Deposit Plus
Wake your money up with Ireland’s best fixed rate. Get 2.70% (2.72% AER) for a 6-month term with Bankinter’s Deposit Plus.4
Welcome to
Avant Money
Welcome to Avant Money, where we rethink mortgages, loans, and credit cards to make them work better for you. Check out our lending products and apply today.
One Mortgage
Rest easy with One Mortgage. The only Mortgage in Ireland with the same repayment, month after month.5
2% Mortgage Cashback
Spend your mortgage cashback on your new home or on whatever you like! 1
Everyday+ Card
If you’re doing the big shop, the top-up shop or getting a meal deal, earn 5% cashback on groceries, up to €25 per month for the first 12 months.2
Loans
Thinking of getting a car? Get Ireland's best fixed rates on car loans over 30k3
Bankinter Deposit Accounts
We are offering Ireland’s best fixed term deposit rates, you can earn 2.70% (2.72% AER) fixed interest4 for a 6-month term on your funds, by switching your savings to our new Deposit Plus Fixed Term Deposit Account.
About us
Avant Money is the Irish branch of Bankinter, a leading European bank with a presence in Spain,
Portugal, Luxembourg and Ireland.
We offer Irish consumers a wide range of credit products designed with a focus on innovation and value.
Avant Money
An award-winning consumer finance company providing you with Personal Loans, Mortgages and Credit Cards.
Repayment difficulties
Are you concerned about missing a repayment? We’re here to help.
Visit our managing debt resources for cards and loans support or mortgage repayment difficulties for mortgage support.
1. Cashback Mortgage 2%
2% cashback is available when you draw down a new mortgage with a 3, 4, 5, 7 or 10 year fixed rate (does not include One Mortgage, Flex Mortgage and 4-year High Value Mortgage).
For example, borrow €400,000 and receive €8,000 cashback within two months of drawdown. 2% Cashback incentive is available on eligible New or Top-Up Mortgages drawn down between 1 January 2026 and 31 December 2026. For phased drawdown mortgages, the cashback amount will be calculated based on the initial mortgage drawdown amount. Payment of 2% Cashback will be paid within 2 months of drawdown. Lending Criteria and Terms and Conditions Apply. Applications from residents of Republic of Ireland only, subject to repayment capacity, financial status and property valuation. Property and life Assurance are required.
2. Everyday+ Credit Card
Variable interest rate 20.8%. Typical APR 22.9% (Annual Percentage Rate). Representative example: assuming credit limit of €1,500 repaid in 12 equal monthly instalments, total amount repayable is €1,669. Total cost of credit is €169.
Cashback applied at selected grocery retailers. Exclusions apply, see www.avantmoney.ie/credit-cards/everydayplus#faqs Max cashback is €25 per month 5% cashback valid for first 12 months; 1% thereafter. Lending criteria, Terms and conditions apply.
3. Car Loans
Lending criteria, Terms and Conditions apply. Source CCPC.ie, not including green loans. Information correct as of 17/04/2026.
4. Deposit Plus
Best in market claim is sourced from CCPC.ie 01/06/2026. AER is the Annual Equivalent Rate. Gross Interest at maturity of 1.35%. Minimum deposit €2,000, maximum deposit €2 million. Limited offer rate ends 14th July 2026. Interest is subject to Deposit Interest Retention Tax (DIRT). One withdrawal of up to 25% of the original deposit is permitted after the first 8 weeks. Offer available to Irish residents only. T&Cs apply. Bankinter S.A., trading as Bankinter, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.
5. One Mortgage
One Mortgage unique/only claim based on comparison against competitor mortgage products as advertised on their websites on 20th May 2026. One Mortgage is designed to provide a fixed rate for the full mortgage term (between 5 and 30 years), whereas competitor fixed-rate mortgage products are designed to provide a fixed rate for a set number of years (between 1 and 10), following which they revert to a managed variable rate or a new fixed rate.
Lending criteria and terms and conditions apply. The monthly repayment on a 20-year mortgage with Loan to Value (LTV) greater than 80% with variable borrowing rate of 3.95% on a mortgage of €100,000 is €603.35 for 240 months. Total amount repayable is €145,028.74. If interest rates increase by 1% an additional €53.85 would be payable per month. For this example, Annual Percentage Rate of Charge (APRC) of 4.0% applies and consists of variable borrowing rate of 3.95%, valuation fee of €185, and security release fee of €40. LTV is the amount borrowed as percentage of the value of your home. Information correct at 10th April 2026 and subject to change. You mortgage your home to secure the loan. Maximum loan is generally 3.5 times gross annual income (4.0 for first time buyers) and 90% of the property value (80% for switchers). The cost of your monthly repayments may increase – if you do not keep up your repayments you may lose your home. Applications from residents of ROI over the age of 18 only, and subject to repayment capacity, financial status and property valuation. We require property and life insurance.
*1% Cashback incentive is available on eligible New or Top-Up One Mortgages drawn down between 1 January 2026 and 31 December 2026. For example, borrow €400,000 and receive €4,000 cashback within two months of drawdown. For phased drawdown mortgages, the cashback amount will be calculated based on the initial mortgage drawdown amount.