Bank of Ireland UK Matched Mastercard review

Last updated:  

This card is no longer available, but you can use this page to compare alternatives.

As of June 2020, this card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to browse the range of credit cards currently available from other issuers.

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

19.9%

Representative APR

24 months

0% interest on balance transfers

24 months

0% interest on purchases

£0

Account fee

Details

IssuerBank of Ireland UK
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 24 months reverting to 19.9%
Balance transfer fee2.49%
Purchases0% for 24 months reverting to 19.9%
Purchases interest-free periodUp to 56 days
Cash advances27.9%
Min credit limit£1,000
Max credit limitNot specified
Additional cards available3

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you’re working to clear existing card debt then a balance transfer deal can be a smart choice – making sure that the whole of your monthly payment goes towards reducing your balance (and none towards interest). But if you think you might also need to use the card for significant upcoming purchases (or if you’d just like to have the option), then “matched” or “balanced” cards can offer an introductory 0% interest period that applies to both existing and new balances.

Don’t overlook this card’s balance transfer fee of 2.49% and remember that if you don’t clear your balance in full within the 24 months, any outstanding balance will start to accrue interest at the card’s standard rate. Additionally, if you’re late making a repayment or if you go over your credit limit, you risk losing the promotional 0% offer.

As this card is on the Mastercard network, it’s accepted in more than 40 million locations worldwide. You’ll also be able to enjoy access to Priceless Cities experiences.

Compare other cards with “matched” 0% deals

Table: sorted by representative APR, promoted deals first
Data indicated here is updated daily
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Link
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
0% for 20 months
(2.9% fee)
£0
19.9% (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
More Info
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
0% for 18 months
(2.9% fee)
£0
22.9% (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
More Info
Santander All in One Credit Card
0% for 26 months reverting to 15.9%
0% for 26 months
(0% fee)
£3 per month
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
More Info
TSB Platinum Purchase Card
0% for 20 months reverting to 19.95%
0% for 20 months
(2.95% fee)
£0
19.9% (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
More Info
Sainsbury's Bank Dual Offer Credit Card Mastercard
0% for 20 months reverting to 21.95%
0% for 20 months
(3% fee)
£0
21.9% (variable)
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
More Info
MBNA 0% Transfer and Purchase Credit Card
0% for 18 months reverting to 20.93%
0% for 18 months
(2.75% fee)
£0
20.9% (variable)
Introductory 0% purchase offer only applies to purchases made within 60 days of opening.
Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
More Info
Barclaycard Platinum 18 Month 0% Purchase and Balance Transfer Visa
0% for 18 months reverting to 21.9%
0% for 18 months
(2.9% fee)
£0
21.9% (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
More Info
Santander World Elite Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months
(0% fee)
£15 per month
49.8% (variable)
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
More Info
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Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 085 0444), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Bank of Ireland UK Matched Mastercard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you will need to make the process as straightforward as possible.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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