Credit Card FAQs

A credit card is a payment card that allows the person to borrow money from a financial institution. The credit card can be used to pay for goods and services, or take out cash, and then repay the borrowed amount later, with interest. Credit cards have a spending limit, called your credit limit which is the maximum amount you can borrow and will usually depend on your credit history and income. If used in a responsible way, credit cards can provide a safety net in case of unexpected expenses and offer a useful way to buy items online or when travelling. Find out more information on what is a credit card.

When you use your credit card, Avant Money pays the retailer for you. At the end of each billing cycle, you will receive a statement detailing your spending and the total amount that you owe. You have the option to pay the full balance, a minimum payment or an amount in between. If you only make the minimum payment each month, it will take you longer and cost you more to clear your balance as you will be charged interest on the remaining balance. If you miss a payment or go over your limit, you will also be charged late fees or fees for exceeding the credit limit. Discover more information on getting your first credit card including the basics of how credit cards work and the importance of research to find the right one for you.

Mastercard Identity Check™ helps verify that your purchases are indeed yours. In the event of uncertainty, you may be asked to authenticate your identity via our mobile app, a one-time passcode that we'll send to your phone via SMS or by answering your security questions.
See here for more information.

A one-time passcode is a random number that Avant Money will send to you in real time via an SMS text message to your mobile phone.

We will send you a one-time passcode when you are using My Avant Money, registering to use the Avant Money mobile app or when you shop online.  

If you have not logged into your My Avant Money account within the past 90 days you will be prompted to enter a one-time passcode.

You may also be prompted for a one-time passcode on other occasions such as when updating contact details, for example, your address or email.

Please note, Avant Money will never ask you to complete Strong Customer Authentication by clicking on a link in an EMAIL or a TEXT message.
You should never disclose a one time passcode to anyone. If you have disclosed your one time passcode at any time please contact us immediately.

You can find additional information regarding the one time passcode by clicking here.

One-time passcodes are sent via SMS – Please ensure your mobile number is up to date for all credit card accounts that you have with us.

When you pay a merchant online, you may be given the option to add the merchant to your “trusted list”. If you opt to trust the merchant, any subsequent transactions will not require 3DS (two factor authentication), except when the transaction needs to be checked for security purposes.

Find out more about trusted merchants here.

Yes, you can service your card online at my.avantmoney.ie and on our mobile app. Find out more here.

Once you’ve received your new Avant Money credit card, you need to activate it online at my.avantmoney.ie. To do this, you will need your card or account number and credit limit details.

If you would like to make a complaint, please call us on 0818 409 511* or you can write to the Customer Advocate Office Manager, PO Box 25, Carrick on Shannon, Co Leitrim.

For more information on our complaints process please click here.

*Calls charged at national rates, cost may vary depending on your network provider.

You will need the following information to enrol in My Avant Money:

Your credit card OR account details.

A main cardholder or authorised user can enrol using their credit card details.  A main cardholder can also enrol using the account number. If using your credit limit, you'll find this on your card mailer or recent statement.

You will also need to enter some important details about you and your card, along with creating a username and password. Once you start the enrolment process, you will be prompted along the way with all of the information you need to access your account.

When you log in for the first time you will be prompted to enter a one-time passcode that will be sent by SMS to the mobile phone number on your account.

If you have more than one Avant Money credit card account you will need to set up a profile for each one.

To stay secure, please choose login details which are easy to remember but difficult to guess and never give them to anyone else.

If you've forgotten your login details, it's easy to reset them if you click on the 'Forgot Password' link on the login page and follow the instructions. You'll be asked to provide some information about you and your account, choose a new password and then you will be able to access your account or set up the mobile app.

If you have forgotten your username you will need to contact us to complete some security questions. You can call our Customer Service team on 0818 409 511, 8am to 8pm Monday to Friday and 8am to 2pm on Saturday, excluding Bank Holidays.

Yes, additional authorised card users can enrol onto My Avant Money. This must be completed using the additional cardholders credit card details and not the account number.

The first thing to do is understand your financial situation by reviewing your financial circumstances, for example with the free budget planner located on the It’s Your Money website. Secondly, check if you have insurance (such as payment protection insurance) and, if you do, check your policy to see if you can make a claim. Thirdly, if you do have concerns, you can print, complete and return our Income and Expenditure to:

Po Box 25
Carrick on Shannon
Co. Leitrim

You can call us with the details of your incomings and outgoings on 0818 211 784 to discuss the options available to you or you can contact MABS for assistance.
Money Advice and Budgeting Service
www.mabs.ie
Lo Call: 1890 283 438

Yes, you will need to have an My Avant Money username and password in order to first register for the mobile app.

Click here, to see the available services available on My Avant Money.

