FunkyDudley
As you have identified, it costs significantly more to pay benefits into a Post Office account than a normal bank account, so the Government are pushing claimants to change their accounts to save money.
Existing claims, for what are now called legacy benefits such as ESA, JSA and Income Support will not effected, but the intention is that all Universal Credit claims should be paid to a bank account, so you may have to do so in the future.
The Post Office does have bank accounts so it should be an easy change.
Gordon
Nothing on this board constitutes legal advice - always consult a professional about specific problems