Debbie Byrne
Managing Director, An Post Retail
An Post Money’s innovative products and services aim to help customers get on top of their finances.
There was a time when customers would stay with their bank through thick and thin, due to familiarity, lack of competition or because it was more convenient.
That’s not the case now, insists Debbie Byrne, Managing Director of An Post Retail of An Post. “The financial marketplace is fragmented,” she says. “Consumers don’t stay in one place. They can have various bank accounts, loans and credit cards with different organisations. We’re starting to see people shopping around for banks and financial services providers that offer better features, benefits and rates.”
Helping customers manage their money is a guiding principle for An Post, which launched its financial services operations in 2007. After rebranding as An Post Money in 2019, it now offers a range of banking products and services, including travel money in cash and card, an advanced personal finance app, the largest branch network in the country, a full current account, budgeting tools, credit cards, the lowest fixed rate on personal loans under €30k and a current account for 7-15 year olds (‘Money Mate’) to help teach children financial responsibility.
Advanced app and largest branch network
From the outset, An Post Money set out to become a viable alternative to traditional banks — and one that’s interested in finding ways to better support customers. “Our success is built on three core principles,” says Byrne. “The first is providing customers with state-of-the-art digital banking, while ensuring that they can always talk to someone face-to-face whenever they need to. Second, financial services can be confusing, so we keep our offering simple and straightforward. Third, sound money management is at the heart of everything we do, so we wanted to provide our customers with a comprehensive budget management tool.”
An Post Money takes pride in its reputation as a digital banking services provider with a human touch. Thanks to its countrywide network of post offices, it has around 880 branches, more than every bank in Ireland combined. “Human interaction has become our USP,” admits Byrne. “It’s really important to us that if a customer has a query or issue, they can go into one of our branches and talk to someone. Or if they don’t want to visit a branch, they can ring and know they’ll get through without a long wait. it’s part of our commitment to provide high-quality service.”
There was a time when customers would stay with their bank through thick and thin,
due to familiarity, lack of competition or because it was more convenient.
Their easy-to-use finance app features digital savings Jars that allow customers to set money aside for different purposes. Then there’s Money Manager, a budgeting tool available to anyone free of charge (not just An Post Money customers). This links a person’s bank accounts and credit cards in one place to give them a bird’s-eye overview of their finances and helps them track their spending by category.
Award-winning products to help customers improve their finances
Naturally, security is a priority for An Post Money, and why they added award-winning security features such as Dynamic Card Verification Value (CVV) as an extra layer of protection against fraudsters. Every time customers make an online purchase, they can generate a brand-new CVV code from the An Post Money app.
These innovations haven’t gone unnoticed. At the 2025 Bonkers.ie National Consumer Awards, An Post Money won various prizes including Best Credit Card, Best Customer Service, and the Grand Prix for Best Consumer Business. Yet that doesn’t mean it’s content to rest on its laurels.
“In the future, we’d like to offer our customers additional products to meet their needs (such as mortgages), and we see many opportunities to support small and medium-sized businesses as well,” says Byrne. “We always put a lot of emphasis on receiving continuous feedback from consumers so that we can continue to help them improve their finances.”
