never had a problem

Yasmin Walmsley

Easy, efficient, and handy
10:42 15-08-2017
ImageSmart Money People

I've been very impressed with my PO credit card. I got a long 0% deal, which was very useful at he time, and have found their service easy and efficient, quick to set up, and well organised. They have an app for your phone which makes it very easy to make payments, and keeps you informed of the figures and payments etc, and they also send an email once a month reminding you of payments due. Overall, easy and efficient - recommended!

Jane Chamberlain

Foreign holiday helper
19:40 14-08-2017
ImageSmart Money People

I 've been using my post office card for years for my hols. Often give 0 per cent offers and also a great app.

Rosanna Howard

Our review of Post Office Money® | Matched credit card

The Post Office Money Matched Credit Card does come with a representative APR which is fairly standard across competitors, but there are also a number of extra benefits that customers can take advantage of. The 0% applied to balance transfers for 25 months, as well as purchases for 25 months gives customers a chance to pay towards existing debts they may have transferred as well as keeping monthly payments to a minimum.

The management facilities for the Money Matched Credit Card are some of the best out there, and customers have complete control of their account, right down to being able to view and change their PIN number – something which is usually done over the phone, in writing or in branch for the traditional banks.

One thing to mention is that the Post Office has been named as a recommended credit card provider for Which?, and this was awarded in April of 2016. Although there are no online reviews specific to the money Matched Credit Card, the Post Office as a whole has a TrustPilot rating of ‘bad’, however, it does need to be kept in mind that this is for everything the Post Office provide, including their mail services. Looking in more detail at their financial-based reviews the customers seem to be particularly unhappy with the disorganisation, rude customer service team and being charged when it was not their fault.

Overall verdict: Although the Post Office might be thought of as just letters and parcels, they do actually have quite a wide product offering. They’re a trusted name and the Money Matched Credit Card has a decent representative APR and good financial benefits. A great option if you want complete visibility and control over your card.

Written by: Alex


  • 0% interest on purchases for 25 months
  • 0% on balance transfers for 25 months
  • Buy travel money with no cash fee
  • Online shopping security
  • Manage account with mobile or tablet with the app

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • You must have a current bank or building society account
  • You can’t have a Post Office credit card
  • You must be employed, retired or a homemaker
  • Your annual income needs to be over £8,000
  • No CCJs


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Post Office Money® | Matched credit card

The Post Office Money Matched Credit Card has a representative APR of 19.9% and a minimum credit limit of £1,000. The maximum limit that can be offered is decided by the Post Office and will take into account the applicant’s previous credit history and personal circumstances. Matched Credit Card holders can benefit from 0% on purchases for the first 25 months, as well as 0% on balance transfers for 25 months.To be eligible for these you will need to make a purchase or balance transfer within the first three months of opening the account.

There is no annual fee for the Matched Credit Card, but there is a fee of 2.89% on balance transfers. If you go over your credit limit or don’t pay on time, not only will you lose the privilege of the special 0% rates, but you’ll also incur charges of £12 each instance.

The account for the Matched Credit Card, can be managed over the phone, online or using the dedicated free Post Office mobile app. If you are going to manage your card online then you’ll be able to view your current balance, credit limit, payment due dates, make a payment, make a balance transfer and change your PIN.

Company information

Registration number: 2154540


Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ

FCA registration

Reference No: 409080

Trading names: Post Office Limited, Post Office Money

Place of business: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ

Data protection registration

Registration No: Z4866081

Data controller: POST OFFICE LTD

Address: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ

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