Customer Due Diligence (CDD) is a process used by banks and financial institutions to verify who their customers are and understand their financial activities.

There are 3 key reasons to do this, all of which are based around ensuring that your financial transactions are secure and that your identity is protected. By verifying your information, we can prevent unauthorised access to your account and safeguard your assets.

1. Protecting Your Interests:Ensure your transactions are secure and your identity is protected.
2. Comply with regulations:Financial Institutions are required by law to meet Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations.
3. Prevent Fraud:The information available helps detect and stop fraudulent activities.

Updating your CDD information periodically helps us ensure your account's security and comply with regulatory requirements. It allows us to detect and prevent any suspicious activities, protecting you and your finances.

You may need to provide updated identification documents (e.g., passport, driving licence) and proof of address (e.g., utility bill, bank statement). We may also ask for information on your employment status and other key information.

We may request updates periodically, depending on regulatory requirements and changes in your account activity. We will notify you when an update is needed.

Your security is our priority. Our online platform is secure, and all data is encrypted. However, if you have any concerns, please call our customer service team at 0818 409 511 . Remember, we will never ask you to share your security codes or click on links.

A digital wallet simply stores digital versions of your credit cards on your smart device, such as a smartphone or tablet. As with contactless card payments, you can pay in a shop by holding your smart phone over a compatible card reader (point of sale machine). You can also use a digital wallet app while shopping on your device.

The first card you add to Google Pay becomes your default payment card and will remain so unless you change it.

To change your default card, or to make a payment using another card, simply select the preferred card within the Google Pay app settings and tap 'Set as default card’.

If you get a new device, you will need to add your card(s) to Google Pay again.
Before selling, trading in, or getting rid of a phone or tablet, please make sure you delete your card(s). You should also delete your card if you give your phone or tablet to someone else for a short time, for example, for repairs.
You can delete a card from Google Pay at any time. Open the Google Pay app, select the card, and tap ‘Remove card’. You can also use Android Device Manager to delete all data on the phone or tablet from another location, including your card(s).

If your device is lost or stolen, please contact us immediately on 1800 28 6262 (freephone in the Republic of Ireland) or +353 71 959 4040 outside of the Republic of Ireland. Available 24 hours 7 days a week.

We recommend that you also register for and use Android Device Manager. This will allow you to find, lock and delete details on your phone if it is lost or stolen. You can enter ‘Find my Device’ on Google.com to locate your device.

The one-time passcode will be sent to either the primary card user or the additional card user via text message based on the phone number registered with Avant Money for the associated card.

To keep your card safe, we send a one-time passcode by text message to your registered number. You will confirm your identity by entering this code in the correct field. This is a security code and should never be shared. Avant Money staff will never ask you for this code.

You can request a new One Time Passcode a maximum of three times. After this, you will need to be verified by calling the customer service number provided on the screen.

Yes. When you pay in a shop, Google Pay doesn't send your actual credit card number with your payment. Instead, a virtual account number is used to represent your account information, so your card details stay safe.

When you use Google Pay for the first time, we may send you a security code to use to confirm that you want to add your credit card to your Google Pay Wallet. You should never give that code to anyone else regardless of who they say they are or why they say they need it.

Once you report your card as lost or stolen to Avant Money, your card details will be automatically updated. You can continue to use Google Pay on your device while your new card is sent to you.

There could be a number of reasons for this:

1. There may not be enough funds or credit limit available to make the payment.
2. The payment is over €50. Some shops may not allow Google Pay payments above €50 on their terminals.
3. The shop does not accept contactless payments. Not all shops accept contactless yet. Please use another payment method, such as your Avant Money credit card with Chip and PIN.
4. Your phone has not connected to mobile data or Wi-Fi for a while – A data or Wi-Fi connection is needed after 30 payments. Your phone does not support Near Field Communication (NFC), or NFC is turned off – NFC is the chip in your phone that allows contactless communication with the point of sale.
    

In-Store and in-App: There are no Avant Money credit card transaction fees. Cross border handling fees apply to non-Euro Google Pay payments, the same as for any non-Euro credit card payment.
For more details on cross border handling fees, please check the back of your credit card statements.

Your Mobile network company may charge you depending on your data plan.

You may need mobile data or a Wi-Fi connection to make Google Pay payments in shops.
You will need mobile data or Wi-Fi to add a card to Google Pay, to refresh security settings, and after restarting your device.
You will also need mobile data or Wi-Fi connection to receive payment notifications.

Pay with iPhone using Touch ID

Hold your finger on Touch ID and place your iPhone near the contactless reader until you see 'Done' and a checkmark.

Pay with iPhone using Face ID

• Double-click the side button, look at your iPhone to confirm with Face ID or enter your security code.

