Banking at An Post

The way you bank is changing. We are too.

Our arrangement with An Post enables our Personal and Business Current account and Demand Deposit account customers to carry out their everyday banking at over 900 local post offices across Ireland as well as at Bank of Ireland branches. Combined, that means Bank of Ireland customers have more than 1,000 places to bank.

Opening times vary, but post offices are typically open longer than branches – from 9.00am to 5.30pm, Monday to Friday, and on Saturdays from 9.00am to 1.00pm.

Services now available at post offices nationwide include:

  • Cash lodgements: You can make cash lodgements in euro including coin and cheque / paper lodgements at any post office up to certain limits.*
  • Cash withdrawals: You can make cash withdrawals in euro with your ATM or Debit card at any post office, up to the limits of your card.

You can make cash lodgements and cash withdrawals from Personal and Business Current accounts and Personal and Business Demand Deposit accounts.

Please note, without an ATM card or debit card, you will not be able to make a cash withdrawal.

If you have a current account or a demand deposit account without an ATM card, you can continue to make cash withdrawals from any Bank of Ireland branch.

* Certain limits will apply specific to An Post banking service.

Using your card at post offices

Our arrangement with An Post means that if you are a Bank of Ireland Personal or Business Current account and/or Demand Deposit account customer, you can use your ATM card or debit card to make cash lodgements and cash withdrawals. You can also make cash lodgements if you have a Bank of Ireland lodgement card. If you do not have a card you can make cash lodgements using a new personalised barcoded lodgement docket (see below for more details).

Using a personalised barcoded lodgement docket at post offices

If you want to make a cheque lodgement, you will need to use a new personalised lodgement docket with a barcode instead of one from your existing lodgement book. When your existing book runs out, you’ll receive a new barcoded lodgement book that can be used in both Bank of Ireland branches and post offices. In the meantime if you want to order a new lodgement book you can do so:

Lodgement books will take on average 5-7 working days to arrive once your order has been placed. Lodgement books can also be used for cash (notes and/or coin) lodgements (Euro only) if a card is not available.

When lodging a cheque or cheques, you will need to put the cheques and lodgement docket into a designated clear wallet (cheque wallet) which you seal. Cheque wallets are available in all post offices and in Bank of Ireland branches.

Transaction Limits

Personal
Euro Note Withdrawal Euro Coin Withdrawal Euro Note Lodgement Euro Coin Only Lodgement
  • Can withdraw up to card limit
  • No withdrawals allowed over card limit
  • <€200 on availability
  • >€200 ordering process required
  • €10,000 per transaction daily limit
  • €25,000 weekly limit
  • Up to €200
  • Coins must be bagged in the correct denomination sachets – full bags required
Euro Cheques ‘Personalised Docket’ Lodgement Mixed Euro Lodgement (Notes & Coin only – No Cheques) Mixed Euro Lodgement (Euro Notes, Coin & Cheques)
  • 50 cheques per lodgement wallet
  • Max lodgement value – no limitations
  • €10,000 per transaction daily limit
  • Maximum €200 coin limit applies
  • €25,000 weekly limit
  • Two separate transactions – follows limit criteria as outlined for notes, coin & cheque
Business
Euro Note Withdrawal Euro Coin Withdrawal Euro Note Lodgement Euro Coin Only Lodgement
  • Can withdraw up to card limit
  • No withdrawals allowed over card limit
  • <€200 on availability
  • >€200 ordering process required
  • Max €20,000 a day
  • €50,000 per week
  • <€5000 any post office
  • >€5000 per day a selected Post Office location will be required**
  • Up to €200
  • Coins must be bagged in the correct denomination sachets – full bags required
Euro Cheques ‘Personalised Docket’ Lodgement Mixed Euro Lodgement (Notes & Coin only – No Cheques) Mixed Euro Lodgement (Euro Notes, Coin & Cheques)
  • 50 cheques per lodgement wallet
  • Max lodgement value – no limitations
  • Max €20,000 a day, €50,000 per week
  • Max €200 coin limit applies
  • <€5000 any post office
  • >€5000 per day a selected Post Office location will be required**
  • Two separate transactions – follows limit criteria as outlined for notes, coin & cheque
**Please note: if you are a business customer transacting at certain values, a selected Post Office location will be required. For a downloadable version of the above, please click here

Ordering coin at a post office

If you want to order over €200 in coin, orders will be available for collection on a Tuesday or Wednesday, depending on the post office. You will need to place the order a minimum of 3 working days prior to this. Please note that you can only withdraw amounts up to the limit of your card and you must have available funds in your account at the time of collection. Your account will only be debited when you collect the coin. For further details please refer to the tables above.

Account balances and cut-off times at An Post

If you take cash out of your account, the amount in it will, generally, be reduced immediately.

However, if you pay cash into your account, your balance will not update immediately. It will, generally, be credited to your account on the business day that the cash lodgement was received by Bank of Ireland.

If you pay cash into your account after a cut off time, the amount you pay in will be credited to your account on the next business day. If you make a paper payment (for example, a cheque lodgement) into your account, the time it takes to process at An Post may be different from the time it takes at a Bank of Ireland branch. There are different cut-off times for different account transactions.

Cut- off times for crediting your account on the same day that you pay in (lodge) cash at a post office.

Monday – Friday & Saturday in a post office if open on Saturday*.
*Please note opening times can vary; some An Post outlets may close before 4:30 pm.
4:30 pm

If you pay a mixture of cash lodgements and cheque lodgements (or other paper payments) into your account, you’ll need to carry out two or more transactions at An Post instead of one as you might at a Bank of Ireland branch. There is no additional charge for this.

Business customers

We are making changes to our branch network as part of an ongoing process of investment in new services and in response to the majority of our business customers who are choosing digital banking options.

These changes are being made so that we have a branch network that meets the demands of our customers today and into the future, while continuing to expand and improve our digital services.

Importantly, we’re making this change in a way that protects local access to banking in person, for those who want it, through our arrangement with An Post.

For general information on the service changes please click here

We continue to have a nationwide presence of 169 branches, with multiple locations in every county in Ireland. Our business customers also have access to the An Post network of more than 900 locations. Combined, that means Bank of Ireland business customers have more than 1,000 places to bank.

FAQs

Have questions about our changes? Visit our FAQs to find out more.