Switching credit cards – all you need to know

Switching your credit card is a simple way to take more control of your money. Before you look at different offers, here are the main reasons people choose to switch credit card in Ireland.

Lower your interest costs

High interest makes it harder to clear your balance because more of your repayment goes toward interest rather than what you owe. Switching to a card with lower rates can help you pay off your balance faster.

For example, the Avant Money One Card offers:

• 0% interest on Purchases for 3 months*
• 0% interest on Money Transfers for 12 months*
• 0% interest on Balance Transfers for 9 months*

This can make repayments far easier to manage.

Take advantage of introductory offers

Many people switch to benefit from strong introductory offers. These can give you extra value from day one. The Avant Money One Card has the most comprehensive introductory offers in Ireland ¹.

Give yourself a fresh start

Switching can help tidy up your finances. With a 0% Balance Transfer* you can move your existing balance to your new card and stop interest building up. This gives you time to focus on reducing what you owe, without high interest getting in the way.

Having everything in one place also makes it easier to stay organised and avoid missed payments. If you want to learn more, see our guide to transferring your credit card balance.

Get better features

Switching can also give you access to better tools and features. Some cards offer easier digital account management or more flexible choices with regards to repayment.

The Avant Money One Card includes simple online controls that help you track spending and manage repayments smoothly, making day to day budgeting easier.

How to switch your credit card in Ireland

Switching is simple:

1. Choose the card you want to switch to.
2. Complete a short online application.
3. Once approved, request a balance transfer by giving the details of your old card and the amount you want to move.

Your new provider will take care of the transfer for you.

When your new card arrives, activate it and start managing your account online. If you’ve moved your balance to a card with a 0% Balance Transfer offer, this is when your promotional period will begin. Paying off your balance during this time can help you clear it faster, as you’re not charged interest on the transferred amount.

Is switching right for you?

Switching your credit card can help you save money, lower your interest costs and make repayments easier to manage. A 0% Balance Transfer card, like the Avant Money One Card*, can give you the breathing room you need to focus on paying down your balance.

If you want a simple way to take more control of your finances, switching to Avant Money could be a great option.

Variable interest rate 16.8%. Typical APR 22.9% (Annual Percentage Rate) includes government stamp duty of €30.

Representative example: Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments, total amount payable is €1666.50. The cost of credit is €166.50.

1. Info correct as of 19th February 2026, source CCPC.ie.

*You will need to complete a balance transfer or money transfer within the first 90 days of opening your account to avail of the promotional rates. For any offers related to purchases, the promotional period commences from the date your account is opened. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate.

Lending criteria, terms and conditions apply. Avant Money credit cards are only available to customers over the age of 18 and resident of Republic of Ireland. Rates correct as of 30th January 2026 and are subject to change.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.