• Hold the top of your iPhone near contactless reader until you see Done and a checkmark.

Pay with Apple Watch

• Double-click the side button and hold the display of your Apple Watch near the contactless reader.

• Wait until you feel tap.

Pay in an app

With your iPhone, iPad, or Mac, you can use Apple Pay to make purchases in apps where you see the Apple Pay symbol.

• Tap ‘Buy with Apple Pay’ or ‘Apple Pay’ or choose Apple Pay as your payment method.

• Follow the instructions on the screen.

• Confirm the payment. When your payment is successful, you’ll see 'Done' and a checkmark on the screen.

You do not need mobile data or Wi-Fi to make purchases with Apple Pay. However, you will need mobile data or Wi-Fi to add a card to your Apple Pay app and to receive payment notifications.

There are no fees or charges for using Apple Pay.
However, cross border handling fees apply to non-Euro Apple Pay purchases, the same as for any non-Euro credit card purchases.
For more details on cross border handling fees, please check the back of your credit card statement.
Your mobile network company may charge you depending on your data plan.

Yes, Apple Pay uses security features built into your Apple devices to keep your payments private and secure.

All payments require Face ID, Touch ID, or your security code on your iPhone, iPad, or Mac, and a double click on your Apple Watch. These features make sure only you can make payments with Apple Pay.

Your real card number is never stored on your device or Apple servers. When you pay, your card number is never shared with shops. This keeps your details hidden and adds extra protection against fraud.

Once you report your card as lost or stolen to Avant Money, your card details will be automatically updated. You can continue to use Apple Pay on your device while your new card is sent to you.

From Apple Pay app

1. Open the card details.

2. Tap ‘Info’.

3. Tap ‘Remove Card’.

From 'Settings'

1. Open Settings

2. Tap ‘Wallet and Apple Pay’

3. Select the card you want to remove.

4. Tap ‘Remove Card’

From ‘Find my iPhone’ through iCloud

1. Go to ‘Find my iPhone’

2. Select the phone or tablet under ‘My Devices’

3. Choose ‘Remove’ for the card that you want to delete

From iCloud

1. Open 'Settings'

2. Select ‘My Devices’

3. Choose the phone or tablet under ‘My Devices’

4. Select ‘Remove’ for the card that you want to delete.

If you get a new Apple device, you will need to add your card(s) to Apple Pay again. Before selling, trading in, or getting rid of your Apple device, please make sure you delete your card(s). You should also delete your card if you give your phone or tablet to someone else for a short time, for example, for repairs. You can delete a card from Apple Pay at any time. Tap on the credit card you'd like to delete and then tap on ‘Remove Card’.

Apple Pay enables Contactless transactions on your Apple device instead of your physical card.

Apple Pay lets you make contactless payments using your Apple phone, tablet, or watch instead of your physical card. Contactless payments with your physical credit card have a €50 limit per payment. Apple Pay allows payments over €50*, as long as you have enough balance or credit limit. You must confirm each payment with Face ID, Touch ID, or your security code. *Some shops may not support Apple Pay payments over €50 on their terminals.

There could be several reasons:

• There may not be enough funds or credit limit available to make the payment.

• The payment is over €50. Some shops may not support Apple Pay transactions above €50 on their terminals.

• The shop does not accept contactless payments. Not all shops accept contactless yet. Please use another payment method, such as your credit card with Chip and PIN.

• If you do any of the following on your phone or tablet, all cards in the Apple Pay app will be deleted:

    1. Sign out of iCloud

    2. Remove security code, Touch ID, or Face ID

    3. Do a full restore in iCloud

    4. Delete all content and settings

If your device is lost or stolen, please contact us immediately on 1800 28 62 62 (freephone in the Republic of Ireland) or +353 71 959 4040 outside of the Republic of Ireland. Available 24 hours 7 days a week.

We recommend that you also register for and use Find My iPhone. This will allow you to find, lock and delete details on your iPhone if it is lost or stolen

You can request a new One Time Passcode a maximum of three times. After this, you will need to be verified by calling the customer service number provided on your Apple device screen.

The one-time passcode will be sent to either the primary card user or the additional card user via text message based on the phone number registered with Avant Money for the associated card.

To keep your card safe, we send a one-time passcode by text message to your registered number. You will confirm your identity by entering this code in the correct field. This is a security code and should never be shared. Avant Money staff will never ask you for this code.

If you see a transaction on your statement that you do not recognise, first check whether someone else with a card on your account made it.

You can view your transaction details in My Avant Money or in the mobile app. These details include the transaction date, which card was used, and the place it was used.

