Smart Account Information Pack

Transcription

1 Smart Account Information Pack smartaccount.ie anpostsmartaccount.ie Selected Post Offices

2 Get Smart with An Post The An Post Smart Account is designed to help you stay in control of your finances. You can be smarter than ever with your money, thanks to the clever and easy to use features of the Smart Account. For example, you can put money aside for bills or an upcoming special occasion with your Smart Account Wallets, preparing you in advance for the extra expense. Even smarter, is our exciting MoneyBack feature, which allows you to get MoneyBack into your account by simply using your Smart Account to pay selected MoneyBack partners. It s money back into your pocket! Your An Post Smart Account Debit Mastercard is issued by An Post. Apply online today! Did you know you can start the application process to open a Smart Account online? Start today! Alternatively you can drop into your local Post Office and pick up an application form. Apply online now

3 What you need to get started To open a Smart Account you will need to: Be 16 years + of age or over Reside in the Republic of Ireland Provide original documentation to verify proof of name and address Complete the application form online and bring it to your local Post Office. For joint accounts both customers need to attend at the Post Office for ID verification Your card will be delivered to you within 5-7 working days Forms of identification include: Proof of Name (one of) Passport EU Driving Licence Public Service Card* Proof of Address (one of) These documents have to be issued within the last 6 months Household Bill Bank Statement Letter from the Revenue / Department of Social Protection +Certain usage restrictions may apply when the card holder is under 18 years of age. *Customers who provide a Public Service Card as proof of name will also be required to provide proof of date of birth, i.e. birth certificate.

4 Smart Account highlights Earn MoneyBack with every shop Earn MoneyBack every time you use your Smart Account to pay participating Smart MoneyBack partners. Terms and Conditions apply, see smartaccount.ie for details. Where to Use Your Card You can lodge, withdraw or check the balance of your Smart Account at any Post Office. You can use your card at any ATM, online or at any retailer worldwide, wherever the Mastercard acceptance sign is displayed. Quick Lodge Quick Lodge Transactions facilitate the funding of your Smart Account using a Debit Smart Shopping The Smart Account enjoys free Point-of-Sale transactions in the Euro Zone, so shop away at no extra cost.* Contactless Make contactless payments at retailers. Charges The Smart Account has a monthly charge of Please see the table overleaf for full list of fees. Online & Mobile App Manage your Smart Account online or if you are on the move via the Smart Account app. The An Post Smart Account app is free to download on the App Store or on Google Play. To use Smart Account online services you need to provide your mobile phone number and address on the application form. Account Wallets For effective budgeting you can set up one-off or regular transfers to and from your main account to Wallets, allowing you to manage your payments online. Customer Services Contact us at or visit smartaccount.ie *Point-of-Sale transaction fees are covered in the monthly maintenance charge and do not incur additional charges.

5 Earn MoneyBack into your Smart Account The An Post Smart Account actually gives you MoneyBack* not discounts or vouchers or prize draws. Real money and it s really easy. When you use your Smart Account to pay selected Smart MoneyBack partners, you ll get MoneyBack into your account. All you have to do is shop! Your Smart MoneyBack programme: 5% back on ALL Lidl transactions of 25 and above. 10% back on direct debit payments with the SSE Airtricity MoneyBack plan*. 5% back on ALL direct payments to Post Insurance on car and home insurance. 8% back on in-store and online spend. 5% back on ALL holidays. GreatBreaks.ie 7.5% back on hotel bookings. 5% back on book purchases online. 5% back on ALL purchases. 10% back on direct payments to Oxendales. There s no limit to how much Smart MoneyBack you can earn as long as you meet any minimum spend thresholds. When you pay participating Smart MoneyBack partners using your Smart Account, your account automatically records what you have spent there. The Smart Account keeps a running total of how much you spend with participating retailers throughout the month and makes a Smart MoneyBack payment into your account the following month. You can log into your Smart Account at any time at smartaccount.ie and see how much Smart MoneyBack you have received back into your account. * Terms and conditions apply, see smartaccount.ie for details. To avail of Smart MoneyBack you must use your Smart Account Debit Card or Smart Account for payment. SSE Airtricity MoneyBack plan is exclusive to An Post Smart Account customers. For more information, terms and conditions see sseairtricity.com/ssemoneyback or phone (charged at Lo Call rate. Rates from landline and mobile companies may vary so please check with your operator.)

6 You can earn over 50 a month with your Smart Account. There s no limit to how much MoneyBack you can earn into your Smart Account every month. How much you earn depends on how much you spend with our Smart MoneyBack Partners. See below an example of how easy it is to earn over 50 in a month when you spend with some of our Smart MoneyBack Partners. Retail Partner Monthly Spend % MoneyBack MoneyBack into your account 560 5% 28 MoneyBack Plan % 15 Leisure Wear 50 8% 4 Clothing 40 10% 4 Insurance 40 5% 2 Total MoneyBack earned this month 53 5% back on all Lidl transactions of 25 and above. Calculation based on published household grocery spend per CSO of per week rounded to 560 per month. 150 based on typical industry annual consumption figures, as per the Commission for Regulation of Utilities (CRU). Actual rebate will depend on actual usage. Figures correct as of 1st November For eligibility, terms and conditions, please visit sseairtricity.com

7 What does it cost? Transactions in Republic of Ireland & Euro Zone Fee Monthly maintenance charge* 5.00 Quarterly statement * Mini statements at Post Offices * POS transactions with cash back (1) * Contactless payments * SEPA Credit Transfers * SEPA Direct Debits * Post Office cash withdrawal (2) */0.50 Post Office lodgement cash/debit card/cheque (3) 0.50 Quick Lodge Transactions (5) 0.50 ATM Transaction 0.60 Transaction Non Euro Zone ATM Transaction (1) (4) POS, Contactless & cash back 3.0% 0.90 plus 3.0% of Transaction Value of Transaction Value Other Fees Fee Items lodged to your a/c returned unpaid - eg. Cheques Lodged Items presented on your account and returned unpaid (Direct Debits) Replacement of lost/stolen/damaged card 5.00 Replacement of PIN * Duplicate statement 5.00 SMS Messaging Alerts * (1) Cash back, subject to individual retailer participation. (2) The first weekly cash withdrawal at a Post Office is included in the monthly maintenance fee, subsequent cash withdrawals from a Post Office within a week are charged at 0.50 per transaction. (3) Cheque Lodgement fees refer to fee per cheque lodged. (4) Non Euro transactions may be subject to Foreign Exchange charges applied by third parties in addition to An Post fees. (5) Quick Lodge Transactions facilitate the funding of your Smart Account using a Debit * Transaction charges are included in the monthly maintenance fee, other charges apply at the time of transaction. Visit smartaccount.ie Fees subject to change. Terms and Conditions apply, see smartaccount.ie for details. An Post is authorised by the Minister for Finance to provide payment services and is regulated by the Central Bank of Ireland in the provision of such services. The An Post Smart Account Debit Mastercard is issued by An Post. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.