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Post Office cash - what you need to know before sending

Pre-send checklist, KYB requirements, fees and key constraints for Post Office cash vouchers - the highest-denomination cash product, supporting up to £4,000 per voucher.

When to use Post Office cash

Post Office cash vouchers let your recipient collect cash over the counter at any of around 11,500 Post Office branches. They support the highest denominations of any cash product Huggg offers - up to £4,000 per voucher.

For smaller amounts up to £100, PayPoint cash or OneLink Cash may suit your recipient better if they prefer collecting at a local shop. See: Which cash voucher should I send? for a full comparison.

Before you start: KYB

Post Office is a regulated product. You'll need to pass a Know-Your-Business (KYB) check for Post Office before you can send Post Office vouchers. The same KYB covers both Post Office cash and Post Office energy.

If you haven't yet passed Post Office KYB, email us at disbursements@huggg.me to start the process. It typically takes 3-5 working days to process a KYB form.

Fees

There are extra fees associated with this product. For an up-to-date breakdown of issuance fees, cancellation fees and any other charges, email us at disbursements@huggg.me.

Pre-send checklist

Before you send a Post Office cash voucher, confirm:

  • Your organisation has passed Post Office KYB

  • Your recipient is able to collect in store at a Post Office branch

  • For large denominations, your recipient is aware that not all Post Office branches hold large amounts of cash and may want to call ahead to check

What to know

Supports the highest denominations. Post Office cash vouchers can be issued for amounts up to £4,000, in standard denominations (£10, £20, £30, £40, £50, £60, £70, £80, £90, £100, £150, £200, £250, £300) or custom amounts on request.

In-store, single transaction. Your recipient hands the voucher (on phone or printed) to the Post Office cashier and the cashier hands them the full amount. They cannot split the collection across multiple visits.

Large amounts may need a larger branch. Smaller Post Office branches may not hold enough cash on hand to pay out the largest vouchers. For vouchers over a few hundred pounds, it can be worth your recipient calling ahead to check, or using a main Post Office branch in a town centre.

Single use. The voucher can only be used once and will expire on the date shown.

Common issues and what to do

Issue

What to do

Branch doesn't have enough cash on hand

Recipient should try a larger Post Office branch (typically in a town centre). Calling ahead is recommended for large amounts.

Recipient doesn't have a Post Office nearby

Consider PayPoint cash (28,000 locations, up to £100) or ATM cash (up to £500) instead.

Recipient needs a custom denomination not in the standard list

Custom amounts can be supported on request. Email disbursements@huggg.me to arrange.

Barcode won't scan at the till

Recipient should ask the cashier to enter the voucher number manually. If they're still having problems, email support@huggg.me.

How your recipient collects the cash

Recipients open their link, generate the voucher, and present the barcode at any Post Office branch. The cashier scans the barcode and hands over the full amount in cash. For full recipient instructions, see the recipient-side article: How do I redeem my Post Office cash voucher?


Need help?

If you're not sure whether Post Office cash is right for a specific recipient, or you need to start a KYB process, email us at disbursements@huggg.me and we'll help.

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