What a 0% Credit Card Balance Transfer Means for You

January is the perfect time to take a good look at your financial situation. Bringing your finances back to basics and finding ways to save money can make life a lot easier. After the busy Christmas season, your credit card might be carrying some extra weight. The good news is there’s a quick and effective way to ease that load with a 0% interest Credit Card Balance Transfer for 9 months. In this article we will explain what a Credit Card Balance Transfer is, how to transfer credit card balance to another card, and the whole process involved with Avant Money Credit Card Balance Transfers.

What Is a Credit Card Balance Transfer?

A Credit Card Balance Transfer is a simple yet powerful way to take control of your finances. With a credit card balance transfer, you can transfer your balances from your other lenders' credit cards to your Avant Money One Card, benefiting from a 0% interest rate on the balance you transfer for 9 months. This allows you to pay off your balance more efficiently, free from interest charges on this balance for a whole 9 months.

If you have multiple cards, by transferring your various credit card balances to Avant Money One Card, you can make your spending simple with just one card and a single monthly payment, with 0% interest charged on this balance, for the first 9 months. Imagine how much easier it would be to have all of your balances in one place. You will also get the benefit of paying no interest on the balance too – Our 0% Credit Card Balance Transfers are a simple step that makes it easier to manage your finances.

If you do not already have a credit card with Avant Money, you can start your application online by checking your eligibility. Our One Card also comes with a range of additional benefits, including 0% interest on money transfers for 12 months*, 0% Interest on Purchases for 3 months, and €150 cashback* credited to your account.*

How to transfer your credit card balance to Avant Money

Applying for a credit card balance transfer is simple and straightforward. If you have an existing credit card, here's how you can get started:

1. Request online or call us
   The first step is easy: log into My Avant Money or call our dedicated team on 071 959 4051   to request your transfer. Our customer service team are available between the hours of 8am to 8pm Monday to Friday, and 8am to 2pm on Saturday (excluding Bank Holidays). They will help guide you through the process and answer any questions you might have.
2. Provide the details
   Simply provide the details of the credit card(s) from which you’re transferring your balance.
3. Transferring your funds - How long does a credit card balance transfer take?
   Once the details are provided, your funds may be transferred as soon as the following day – transfer before 2.30pm weekdays and the funds will be credited to your account in one business day. Transfers completed after 2.30pm, weekends and bank holidays will take 2 business days.

What does a Balance Transfer really mean for you?

A Credit Card Balance Transfer gives your finances a fresh start: lower interest, simple payments, and greater control over your money. With the interest you save, you’ll have the freedom to focus on what matters most to you, whether that’s managing other expenses, putting aside money for the future or easing your monthly budget. Give your wallet the boost it deserves and free up funds for what’s important to you. Take the first step toward great potential savings today - Zero season starts now!

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

Representative example: assuming credit limit of €1,500 repaid in 12 equal monthly instalments, total amount repayable is €1,666.50. Total cost of credit is €166.50.

*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 rate. When the promotional offer ends any outstanding amount will be charged interest at your standard variable rate of 16.8%. Money Transfers are available from €100 up to 95% of your credit limit.

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 1st February 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.