If you still do not recognise the transaction, please contact our Customer Service Team. You can call them on
0818 409 511, Monday to Friday from 8:00 AM to 8:00 PM, and on Saturday from 8:00 AM to 2:00 PM (excluding Bank Holidays).

Please contact us within 30 days of the statement date so we can help you recover your money.
 

First, try to contact the merchant or the company’s administrator. If possible, call them or check their website for the latest information.

If you cannot fix the problem with them, you can call our Customer Service team for more help. They are available at 0818 409 511, Monday to Friday from 8:00 AM to 8:00 PM, and Saturday from 8:00 AM to 2:00 PM (except Bank Holidays).

We cannot cancel a transaction after it has been made so you will need to contact the retailer directly to cancel the transaction or request a refund.  However, If you are unable to resolve your query directly with them you can call our Customer Service team for additional assistance.  They are available on 0818 409 511, from 8am to 8pm Monday to Friday and 8am to 2pm on Saturday, excluding Bank Holidays. 

If you have previously authorised a merchant to charge regular payments to your account (for example, subscriptions or insurance), and you wish to cancel future payments, you will need to contact the merchant directly. If you are unable to resolve the issue with the merchant, please contact our Customer Service Team. You can call them on 0818 409 511, Monday to Friday from 8:00 AM to 8:00 PM, and on Saturday from 8:00 AM to 2:00 PM (excluding Bank Holidays).

If your credit card is used without your knowledge or consent, or if it is lost or stolen, please contact our 24‑hour Lost and Stolen Team immediately. You can call the freephone number 1800 286 262, or +353 71 95 94040 if you are calling from abroad. The team will block your card straight away, investigate any unrecognised transactions, and support you in requesting a refund through the Mastercard chargeback process, where applicable.

You should first contact the merchant directly by email or telephone. This gives them the opportunity to resolve the issue or arrange a refund. If you are unable to resolve the issue with the merchant, please contact our Customer Service Team on 0818409511, Monday to Friday from 8:00 AM to 8:00 PM, and on Saturday from 8:00 AM to 2:00 PM (excluding Bank Holidays). The team can support you in requesting a refund through the Mastercard chargeback process, where applicable.

Interest is charged on all payments, handling fees, and late charges from the date they are added to your account until the date you pay the full account balance. You will not pay interest on the card purchases shown on your current statement if you pay the full balance by the due date on that statement, and you also paid the full balance on the previous statement by its due date. We calculate interest daily, so the sooner you make a payment, the less interest you will pay. Other transactions, such as cash withdrawals and gambling, will accrue interest every day. Interest will appear as a “finance charge” on your statement.

Yes, fees and charges apply to Avant Money credit card customers under the following circumstances:

Late fee: There will be a fee of €15.24 each time your minimum payment has not reach your account by the date that payment is due.

Over limit fee: A fee of €12.70 will be charged once per month if your balance goes over your credit limit at any time during that statement period.

Cash handling fee: A fee of 1.5% (minimum €2.50, no maximum) is charged to your account when you make cash transactions. A cash transaction is any transaction that gives you cash or something similar using your card or card number, such as foreign currency, traveller’s cheques, postal orders, gambling, or electronic cash transfers which are not money transfers.

Foreign exchange commission: A fee of 2.65% of the value of each foreign exchange transaction will be charged by us if you make any transaction in a currency other than Euro.

To see the total mark-up for foreign exchange payments in the European Economic Area (EEA), please visit Cross Border Currency Conversion within the EEA.

Government stamp duty: The Irish Government charges €30 per year on credit cards on 1 January, for the previous year. This applies to each card/account in your own name. The amount may change each year based on the annual budget. For more details, visit the Revenue website.

Payments at the post office: If you have to make a payment over the counter at a post office a processing fee of €1.09 will apply.

Your statement will be posted to you once a month unless you have selected eStatements. For these, we will send a notification via email on a monthly basis to let you know that your eStatement is ready to view online. You can change your statement delivery method any time in the Settings menu of your My Avant Money account.

Your statement will inform you of the minimum payment amount and the date it is due. In certain circumstances, we can amend the statement so your payment date falls at an alternative time of the month. If you would like to discuss your statement with us please call our team on 0818 409 511.

You will see this message on the statement menu when a statement has yet to be generated for that month. This message can also appear if there was no balance on your account at that time.

You must make a minimum payment every month.

If your statement balance* is €25 or less, you must pay the full amount in your statement.

If it’s more than €25, you must pay either €25 or 1% of your statement balance*— whichever is higher. We calculate this for you and display this on your statement.

*The statement balance in the calculation above is the balance before any interest or fees are charged for the statement period. These charges will be added to your statement after the calculation above is complete. More information on fees and charges can be found in the Schedule of Fees and Charges.

