“Can Ireland's postal service become a credible mobile-first banking brand for Irish consumers by orchestrating best-of-breed embedded finance partners rather than getting a bank licence itself?”
An Post is Ireland's state-owned postal service; An Post Money is its financial-services brand offering current accounts, currency cards, credit cards and personal loans. It launched a mobile-first current account in 2020 to compete with Revolut, targeting one million Irish customers by 2025. The retail/BaaS platform is powered by Omnio (177K active accounts cited on Omnio's own site), the credit card is owned and operated by Bankinter S.A./Avant Money, and the currency card runs on Mastercard. In 2026 An Post opened a procurement for a digital IMT (international money transfer) partner to be embedded in the An Post Money app.
An Post Money discloses Omnio as its banking provider, with Bankinter S.A. as its sponsor bank, according to the Embedded Finance Index 2026.
An Post Money does not disclose a bank charter of its own; its banking services are provided through Bankinter S.A..
An Post Money's cards are issued through Omnio on the Mastercard network.
An Post Money's lending and capital products are provided by Avant Money (Bankinter S.A.).
The Embedded Finance Index 2026 maps 5 layers in An Post Money's stack: Banking / BaaS (Omnio); Card issuing (Omnio); Card network (Mastercard); Lending (Avant Money (Bankinter S.A.), An Post Money Personal Loans (via Avant Money) and An Post Money Credit Card (via Avant Money / Bankinter)); Sponsor bank (Bankinter S.A.).
An Post Money is founded in 1984 and headquartered in Dublin, Ireland.
Get a read on where your own stack stands against An Post Money and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.