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Are you considering the Avant Money One card , but still not sure if it is the right option for your pocket? This guide was created to help you answer all your questions, showing in detail what makes this option a differential in the market.
From the main benefits of the Avant Money One card to the unique features it offers for everyday use, we’ll explore how it can really make a difference to your finances. The goal is simple: to give you the clarity you need to decide if this is the card that really suits your lifestyle.
And if you are thinking of applying, you will also find a practical step-by-step guide on how to apply for the Avant Money One card . By the end, you’ll have a complete analysis in hand, making the decision easier and faster. Ready to get started? Let’s get started!
What makes this card stand out?
Avant Money is new to the Irish market compared to giants such as Bank of Ireland and AIB, but it has been gaining ground by offering leaner and clearer cards.
The One card is focused on those who want zero-interest promotions to reorganize their finances.
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While many traditional cards offer points that take a lifetime to become a reward, the One card bets on the basics well done. Being the right card for those looking for a card for everyday life.
Benefits of Avant Money One card
1. 0% Interest Promotions (Avant Money One card)
The Avant Money One card offers 0% on money transfers to your account for 12 months.
That way, you can send up to 95% of the card limit to your bank account and use this amount to pay off more expensive debts or organize your accounts.
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In addition, there is 0% on balance transfers from other cards for 9 months and 0% on purchases in the first 3 months.
2. Cashback de €150
This is the type of benefit that makes a difference. If you make a balance transfer of at least €1,000 within the first 90 days, Avant Money will credit your account with €150.
Of course, there are conditions. It needs to keep payments up to date and the amount only drops within six months.
Still, those who have already received this cashback often say that it is like finding a fifty bill in the pocket of a forgotten jacket in the closet.
3. True digital management
My Avant Money is designed to centralize your financial life on a single screen.
In addition to tracking spending in real time, you can schedule payments, order additional cards (up to three at no extra cost) and activate contactless purchases.
4. Avantages Program (Avant Money One card)
With it, you have access to more than 300 partner brands, from travel discounts to gastronomic experiences.
It is not a mileage program, but it can yield good savings on everyday purchases.
Avant Money One card Costs and Fees
The Avant Money One card has several initial promotions, but when they end, the standard rate will be 16.8% per year, with a typical APR of 22.9%.
There is no annual fee, which is already a positive point. But if you need to withdraw money, the fee is 1.5% of the amount, with a minimum of €2.50.
It seems little, but in high values it can weigh. For purchases in foreign currency, the exchange commission is 2.65%, and if you are traveling, use specific cards for this purpose.
How to apply for the Avant Money One Card
Check out the 05 steps you need to follow if you want to apply for this credit card.
- Check eligibility online: On the Avant Money website, there is a quick tool that tells you if you are likely to be approved.
- Gather documentation: ID, proof of recent address, and bank statement from the last 30 days are required.
- Submit the request: it can be through the online form or by phone (0818 448 5827). The service is open from Monday to Friday until 8 pm and on Saturdays until 2 pm.
- Wait for the analysis: the institution does a credit check and may ask for extra information by email or phone.
- Receive and activate: Approved? The card arrives in 5 to 7 business days. Activate through the app or website and take the opportunity to sign up for Avantages.
Avant Money One Card Frequently Asked Questions
1. What is the difference between One Card and Reward+?
The One Card is for those who want to reorganize their finances, bringing terms of up to 12 months without interest in money transfers and 9 months in balance transfers.
Reward+, on the other hand, focuses on returning up to 25% of the interest paid in the form of cashback.
That is, if you usually carry a balance, it may be more worthwhile.
2. How do I receive the €150 cashback? (Avant Money One card)
This bonus is only released if you transfer at least €1,000 from another card to the One Card within the first 90 days.
Attention! You will need to keep payments up to date and within your credit limit. Otherwise, you may lose the benefit.
After meeting these requirements, the amount is credited within six months to your account.
3. Are there maintenance or annuity fees?
One Card does not charge maintenance fees or annual fees. You don’t have to worry about paying that monthly or annual fee just for having the card active.
However, there is stamp duty, a mandatory charge from the Irish government, which is currently €30 per account and is levied on all credit cards in the country.
4. What are the fees for late and over-limiting?
If you do not pay at least the minimum amount of the invoice by the due date, you will be charged a fixed fine of €15.24.
This cost may seem small, but added to interest, it soon becomes a headache.
In addition, if you exceed the credit limit, there is a one-time fee of €12.70 per billing cycle.
It is worth remembering that these values are non-negotiable: they are in the card’s rules.
Conclusion (Avant Money One card)
The Avant Money One card is one of the most interesting options for Irish residents looking for a balance between real benefits and controlled costs.
In the end, if you are looking to reorganize your finances, transfer debts, have extra breath and still have access to discounts via Avantages, the One card may be just what you need.
Now, if you’re not sure about being able to pay the full bill after promotions, you may want to consider other options. After all, a card can be an ally or an enemy — it all depends on how you decide to use it.
Another interesting alternative on the market is the Bank of Ireland Aer card, one of the best cards designed for those who travel and want miles, savings on tickets and access to VIP lounges.