Help Centre

Thank you for visiting our Help Centre. Here we’ve put together a series of user guides to help members make the most of Penny Post services.

Remember, you can contact our friendly customer services team at any time – quickly and securely via the Nivo App, by email, or by calling us on 0333 332 1461 during opening hours.

How to apply online for a Penny Post Loan

From time to time we all need to borrow & Penny Post offers a range of 5* award winning Personal Loans for members. The quickest & easiest way to apply for a loan is to complete our new mobile friendly loan application forms using the Nivo App. To apply, have a recent payslip & your total monthly income & expenditure to hand, then follow the ‘Apply with Nivo’ link on each loan page. Alternatively, login to Online Banking & complete the online form.

Click here for our quick guide on How to apply for a Penny Post loan online in 5 simple steps.

How to change your PIN

To access our secure Online Banking, you will need a PIN (Personal Identification Number). When you first register for online services, we will send you a PIN. Once logged in, you can change your PIN at any time.

Click here for our quick guide showing you How to change your PIN in 4 simple steps.

How to change your Payroll Deduction

Saving with Penny Post straight from your pay is easy and flexible too. You can change the amount you save anytime.

Click here for our quick guide on How to change your Payroll Deduction in 4 simple steps.

How to open an additional Penny Post Savings Account

You can open an additional savings account in minutes using Nivo. Alternatively, login to Online Banking & complete the online form.

Click here for our quick guide on How to open an additional Penny Post Savings Account in 4 simple steps.

How to open a Young Saver Account

You’re never too young to start saving! Members can open a Young Saver account for their children or grandchildren under 18 years of age – a great way to teach youngsters to save & manage money and help them prepare for the future.

You can open a Young Saver account in minutes using Nivo. Alternatively, login to Online Banking & complete the online form.

Click here for our quick guide on How to open a Young Saver Account online.

How to generate e-Statements & view transactions

Did you know you can check transactions and access e-statements for your Penny Post accounts online at any time using Online Banking?

Click here for our quick guide on How to generate e-Statements & view transactions in 4 simple steps.

How to make an online loan repayment using a debit card

Members can make loan repayments at any time using Online Banking and the secure WorldPay platform.

Click here for our quick guide on How to make an online loan repayment using a debit card in 4 simple steps.

Please note – From 1st March 2021, card deposits to saving accounts will not be permitted. This change is part of measures introduced to protect future dividends for our loyal members – click here for further information.

How to download the Penny Post App

Want to manage your Penny Post account on the move, anytime, anywhere? Then you need the Penny Post App!

Click here for our video guide showing you How to download & get started with the Penny Post App.

How to change your address with us

Moved home? Please let us have your new address using Nivo by clicking here quickly & easily anytime, or by calling our Customer Services team during opening hours (proof required).

How to change your name with us

Changed your name? Please let us have details using Nivo by clicking here quickly & easily anytime, or calling our Customer Services team during opening hours (proof required).

How to make a complaint

We aim to offer our members high quality and value for money services. However, if you feel we have let your down by offering a below par service, you have the right to complain. Click here for full details of our Internal Complaint Procedure.

How to download Nivo

Nivo is the fastest and most convenient way for members to talk to the Penny Post team securely, about anything, anytime, from anywhere! Nivo is available to download for free by clicking here. It’s easy to get started, and our Customer Services Team are on hand to help with any queries.

Planning & Managing Repayments

Penny Post loans are repaid straight from your pay, on a weekly or monthly (salaries) basis. We will work with you to make sure your repayments are affordable and suit your budget.

If your circumstances change, or you have difficulties in meeting your loan repayments, contact us immediately and explain the situation. We will treat the matter sympathetically and in total confidence. Depending on circumstances, we will work with you and renegotiate the loan if possible. Talk to us, we are here to help if we can.