If you are not receiving email notifications, we suggest you check that the email address we hold for you is correct. You can do this by logging into your My Avant Money account in your settings menu or in the Mobile app under 'View profile' within the More menu. 

Occasionally when you are using a business email account, the firewall may be blocking the email being delivered. Check your 'junk/spam' inbox and if the email is located there then add the email to your safe list.
If the problem persists, call our team on 0818 409 511 and we’ll help to sort this out for you.

Making payments on time is an important part of managing your credit card and shows that you handle your finances responsibly. You can find the minimum payment amount and the payment due date on your statement or online.
There are several ways to make payments to your account:

1. Payments from your current account To pay online through My Avant Money or the mobile app, by telephone banking, or by standing order via your bank, you will need the following details:

Bank Account Name: Bankinter SA
(Include this in the transfer to avoid delays.)
Our BIC: CITIIE2X
Our IBAN: IE90CITI99005117683012

Reference Your 16-digit credit card account number (starts with 245, different from your card number, and exclude any leading zeros). You’ll find this on your statement. Using any other reference will result in your payment being returned.

2.Payments via the Post Office Bring your payment (cash or debit card) along with your giro slip (at the bottom of your statement) or your credit card to the post office. Allow 3 business days for the payment to reach your account. A processing fee of €1.09 applies for payments made over the counter. No interest will be charged on this fee.

3. Payments directly to us You can make debit card payments anytime in My Avant Money or the mobile app.

Payments made before 4:00 PM on business days will be credited the next business day. Payments after 4:00 PM, on weekends, or Bank Holidays will be credited in 2 business days.

You can also pay by VISA or Mastercard debit card over the phone, 24/7, by calling 0818 409 511 and selecting “make a payment.” Business days exclude weekends and Bank Holidays. Limits:

Phone payments: 1 payment per day (max €500), up to 3 payments in 30 days. Online (My Avant Money or app): Unlimited payments, up to €10,000 per day per account. Bank transfer and Post Office: Unlimited payments (subject to your bank’s limits).

What is DocuSign?
DocuSign is a secure electronic signing service that allows documents, such as contracts or agreements, to be signed online using a digital signature. It also helps verify user identity and manage documents securely. For more information, please read the DocuSign Privacy Notice.

Once you have completed the form, you will receive a confirmation email with the completed document attached.

Credit card online direct debit mandate

Important information about setting up a direct debit

• It may take some time for your new direct debit to become active. If it is not set up in time for your payment due date, you may need to make an additional payment.
• If you have more than one account with us, you must complete a separate direct debit mandate for each account.
• Direct debits cannot be set up from a savings account.
• If you are setting up a direct debit from a joint account and both signatures are required, you must download the credit card printable direct debit mandate, print it, have both account holders sign it, and return it to us by post.
• If you prefer not to complete the form electronically, you can download the credit card printable direct debit mandate, sign it, and return it to us by post.
• You cannot set up a fixed direct debit amount. Payments must cover either the full monthly balance or the minimum monthly balance due.

You can make debit card payments any time in your My Avant Money account or by using the Avant Money mobile app. Payments made before 4.00pm on business days will be credited to your credit card account the next business day. Payments made after 4.00pm or on weekends and Bank Holidays will be credited to your account in 2 business days.
You can also pay with your VISA or Mastercard debit card over the phone, 24 hours a day, 7 days a week, by calling us on 0818 409 511 and selecting the “make a payment” option from the menu.
Business days exclude weekends and bank holidays.

Your direct debit payment will be credited to your credit card account on your payment due date. If the due date falls on a Sunday or a Bank Holiday, the payment will be credited on the previous business day. The amount will be debited from your bank account either on the same business day or on the next business day. To see when your next payment will be taken from your bank account, please refer to your latest online credit card statement. Direct debit payments will appear on your bank account statement under the name “Bankinter S.A.”. Please note that if we receive any additional payments or credits on your account at the time we send the direct debit instruction to your bank (normally seven working days in advance), we will reduce the direct debit amount. This is to ensure that the direct debit, together with any other credits, does not exceed the balance shown on your most recent statement.

A late payment fee will be charged to your account if at least the minimum payment shown on your statement has not been credited to your account by the payment due date shown on that statement. You can check when your next payment is due by logging into your My Avant Money account or by logging into the Avant Money mobile app. 

When choosing a payment method, please ensure you know how long it takes for the payment to reach your account - if your payment due date is soon, you should select a quicker payment method. If you forget to make a payment you should make one as soon as possible to bring your account up to date.

Yes, you can change your PIN to one that you will be able to recall easily without the need to store it anywhere. You can go to the following ATMs in Ireland: Ulster Bank, AIB and Bank of Ireland. It is best to avoid numbers that would be easy to guess such as your date of birth or a common sequence like 9999.

