Choose the PostFX™ Mastercard® Single Currency Card

Safer than cash, cheaper than a credit card.

Need a safe and convenient way to carry your Sterling and Dollars? The PostFX™ Prepaid MasterCard® Currency Card keeps your money secure with chip and PIN technology.

Foreign Exchange Calculator

We can only change back to Euro if you purchased the Sterling or Dollars using the PostFX™ currency card.

Currency rates for 15-02-2019

Currency Sell Rate Sell Commission Buy Rate
(cards only)
Buy Commission
GBP 0.8539 0.00 0.9067 0.00
USD 1.0930 0.00 1.1606 0.00
CAD 1.4399 0.00 1.5599 0.00
AUD 1.5263 0.00 1.6535 0.00

How does it work?

PostFX™ MasterCard® Currency Card is a safe and convenient way to manage your money when travelling to the UK,USA, Canada or Australia. Simply top-up your PostFX™ Currency Card for the amount you want at your local Post Office. Then use your card at 1.9 million ATMs worldwide shops and restaurants.

Your PostFX™ prepaid MasterCard® Currency Card is:


  • Chip & PIN protected
  • Not linked to your bank account
  • Supported by free 24 hour global assistance
  • Get an additional card and use it as a back up




Free global assistance

Australia 1800 098 231
Ireland 1800 535564
United Kingdom 0800 056 0572
USA/Canada 1 877 465 0085

There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone.

Step by Step

Get your PostFX™ MasterCard® Currency Card:



Find your local Post Office selling the PostFX™ MasterCard® Currency Card:


How Much?

Fees and Limits

Please find below the fees and limits applicable to your card:

There is an annual government stamp duty of €0.12 per ATM transaction, subject to a maximum of €5**

Fees US$ GB£ AU$ CA$
Card Fee Free
Load/Reload Fee Free
ATM fee per withdrawal* $2.50 £1.50 AU$3.50 $CA3.25
Purchases from merchants (eg. shops and restaurants)* Free
Monthly inactivity fee debited from your PostFX™ Currency Card
if it has not been used for 12 months+


£2.00 AU$4.50 CA$4.00
Shortfall fee $15.00 £10.00 AU$17.50 CA$17.50
Non-emergency Cash out fee through Card Services $9.50 £6.00 AU$9.00 CA$9.50
Cash out fee at participating Post Offices Free
Additional Card linked to the same funds
Please note, this Card is a back up Card for security purposes only.

Limits US$ GB£ AU$ CA$
Maximum amount you can withdraw from ATMs in 24 hours* $800 £500 AU$1,000 CA$1,000
Maximum amount that you can spend at merchants in 24 hours* $5,000 £3,000 AU$6,000 CA$6,000
Minimum amount you can load/reload on your Card $130 £85 AU$170 CA$170
Maximum load and maximum balance allowed on your Card at any one time $9,000 £5,000 AU$10,000 CA$10,000
Maximum load over 12 months*** $30,000 £18,000 AU$36,000 CA$36,000
Cash over the counter withdrawal limit at participating Post Offices in Ireland only and ID will be required on all withdrawals over €500 (or currency equivalent). $5,000 £3,000 AU$6,000 CA$6,000
Additional Card linked to the same funds
Please note, this Card is a back up Card for security purposes only.
PostFX™ Prepaid MasterCard® Currency Card Terms and Conditions

* Some ATM operators or merchants may charge a(n) (additional) fee or set their own limits. Please confirm whether any fees or limits apply, before making a withdrawal or purchase.
** Please note that the Government of Ireland charges an annual stamp duty on prepaid card accounts. There is a €0.12 for each ATM transaction subject to a maximum charge of €5.
*** The total amount you may load onto all prepaid cards issued to you by us during any twelve (12) month period.
+ The issuer will waive such fee if there is no remaining balance following the debit of any monthly inactivity fee (or if the balance is less than the fee).

Merchant transactions and ATM withdrawals in a currency other than the currency of the Card will be exchanged to the currency on the Currency Card at an exchange rate determined by MasterCard® on the day the transaction is processed, increased by 5.75%.

PostFX™ Currency Card is issued by R. Raphael & Sons plc, pursuant to license by MasterCard International Inc. MasterCard is a registered trademark, and the circles design is a trademark of MasterCard International Incorporated. R. Raphael & Sons plc, trading as Raphaels Bank, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registration number 161302) in the United Kingdom, is regulated by the Central Bank of Ireland for conduct of business rules (registration number C39659) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury Ave, London W1D 7ED, company registration number 01288938.

What next?

Top up your PostFX™ Currency Card online

You can now top up your PostFX Currency Card online in four easy steps.

  • Enter the card number that appears on the front of your currency card.
  • The amount you would like top up.
  • Your contact details.
  • Payment details.

Once payment is successful you will be issued with a receipt for your top up. 

