Frequently Asked Questions
Before you go
If you order your card online it will be delivered to your home address in 2-3 working days. If you require a card in a shorter time please check with your local Post Office branch. Exchange rates vary between online and branch.
You can load any of the following currencies on to your card. Only one currency can be added at a time. Euro, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars, Thai Baht, UAE Durham, Croatian Kuna, Turkish Lira, South African Rand, Swiss Francs, Polish Zloty or Pounds Sterling.
We recommend that you load the currency of the country that you are travelling to. If we do not offer that currency we recommend that you load Pounds Sterling on to your card.
No. We will carry out an electronic address verification check based on the information you provide. This will be stored but will not affect any credit rating.
Please follow the instructions on your welcome letter. Once you have your card you will need to activate it before it can be used. We also recommend you download our Post Office Travel app from the App Store or Google Play so that you can easily track your spend, balance and top up if needed.
You can retrieve your PIN via SMS by texting TMC start <access code> <last 4 digits of card number> to +44 7797 800035. or through our automated phone line on +44 (0)20 7937 0280.Details are on your welcome letter.
Your PIN can be changed at any ATM in the UK that accepts Mastercard and offers a PIN change facility.
While you are away
Your card can be used wherever Mastercard is accepted.
We have to authorise your card immediately which means a small number of locations may not be able to take your card. This includes unmanned petrol pumps, toll booths and on-board cruise ships or aeroplanes.
We recommend that your card is not used to pay deposits on car hire or used when checking in to hotels that require a deposit. Both of these could lead to funds being held by the retailer which would prevent you from using them.
We recommend that you always pay in the local currency and not Sterling. This will prevent high fees and very poor exchange rates being applied at an ATM or retailer. This is known as Dynamic Currency Conversion (DCC) and more information can be found at https://www.postoffice.co.uk/travel-money/card/avoid-dynamic-currency-conversion,or there is a leaflet in every card pack.
Yes you can. You can use any ATM that’s accepts Mastercard. Fees will apply for every cash withdrawal, these fees are detailed online or on your welcome letter. Please be aware that some ATMs may also charge you and this should always be displayed on the ATM screen. As above, we always recommend that you withdraw cash in local currency and don’t choose to pay in Sterling or accept their currency conversion.
The easiest way is via our mobile app which is available in App Store or Google Play. Download it before you travel by search “Post Office Travel app”. You can also top up via our website if you have created an account. You can also ask friends or family to top up in any UK Post Office branch. All they need is your card number.
Yes you can. Our multi-currency card allows you to load any of the 13 currencies we offer.
No you don’t. If you have money in one currency and spend in a different currency we will automatically move your currency for you to authorise a transaction.
The easiest way is to use our mobile app. This shows clearly what your remaining balance is in each currency. We do not recommend the use of ATMs to check your balance as they will provide a GBP figure using a different exchange rate. Remember, your balance is held in each currency so is not affected by exchange rates unless you change it to other currencies.
You need to call us immediately on +44 (0) 20 7937 0280, we are open 24 hours a day. We will then cancel your card and work out the best way to replace it. A fee will be charged if we need us to courier a replacement card overseas.
Back from holiday
You have 4 options available to you:
1. Leave the money on your card for your next holiday
2. Visit any Post Office branch and withdraw the balance over the counter in Sterling. There is a daily withdrawal limit of £300 per day.
3. Spend your money in the UK as normal. We will move the money to Sterling every time you pay for something. Anything you don’t spend stays in the currency you have on the card. No fees apply, we just use the day’s exchange rate.
4. Call us to ask for a refund. Please note that you will get a better exchange rate by spending on your card or withdrawing cash from a Post Office branch.