You can request a copy of your PIN online in your My Avant Money account or by calling our Customer Service Team on 0818 409 511 between 8am to 8pm Monday to Friday, 8am and 2pm on Saturdays, excluding Bank Holidays.

You can request a copy of your PIN online or by calling our Customer Service Team on 0818 409 511 between 8am to 8pm Monday to Friday, 8am and 2pm on Saturdays, excluding Bank Holidays.

You can order a replacement card online in your My Avant Money account under the Services menu. However, if your card has been lost or stolen or the name on the card has changed please call our Customer Service Team on 0818 409 511 as they will need to order a new card for you.

You can report a lost/stolen card 24/7 by calling on this freephone number 1800 286 262 or +353 71 95 94040 if you are abroad.

Once ordered, a replacement card will take 5-7 working days to arrive.

Before you travel:

There’s no need to withdraw large amounts of euro or foreign currency when you can use your credit card in almost every country around the world for both shopping and withdrawing cash at local ATMs.

It is useful for us to know in advance that you are going to be abroad so we know to expect some international transactions and can minimise any inconvenience when using your card - let us know by adding a travel notice to your card via My Avant Money or calling us on 0818 409 511.

Ensure that you have our overseas number +353 71 9594040 written down and saved on your mobile phone - we’ll be here 24 hours a day, 7 days a week if you need our help in the event your card is lost or stolen, no matter where in the world you are. It is also useful to keep a copy of all your important phone numbers in your hotel room.
 
 

While you’re away:

• Your PIN
• Be careful with your PIN, never give it to anyone for any reason
• At an ATM, be aware of your surroundings and use an ATM that is in a busy location
• Remember to always shield your PIN
• Check the amount you are paying at the retailer’s terminal before entering your PIN

Your card

• Keep your cards with you rather than packing them in your suitcase and don’t leave your card unattended either in your hotel room or when using it in shops or restaurants
• Always ask for a receipt.
• Make sure that all of your valuables are concealed, especially in cars or on the beach

Mastercard and VISA have ATM locators on their website, so you will never be too far away from some extra cash. 

You’re fraud protected if your credit card is used without your knowledge or consent, please call us on freephone number 1800 286 262 or +353 71 95 94040 from abroad and we will block your card and investigate any potential fraud transactions.

It’s important you contact us immediately if you think your card has been lost or stolen or if you notice any unusual transactions on your account. We will be here to answer your call 24 hours a day, 7 days a week.

If anyone fraudulently spends on your credit card, or you didn’t receive the goods or services you paid for, we’ll help you get a refund under the Mastercard or VISA chargeback scheme.

If you use your card outside the Eurozone, a foreign currency fee of 2.65% will apply to each transaction. This fee will be clearly shown on your monthly statement. For cash transactions, a cash handling fee of 1.5% is applied. This fee has a minimum charge of €2.50 and no maximum limit.

Fraudsters engage in this activity where they attempt to impersonate your bank, credit card provider, utility company or other entity and ask you to respond by going to a dummy login page where you are requested to enter personal information which can then be used to make fraudulent transactions on your bank or credit card account. The name given to this type of fraud is Phishing.
Phishing e-mails may pretend to come from government departments such as the Revenue Commissioner, as well as banks, credit card companies and online shops.
They may sound convincing or contain realistic-looking logos and official-sounding text. They may even carry a warning about Phishing.

Remember: We will never email and ask you to enter your credit card number, login details or any personal information. If you are in doubt, always delete emails of this nature.
By responding to such e-mails or going to the website address on the email and entering your information, you are giving the fraudsters all the information they need to use your credit card to make transactions which may then appear on your monthly statement. Please bear in mind that we will always do everything in our power to help you if there are transactions on your account that are not yours.

Extra checks you can make are:
The address used by a counterfeit site may be very similar to our genuine website addresses. Look closely for spelling differences or the use of symbols, e.g. www.avant-money.ie or www.aventmoney.ie
Hidden addresses - rest your cursor over a link in an email (but don't click on it) and a box will pop up showing you the link destination - do you recognise it as a legitimate address? If not it could suggest that the sender has something to hide.

Fraudsters don't only strike online. There has been an increase in hoax phone calls with callers claiming to be bank employees or from large technology companies asking for personal details.
If the caller claims to be one of our employees and you have reason to doubt their identity, hang up and, if possible, use a different phone and dial the telephone number at the back of your credit card to check if we have tried to call you.

Example:
A phone scam that is quite common today is where the caller will claim to be technical support staff from a computer software company. They will usually tell you that they have noticed from their records that you need to have your computer urgently updated, along with a list of dangerous sounding outcomes if you do not – such as a new virus is likely to corrupt your device.

