What a 0% Credit Card Balance Transfer Means for Your Wallet
January is the perfect time to reassess your financial situation. Simplifying your finances 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 from gifts, celebrations, and shopping. The good news is there’s a quick and effective way to lighten 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.
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 balances to Avant Money One Card, you can simplify your payments to just one card and a single monthly payment, with 0% interest charged on this balance, for the first 9 months. Imagine the convenience of having all your balances in one place and the cost saving of paying no interest on the balance too – it's a simple step that makes managing your finances easier.
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:
- 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.
- Provide the Details
Simply provide the details of the credit card(s) from which you’re transferring your balance.
- 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 Mean for Your Wallet?
A balance transfer gives your finances a fresh start: lower interest, simpler 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, saving 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!
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit, a hire-purchase agreement, a consumer-hire agreement or a BNPL agreement in the future.
Lending criteria, terms and conditions apply. Rates correct as of 2nd February 2025 and are subject to change. Avant Money credit cards are only available to customers over the age of 18 and resident of Republic of Ireland. 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.
Representative example:
Standard variable rate 16.8% (nominal). Typical APR 22.9% (Annual Percentage Rate) includes government stamp duty of €30. Assuming credit limit of €1,500 repaid in equal instalments over 12 months, total amount repayable is €1,666.50. Total cost of credit of €166.50
*Offer valid from 2nd February 2025 €150 cashback on One Card subject to a balance transfer of at least €1,000 within 90 days of account opening, cashback payable within six months of account opening. Certain transactions are excluded, see details at Credit Cards FAQs.