Frequently Asked Questions

  1. What is a PostFX™ Currency Card?
    The PostFX™ Currency Card is a chip & pin prepaid MasterCard® card which can be used at any merchant and ATM worldwide displaying the MasterCard Acceptance Mark.
  2. If there is a problem with the PostFX™ Currency Card what should be done?
    Contact Card Services on 1800 535 564 (number on the back of the card)
    When calling from abroad (+44 207 649 9404)
    Typical Queries:
    • Lost Card
    • Stolen Card
    • Forgotten PIN
    • Account Balance
    Card Services call centre operates 24/7, 365 days per year.
  3. What Currencies does An Post Offer?
    The PostFX™ Currency Card is available in UK Sterling, US Dollars, Canadian Dollars and Australian Dollars. Purchases must be made in Euro.
  4. Does the Card issue instantly?
    Yes, the PostFX™ Currency Card is issued to you instantly.
  5. What ID is required to open an account?
    There are two ID forms required to open a PostFX™ Currency Card:
    Proof of name: Passport or EU driving licence
    Proof of address: Utility bill, Rev Comm, or DSFA doc not more than 6 months old. You must be resident in the Republic of Ireland.
  6. Can the Card be reloaded?
    Yes, the PostFX™ Currency Card can be reloaded at any participating Post Office. The account holder is the only person who can only lodge funds.
  7. What ID is required to Top Up?
    To top up a PostFX™ Currency Card a Passport or EU drivers licence must be presented. The proof of Name ID is an AML requirement from MasterCard® and is part of card rules. Minimum amount euro equivalent of £85, $130, AU$170 and CA$170. 
  8. Can funds be withdrawn from the Card?
    The PostFX™ Currency Card can be cashed out (remaining cash withdrawn) at any participating PostFX™ Currency Card Post Office. The funds will be cashed out to you in Euro. An EU drivers licence or Passport is required on amounts over €500.
  9. What is the lifetime of the PostFX™ Currency Card?
    The PostFX™ card is valid for up to 5 years.
  10. How can the PostFX™ Currency Card be purchased?
    There are two acceptable methods of payments for the PostFX™ Currency Card which are Euro cash or debit card.
  11. What is the maximum amount that can be loaded?
    The max amount that can be loaded and max balance at any one time is £5,000 Sterling, $9,000 US dollars, AU$10,000 or CA$10,000 for a single transaction. Maximum amount loaded over 12 months is £18,000 Sterling, $30,000 US Dollars, AU$36,000 or CA$36,000. The euro equivalent must be tendered onto the card.
  12. What is the minimum amount that can be loaded?
    The minimum amount that can be loaded is £85 Sterling, $130 US Dollars, AU$170 or CA$170. This should work out to be around €100 depending on the exchange rate at time of purchase.
  13. Can I get an additional Card?
    Yes, customers can avail of an additional Card at the time of the initial purchase. The cardholder who opened the card is the only person that can top up the card after purchase.
  14. How long does it take to get the additional PostFX™ Currency Card?
    The PostFX™ additional card is given to the customer upon completion of the PostFX™ transaction.
  15. What exchange rates apply to the PostFX™ Currency Card?
    The An Post foreign exchange daily sell rate for Sterling and dollar is applied at the date of purchase and used when purchasing the PostFX™ Currency Card . Exchange rates are updated in post offices on a daily basis.
    *Note the same sell rates apply to cash, PostFX™ Currency Card and Sterling drafts
  16. What Fees apply?
    Use in shops EPOS is FREE.
    Fees are only applied to ATM withdrawals as per below:
    £1.50 Sterling, $2.50 US Dollars, AU$3.50 or CA$3.25  per withdrawal.
    Where the Card is used in a country that operates in a currency other than that on the card, transactions are charged at exchange rate of the day plus 5.75%. Please note that the Government of Ireland charges an annual stamp duty on prepaid card accounts. There is a €2.50 fee every year if the card is used in an ATM. There is also another €2.50 fee every year if the card is used in a point of sale transaction. Charges apply when there is a balance on the card at 31st December.
  17. To get a card Customers must be:
    • Present
    • Resident in republic of Ireland
    • Over 18 years of age
  18. How can a customer check their balance?
    Customers can check their balance on line by registering their card at or in their local participating Post Office.
    Customers can also check their balance over the phone:
    Calling from Republic of Ireland: 1 800 535 564
    Calling from all other countries: +44 207 649 9404
    *Note if a customer has used their Driving Licence to setup an account they must state
    ‘EU Driving Licence’ when registering proof of name on line.
  19. What if I have trouble registering my PostFX ™ Currency Card on Cashpassport?
    If you used your EU Drivers Licence as photo identity when purchasing the PostFX™ Currency Card, you must enter fully “EU Driving Licence” into the section that asks what form of ID you used when registering. If you are still having problems registering the card contact MasterCard at 1 800 535564
  20. Why Choose a PostFX™ Currency Card?
    • Safer than cash
    • Cheaper to use than debit or credit cards    
    • No Fees on Point of Sale transactions, fixed fees on ATM (Subject to local rules) for full bank charges visit
    • If you lose the card the value will be replaced.Terms and Conditions apply.
    • Non personalised
    • Chip and pin Safety
    • Online account checking
    • Customer services 24/7 365
  21. Can the PostFX™ Currency Card be used for payments online or over the phone?
    Yes, the card can be used on purchases made online or over the phone where ever MasterCard® is accepted.
  22. How can I cash my card out?
    Customers can take their PostFX™ Currency Card to their local participating Post Office and cash out the remaining balance into Euros with that day's exchange rate.


Application forms

 PostFX™ MasterCard® Currency Card application form


Object reference not set to an instance of an object.