An Instalment Plan is a new fast and flexible way to access credit, giving you more control and convenience. It lets you spread the repayment of purchases of €250 or more over 12 months at a lower interest rate.

With the Flex credit card, you will have an option to put your purchases on an Instalment Plan whenever you see the Mastercard ‘Instalments’ symbol – both in-store or at an e-commerce checkout.

An Instalment Plan allows you to see and agree to the total cost at the checkout, taking control with a simple monthly repayment, all in seconds.

• Step 1: Look for the Mastercard ‘Instalments’ symbol at the point of purchase.
• Step 2: Pay for your purchase using your Flex credit card. The purchase must be for €250 value or more and may consist of many items within the same transaction.
• Step 3:  Choose the Instalment Plan option when presented.

We will send you an email to let you know when an Instalment Plan has been set up on your account, showing the plan details.

Instalment Plans are fast and flexible, allowing you to make a larger purchase and spread the cost over twelve months, using your available credit limit at a very competitive rate.
           
You can choose the Instalment Plan option when presented at the checkout, either online or in store - whenever you see the Mastercard ‘Instalments’ symbol.
 
Instalment Plan payments will be included in your monthly credit card statement and will be available to view in your online account.

Yes. Any cardholder can choose to pay by instalments.  We will email the main account holder confirming the details each time a new Instalment Plan is set up.

No. Instalment Plans are only available from shops, merchants and online stores when you see the Mastercard Instalments Plan logo and when you are offered the option to ‘Pay in Instalments’ at the checkout.
 
Purchases must be for €250 or more in a single transaction, so if you are buying several items at the same time that have a total value of €250 or more, this transaction is eligible to be put on an Instalment Plan.
 
Instalment Plans are only available at the time of purchase; you cannot put a transaction onto an Instalment Plan if you do not select this option when paying for your goods.
Not all purchases are eligible for Instalment Plans; for example, gambling, crypto currencies and fines do not qualify. Please refer to the eligible purchases section in your terms and conditions for more details.

The interest rate and total amount due, including interest, will be displayed on the payment terminal when you are making a purchase and choose to put it on an Instalment Plan.
 
The interest rate is fixed for the duration of the Instalment Plan however, the rate for future Instalment Plans may be different.  Interest on an Instalment Plan accrues on a daily basis from the date of the transaction until the date the final payment is made.  There is no interest free period applicable to Instalment.

If you do not pay the Total Payment Due Including Instalment(s) amount by your Payment Due Date, your Instalment Plan(s) will be cancelled.
 
You can check your Total Payment Due Including Instalment(s) amount on your account statement.
 
Upon cancellation, the outstanding balance will revert to your standard interest rate for purchases which is higher than the Instalment Plan rate.  Interest will then accrue in the usual way until the total amount is paid off.
 

WARNING: Once an Instalment Plan is ended it cannot be reinstated.

No. Instalment Plans are only available at the time of purchase.

If this happens, please contact us to let us know, otherwise, the refund will be credited to your retail balance, the Instalment Plan will remain in place and your payments on it will be due in the usual way.

Yes, you can cancel an Instalment Plan; simply call us on 0818 205 410 Monday to Friday 8am to 8pm and Saturday 8am to 2pm and we will cancel the Instalment Plan for you.  Once an Instalment Plan is cancelled, the outstanding balance will revert to your retail balance, which has a higher interest rate.

Yes, you can pay off an Instalment Plan early; simply call us on 0818 205 410 and one of our team will cancel the Instalment Plan and discuss your payment options.

There is no limit on the number of Instalment Plans you can take out, providing you have enough credit available on your Flex credit card.

You will find the details of each Instalment Plan on your monthly credit card statement and in your online account.

To apply for a credit card, you must be over 18 and a resident of the Republic of Ireland.

We will need proof of identity, address and income to process your credit card application.

Proof of identity

You must send one piece of photographic evidence that is up-to-date. We accept any of the following:

• Passport – please make sure that when you take a photo of your passport, pages three and four are both clearly visible
• Driving licence – you can use either the old paper licence or new card format but please make sure your name, photo and the expiry date are clearly visible
• Immigration or Garda age card - please make sure that the photo you take of your card clearly shows your name, photo and expiry date

Proof of address

We will need one of the following documents, dated within the last three months:

• Utility bill
• Any bank correspndence displaying the customer's bank account number
• Any revenue correspondance 
• Any social welfare correspondance displaying the customer's PPS number
• Any insurance correspondance displaying the customer's policy number (including; home, life, car, health)
• Littlewoods correspondance displaying the customer's account number
• Road Safety Authority / National Driving Licence Service / correspondance such as NCT - National Car Test Report
• Any correspondance issued from or on behalf of a government body or local county council 

When taking a photo of your proof of address, we need to see the full page clearly. Please ensure the image is not blurry so we can verify your address.

Proof of income

To verify your income we need to see your most recent personal bank statements for the account that your income is paid into. These should show your name and address. Bank statements can be downloaded as a PDF from all bank websites, on all devices.

If you are self employed, you can use your tax assessment forms for the last two years. These documents, which must include tax returns and Revenue acceptance forms, can be obtained from your accountant or from Revenue.

If your income is not paid into your account, you can use a photo or PDF of a payslip, social welfare receipt, your most recent pension statement or tax certificate.

The application process is an online one and documents can only be uploaded through our Document Centre. Please don't post your documents but check out our guide to uploading them online.

We don’t accept joint applications at this time but you can include income from another household member in your application, with their consent. If you do this, we will require their personal documents as well.