These calls can take 2 directions, both of which can lead to fraud on your account:
They may ask for remote access to your computer to install a virus which will allow then to obtain your personal details.

They may ask you for your credit card details for a payment to “fix” your computer. This may also include a request to give them your card number, expiry, 3 digit CVC number from the back of your card and even your 3D Secure password – this could allow them to either take a payment directly from your card or use your details to order large cash payments via payment channels like the Western Union.

Skimming is the theft of credit card information used in a legitimate transaction. The fraudster can use a small electronic device (skimmer) to swipe and store credit card numbers. Instances of skimming have been reported where the fraudster has put a device or group of devices illicitly installed on an ATM. More recently made ATMs now often run a picture of what the slot and keypad are supposed to look like as a background, so you can identify if there are any foreign devices attached.

If your credit card is used without your knowledge or consent, or goes missing, please call our 24 hour Lost & Stolen Team on this freephone number 1800 286 262 or +353 71 95 94040 from abroad. They will block your card immediately, investigate any unrecognised transactions and help you get a refund through the Mastercard or VISA chargeback process.

Bankinter S.A., trading as Avant Money, acts as an insurance intermediary for the Payment Protection Insurance (PPI) provided by AXA France VIE S.A. and AXA France IARD S.A. on Avant Money credit cards.

Avant Money receives a commission of 50% of the total insurance premium paid by the customer. This commission is paid by AXA on an ongoing basis for the service we provide.

If you previously took out Payment Protection Insurance (PPI) through Avant Money and would like more information about your cover, please contact our Customer Service Team. We're happy to help.

You can reach us by phone at 0818 409 511 (from Ireland) or +353 71 959 4040 (from abroad). If you need to make a claim, please contact AXA Partners SAS at 01 7617396.

If your PPI policy has been suspended because your credit card account is not up to date, you may still be able to claim for events that happened before the suspension.

Your PPI Policy number is your Avant Money credit card account number. Your 16 digit credit card account number which begins with 245. This is different to your card number and must exclude any '000' if displayed at the start of the account number. You will find this number on your statement, which can be accessed through Online Banking, or through the app.

Please note: Avant Money no longer offers PPI as a new product. This information is provided only for customers who already have PPI and may need support or clarification about their existing policy.

5% cashback on grocery purchases up to a maximum of €25 per month for the first 12 months. After that, you will get 1% cashback. You also get an extra 0.1% on all other purchases, all the time. Some exclusions apply.

You get 5% cashback on grocery purchases up to a maximum of €25 per month for the first 12 months. Every shop sets out how card payments are treated for cashback. If a shop has chosen one of the codes listed below, your payment will be included when we work out your cashback:

Grocery Stores, Supermarkets (MC Code 5411)

Food Stores, Convenience Stores and Speciality Markets (MC Code 5499)

Service Stations (with or without extra services) (MC Code 5541)

Dairy Product Stores (MC Code 5451)

Meat Provisioners (Freezer and Locker) (MC Code 5422)

Bakeries (MC Code 5462)

Candy, Nut and Confectionary Stores (MC Code 5441)

Additionally, you can also earn 0.1% on all other retail spend, not including the above codes and certain other exclusions.

Qualifying purchases are based on the code that the shop has selected for card payments. Avant Money does not control this. Some purchases do not qualify and will not count towards the Everyday+ cashback offer:

a. Any amounts automatically charged to your account, such as interest, fees, and charges.

b. Any purchase of virtual currency or cryptocurrency.

c. Any quasi-cash transaction meaning one which is similar or easily turned into cash and includes negotiable instruments, money orders, wire transfers, travellers’ cheques, gaming or betting related transactions.

d. Gambling and internet gambling transactions.

e.Balance transfers and money transfers.

Excluded payments may change at any time during the offer period.

No. Balance transfers and money transfers do not count as eligible payments for the cashback offer.

We will take away the refunded amount in the statement period when we receive it. This will reduce your qualifying spend for that period.

We will credit the cashback to your account every month based on the payments from the previous month. It will appear on your monthly statement.

No, your monthly minimum payment will still be calculated based on our Terms and Conditions.

Yes. You must keep making at least your minimum payment by the date shown on your statement to get your cashback reward. If your card is suspended, blocked, or cancelled because a balance outstanding has not been paid for more than 60 days, you will not qualify for cashback.

How much do I need to spend to qualify?

You need to spend €500 on eligible transactions in each of the first three months after your account is opened. Month 1 starts on the day your account is opened and ends on the same date the next month.

What transactions are excluded?

Cash withdrawals, gambling, and cryptocurrency purchases do not count towards the €500. Any automatic charges like interest, fees, government stamp duty, and other charges are also excluded. Please check the full list of excluded transactions.

