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Avant Money One credit card review

Get three 0% offers when you open an account with Avant Money, formally Avantcard.

If you’re after a credit card that has a range of attractive 0% introductory rates, Avant Money, formally Avantcard, has the Avant Money One, which could be the right option for you. Read on to find out the advantages of the Avant Money One credit card. Plus, the main fees and charges you need to be aware of.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

What are the benefits of the Avant Money One credit card?

The Avant Money One card has three 0% offers. These are:

  • 0% interest on money transfers for the first nine months
  • 0% interest on balance transfers for the first six months
  • 0% interest on purchases for the first three months

Money transfers let you move cash into other accounts, for example, to move funds from your credit card to your current account. A balance transfer lets you move an existing balance you have with another credit card on to your new card while making use of the 0% interest rate for a set period of time (in this case, six months).

To take advantage of the 0% rate on balance transfers, you’ll need to complete a balance transfer within 90 days of your account opening. You’ll be able to transfer any amount between €100 and 95% of your credit limit.

Finally, a card offering 0% interest on your spending can be used to spread the cost of a larger item over a number of months. After that, you’ll incur interest charges on any balance that’s outstanding.

Having interest-free periods can be a useful way to keep down the immediate cost of debt. But keep in mind that, to enjoy these promotional rates you’ll need to make your minimum monthly repayment on time each month. Avant Money charges a minimum repayment amount on this card of either 1% or €25 – whichever is higher.

Additionally, you’ll need to stay within your credit limit at all times to avoid further charges.

What are the features of this card?

This credit card has a number of other features you’ll want to keep in mind when you compare Avant Money to other deals on the market. Features of the Avant Money One credit card include:

  • No monthly account fee – however, you’ll have to pay stamp duty of €30 per year on all credit card accounts held in Ireland
  • Personalised pricing – this means you could get lower rates of interest depending on your credit history
  • You can name up to three additional cardholders on your account
  • Manage your account online

    Additionally, you’ll get access to the Avantages Rewards programme. This lets you save money with hundreds of well-known brands in Ireland, including through some cashback offers.

    What costs should I be aware of?

    The main costs you’ll need to consider with this credit card are the card’s standard variable rate. This is expressed as a percentage and it’s what you get charged on any amount which is outstanding after your promotional offers end.

    • Purchases – 14.9%
    • Balance transfers – 14.9%
    • Typical APR rate – 20.6%

    There are other costs you may need to keep in mind, depending on how you use your credit card and we’ve put these into a helpful table:

    Avant Money One fees
    Irish government stamp duty€30 annually
    Cash transactions fee16.8% rate of interest on cash withdrawals. Plus a fee of 1.50% of the amount of any cash advance made with a minimum of €2.50. No maximum is applied
    Late fee€15.24 is charged every time a minimum payment fails to reach and be cleared in your account on the due date
    Payments processing fee at a post office€0.97 is charged for every payment
    Returned payment fee€19.05 is charged every time a direct debit or other payment goes unpaid
    Foreign exchange fee2.65% of the total amount of every foreign exchange transaction. Plus currency conversion fees.
    Over limit fee€12.70 is charged if you exceed your credit limit

    Always read the terms of any credit card you compare with care, so that you’re fully aware of what you’re going to be committing to when signing up to a new deal.

    What are the drawbacks of the Avant Money One credit card?

    • You will be charged interest on any outstanding debt not paid off in full each month.
    • If you miss a payment, you will be charged a late fee of €15.24
    • If you go over your credit limit, you will need to pay a penalty of €12.70.
    • Your credit report could be affected if you delay or fail to make a payment on your credit card bill

    How to apply for an Avant Money One credit card

    Eligibility requirements:

    • You’ll need to be at least 18 years of age
    • You’ll need to live in the Republic of Ireland

    As part of the application process with Avant Money, you’ll also be asked about the following: your total income; the number of dependents you have; any monthly rent or mortgage repayments, along with any other monthly loan debts.

    Documents required:

    • Proof of income – usually your bank statements and payslips
    • Proof of ID – one form which can be: a passport, passport card, driver’s licence, immigration card or Garda age card
    • Proof of address – dated within the last three months, including: a utility bill, revenue document, social insurance document, home/car insurance document or bank/credit union statement


    Avant Money is a big name in consumer finance in Ireland, and the Avant Money One card certainly has some market-leading introductory offers. However, there may be other credit cards which, can offer you better deals in the long run. That’s why it’s a good idea to compare many credit cards before deciding on a policy that works for you.

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