Sea, is féidir leo an t-airgead a fheiceáil sa chuntas, féach ar an áit a bhfuil sé á chaitheamh, teorainneacha caiteachais a leagan síos, agus go luath beidh muid ag cur an rogha chun bac a chur ar úsáid ATM, siopa nó ar líne.

Ní mór do thuismitheoir/caomhnóir é a oscailt thar ceann a linbh ón taobh istigh d’aip An Post Money. Íoslódáil an leagan is déanaí den aip An Post Money ón App Store nó ó Google Play

Cosnaíonn sé €2/mí an linbh má tá Cuntas Reatha Airgid An Post agat. Seachas sin, is é €4/mí an leanbh é.

This is a big milestone, and also has an impact on your child’s An Post Money Mate account. Once they turn 16, they legally have a right to digital privacy. This means that no one else is allowed to see their data without their permission. 
You and your child have to make a choice about what happens now:
1) They can easily upgrade in the app to an adult An Post Money Current Account. Their funds will automatically be transferred from their Money Mate account to this new account.  There will be a €2 monthly fee for their current account until they turn 23. Because you have paid the monthly fee on their Money Mate account until now, you’ll be able to choose whether to continue paying this out of your account or whether the charge will come out of their account. 

2) They can choose to continue to use their Money Mate account as normal until they are 18, provided they give you permission to keep sharing their Money Mate account transaction data with you.  They can grant this permission via their app.

3) If they don’t give permission to keep sharing their data with you, or don’t upgrade to an adult Current Account, they’ll only have limited functionality after their birthday until they are 18 years old, when they will have to either open a Current Account or close their Money Mate account. Limited functionality means that they will still be able to use their debit card, top up their account with cash or cheques in any post office and ask for a mini statement in any post office. However, you won’t be able to see or top up the account in the app, or change any spending limits you’ve set. Your child also won’t be able to see their account in the app or transfer money from their jars.  

4) They can choose to close the account and transfer the funds to a current account with another provider.

Once your child turns 18, they will no longer have access to their Money Mate account and its features. 
You and your child have to make a choice about what happens now:

1) They can easily upgrade to an adult account by logging into the An Post Money app, selecting ‘Upgrade to adult account’ and uploading their proof of address and ID. 

When they upgrade to an adult An Post Money Current Account any funds will be automatically transferred to the new account, the account history will still be available and the IBAN will remain the same.  There will be a low monthly fee of €2 for their current account until they turn 23 years old. 

2) Alternatively, they can choose to close their account. 
If they choose to close the account, any remaining funds will be transferred to an account of their choice (in their name). They can close their account by logging into the An Post Money app. 

3) If no action is taken, the account will be closed when your child turns 18 and any funds in the account will be transferred back to you (the parent).

Cuntas reatha é do leanaí idir 7 go 15 bliain d’aois. Is féidir le tuismitheoirí/caomhnóirí monatóireacht a dhéanamh ar ghníomhaíocht chuntais.