Are Balance Transfers and Money Transfers eligible?

Yes, Balance Transfers and Money Transfers count as eligible transactions.

What happens if qualifying purchases are refunded?

If a purchase is refunded, we will deduct that amount from the qualifying spend for the statement period when the original purchase was made.

When will the €150 be credited to my account?

If you meet the qualifying spend, we will credit the €150 reward to your account within 6 months of opening the account.

Will the €150 credit reduce my minimum payment due?

No, your monthly minimum payment will still be calculated based on our Terms and Conditions.

Anything else I should know?

Yes. You must keep making at least your minimum payment by the date shown on your statement to get your €150 reward. If your card is suspended, blocked, or cancelled because a balance outstanding has not been paid for more than 60 days, you will not qualify for reward.

Your rewards will be displayed on your credit card statement as “Interest Refund Reward”.

Yes. The maximum reward in any monthly statement is €24 for Interest Refund.

Yes. You must keep making at least your minimum payment by the date shown on your statement to continue receiving cashback rewards. If your card is suspended, blocked, or cancelled because a balance outstanding has not been paid for more than 60 days, you will no longer be eligible for the rewards programme.

If you use your card regularly and don’t always pay the full balance, you will be charged retail interest. With the Interest Refund reward, you get back 25% of the retail interest charged on your previous monthly statement. This reward is credited to your card account and can be used for anything you like. The maximum monthly reward is €24.

Note: Interest on cash withdrawals is not included in the Interest Refund reward. You cannot use your Interest Refund to pay your minimum monthly repayment shown on your statement.

Your Interest Refund will be credited to your card account one month later. For example, 25% of the retail interest from your January statement will be credited to your account in your February statement.

No. Rewards are added to your account as a credit, but they cannot be used to pay your bill or cover your minimum payment.

It depends on how you use your credit card. If you have a balance on your current card that you want to transfer, the Avant Money One card might be better because it offers a longer promotional rate for balance transfers. If you think you won’t always pay off your full retail balance each month and may pay retail interest sometimes, then Avant Money Reward+ could be the better option for you.

No. Avant Money credit cards do not have account management or service fees. Government stamp duty: each year, the government charges a tax (stamp duty) on credit cards. This applies to each unique card or account in your name. The amount may change yearly based on the government’s annual budget.

No. There is no option to combine the offers and features of different cards.

The cashback option was removed from Reward+ on 19 January 2022. Customers who still have this reward earn 1.25% back in cash on shopping and entertainment purchases, including online shopping for groceries, department stores, clothes and shoes, chemists, hardware, electrical items, petrol stations, restaurants, concert tickets, and public houses.

What is not included?

Travel, gambling, and service-related purchases do not qualify for cashback. This includes holidays, car hire, public transport, flights, hotels, online betting, bookmakers, healthcare, electricity, water, and gas charges.

See the full list of spend which does not qualify for further details

Full list of qualifying transaction retail spend which will earn cashback.

Merchants decide how their business is classified. If a business is classified as travel or services, it will not earn cashback. For example, a restaurant inside a hotel classified as accommodation will not qualify. Healthcare is excluded, but items bought in a pharmacy usually qualify because most pharmacies are classified as retail. Cashback categories may change occasionally, and updates will be shown on our website. Cashback rewards are credited on your monthly statement. The maximum cashback reward is €12 per month.

What do I need to do to qualify for the €150 cashback?

You need to complete a balance transfer of at least €1,000 within 90 days of opening your account.

When will the €150 be credited to my account?

If you complete a balance transfer of at least €1,000 within 90 days of account opening, we will credit the €150 reward to your account within 6 months of account opening.

Will the €150 reduce my minimum payment due?

No. Your monthly minimum payment will still be calculated based on our Terms and Conditions.

Anything else I should know ?

Yes. You must keep making at least your minimum payment by the date shown on your statement to receive your €150 reward. If your card is suspended, blocked, or cancelled because a balance outstanding has not been paid for more than 60 days, you will not qualify.

No. Rewards are added to your account as a credit, but they cannot be used to pay your bill or cover your minimum payment.

It depends on how you use your credit card. If you have a balance on your current card that you want to transfer, the Avant Money One card might be better because it offers a longer promotional rate for balance transfers. If you think you won’t always pay off your full retail balance each month and may pay retail interest sometimes, then Avant Money Reward+ could be the better option for you.

No. Avant Money credit cards do not have account management or service fees. Government stamp duty: each year, the government charges a tax (stamp duty) on credit cards. This applies to each unique card or account in your name. The amount may change yearly based on the government’s annual budget.

No. There is no option to combine the offers and features of different cards.