An Post Money Credit Cards

Switch your Credit Card

Save on APR, balance transfers & more

Switching to an An Post Money Credit Card means moving your existing balance or choosing a new card to benefit from lower interest rates, simpler repayments, and smarter money management. This page guides you through everything you need to know, from comparing our credit cards and understanding how to switch and key things to understand before you get started.

Switch to An Post Money Credit Cards

save money through balance transfers

Save money

Move your balance to an An Post Credit Card and take advantage of 0% introductory rates. Ideal if you want to reduce interest or combine existing credit card debt.

quick to switch your credit cards with an post money

Quick to switch

Apply online in minutes and start using your new card as soon as it’s activated. Switching your credit card in Ireland has never been faster or easier.

smart control using credit card app

Smart control

Enjoy a smoother experience with the Credit Card app, giving you full visibility of spending, repayments and balance transfers - all in one place.

Compare our Credit Cards

Credit CardKey benefitIntro rateIdeal for
Classic Credit Card0% on balance transfers0% for 12 monthsAnyone switching credit card debt from another provider
Flex Credit Card0% on purchases0% for 9 monthsEveryday spending and spreading the cost of big purchases

Steps to switch to Credit Cards

  1. Check your Credit status
  2. Choose from Classic Card and Flex Card and apply online with ID, address, and income details
  3. Activate your new Card once approved, simply activate it through our credit card app
  4. Transfer your existing balance move debt from another bank to benefit from introductory 0% periods — ideal for those looking to switch credit card debt or wondering how to switch credit card to 0 interest.
  5. Decide what to do with your old card either keep it open for credit history or close it to simplify your finances.

Your Credit Card app is here!

  • View your balance and transactions details
  • Approve online purchases
  • Get alerts for activities on your card
  • Freeze/unfreeze your card instantly
  • Make a payment to your account with a debit card
  • Set up Apple Pay or Google Pay
Credit Card App

Switch your Credit Card today

Apply online or call our dedicated team on 01 9456714 (8am-8pm Monday to Friday, and 8am-2pm Saturday excluding Bank Holidays).

Check Classic Card eligibility Check Flex Card eligibility

Things to know

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.

*Information correct as of 16th January 2026, source CCPC.ie. Lending criteria, terms and conditions apply. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rates. Classic Credit Card balance transfer offer is valid for transfer 90 days from opening account. Standard variable rate of 16.8% nominal, 22.9% Annual Percentage Rate (APR) will apply once the introductory period ends. Representative example: 22.9% APR assumes €1,500 credit limit drawn down in one transaction and repaid over 12 months in equal monthly instalments, and Government stamp duty of €30. Total amount repayable €1,666.50, cost of credit is €166.50.
**Money Transfers are available to the main cardholder only and subject to credit approval. You can transfer from €100 up to 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%).

The An Post Money Classic and Flex Credit Cards are issued by Bankinter S.A. pursuant to license by Mastercard International Incorporated.
An Post acts as a credit intermediary on behalf of Bankinter S.A., who provide loan and credit card services and facilities. An Post trading as An Post Money is authorised as a credit intermediary by the CCPC.
Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for conduct of business rules.