Ms Debbie Byrne:

No. The credit card and current account are separate. The big benefit is that if someone with a balance of, say, €2,000 on his or her credit card opens up a credit card account with An Post and that balance is transferred to An Post, he or she will get that €2,000 interest-free for 12 months. That is the big hook but if one did not have a balance he or she could equally just open an account.