Get Ireland's best credit card with Flex*

There are no set-up fees with our credit cards. In certain situations, for example missed payments, fees and penalties may apply.

A Government stamp duty fee of €30 will be applied to your credit card annually. 

The quickest and easiest way to set up or amend your direct debit is by using our Credit card online direct debit mandate provided by our third-party partner, DocuSign.
 
DocuSign is a company that provides corporations and individuals with electronic services in document management. It allows people to put their digital signatures on documents, such as contracts and agreements, using its secure technology. Entities that use DocuSign's services can authenticate entities, individuals, documents, and workflow, along with user identity management electronically. For more information, please read Privacy Notice | DocuSign.

Once you have completed the form you will receive a confirmation email with the document attached. Please note the following:

• It can take some time for your new direct debit to be active and ready to take payments from your bank account. In the meantime, you may need to make an additional payment if your direct debit isn’t set up in time for your payment due date. You can use your debit card to make it, by calling us on 0818 205 410. 
• If you have multiple credit card accounts with us, you must fill in a direct debit mandate for each account.
• Direct debits cannot be set up from a savings account. 
• If you are setting up the 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 parties sign the mandate, and return it to us by post. 
• If you do not wish to fill the form out electronically, you can download the credit card printable direct debit mandate, print it, sign it and post it back to us.
• You cannot set up a fixed direct debit, you must set up to pay either the full monthly balance or the minimum monthly balance that is due.

Once you’ve applied for a credit card, we will evaluate your ability to repay and your financial status. We will then recommend a credit limit based on your individual situation.

A money transfer lets you move money directly from your credit card to your personal bank account. To arrange a money transfer, call us on 071 959 4164. If you transfer before 2.30pm on a weekday, the funds will be credited to your account in one business day. Transfers completed after 2.30pm or on weekends and bank holidays will take two business days.

Money Transfers are available to the main cardholder only and subject to credit approval. You can transfer from €100 up tp 95% of your credit limit.
The interest rate for Money Transfers on the Classic Credit Card is the same as the standard variable rate on your card (16.8%).
When the Money Transfer offer ends on the Flex Credit Card any outstanding amount will be charged interest at your standard variable rate (16.8%).

You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates.

Credit card fees and charges:

Interest calculation and charges 

Interest is charged on all transactions, handling fees and default charges starting on the date that they are posted or applied to your account and ending on the date that you pay the total account balance in full. 

You will not be charged interest on the card purchases shown on your current statement, if you pay off the total account balance shown on that current statement by the payment due date shown on that statement, provided you have also paid off the total account balance shown on the previous month’s statement by the payment due date shown on that statement. 

We calculate interest each day so the earlier you make the payment, the less interest you will have to pay. Other transactions such as cash withdrawals and gambling will accrue interest daily. Interest will appear as a “finance charge” on your statement.

Default fees and charges

Fee type	When applied	Amount
Cash-transaction handling fee	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.	1.50% (there is a minimum charge of €2.50)
Foreign-currency fee	Commission on transactions made outside the Eurozone.	2.65% of the value of the transaction
Late fee	Charged if your minimum payment isn’t received by the payment due date, as per your statement. Missing your payments could have severe consequences for you and make obtaining credit more difficult.	€15.24
Over-limit fee	Charged once per month if your balance goes over your credit limit at any time during that statement period.	€12.70
Processing fee	Charged for all payments made over the counter at the An Post post office.	€1.09
Other Charges
Government stamp duty	Stamp duty is charged annually by the Government on applicable Irish credit card accounts. This charge is applicable to each unique card/account you have in your own name.  This stamp duty may change on a yearly basis depending on the annual budget.  The stamp duty is charged on the 1st of January, in arrears for the previous year.  If you require any further information on the Government Stamp Duty, all relevant legislation can be located on the www.revenue.ie website.	€30.00