Credit Card

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. 

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

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.

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 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
 

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.

The interest rates that apply to your credit card will be detailed on your monthly statement.

You need to include information about all rents and mortgages that you currently have.

To see the information on your credit report you can request a copy at www.centralcreditregister.ie

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.

The Central Credit Register (CCR) is a secure system for collecting information on credit applications and credit agreements of €500 or more.

It is owned and operated by the Central Bank of Ireland. We share your information with the CCR, which uses it to create individual credit reports.

The Central Bank owns the information held on the CCR and is the data controller under the Data Protection Acts. You have a right to request your credit report, free of charge, at any time and subject to fair usage.

Find out more about what the CCR means to your credit card application.

You can add up to three additional family members to your credit card account for free and they will each receive their own card.

3D Secure is an additional security measure but not all websites use it. However, your transactions are always protected against fraudulent use through the Mastercard chargeback scheme.

Also known as Mastercard Identity Check™, 3D Secure is a free and automatic online security service. It gives you an extra level of security and helps to guard your credit card against unauthorised use online.

When you make a purchase in a shop using your credit card, you're asked to enter a PIN number to validate the transaction. 3D Secure allows you to validate transactions you make over the internet in a similar way.

Depending on the nature of the transaction, you may occasionally receive a text message to your mobile phone with a one-time passcode. You will have to enter that passcode to complete your payment online.

A mobile phone is required to receive a text message with your one-time passcode. You can check your account has the right mobile number in the Settings menu of your online account.

Find out more about 3D Secure Terms of Use.

We provide both online and phone support so you can access your account information at any time. You can do the following online:

• Activate your new card

• Check your balance and transactions

• View and print up to three years of monthly statements

• Request a replacement card or a copy of your PIN

• Make debit card payments

• Add a travel notice to your account when you are going abroad

• Update personal information

If you’d rather give us a call, you can use our 24/7 automated telephone banking service on 0818 205 410. Alternatively, you can speak to a member of our team between 8am and 8pm Monday to Friday and 8am to 2pm on Saturdays, excluding bank holidays.

To activate your card, simply go to our online banking service and select the 'Not registered yet?' link. Then you will need:

• your credit card or account number

• your credit limit details

• the personal information you gave us when you applied for the card

Once you are registered for online banking, your card will be activated and ready to use.

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

Yes, to access your online account and for best performance, JavaScript must be switched on.

JavaScript is a programming language used to make web pages interactive. If it is disabled, the content or the functionality of a web page you visit may be limited or unavailable.

Most web browsers now support JavaScript. If yours doesn't, please upgrade to the latest version of your browser or download a new one.

You will need the following information to register online:

• Your credit card or account details
• The credit limit on your account  - 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, and create a username and password. Once you start the registration process, you will be prompted to enter all the information you need to access your account.         

If you have already registered with an existing account you do not need to register again. Just log in to your account and add your second account to the same profile by either going to the account section or going to the Settings menu.

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

It’s easy to reset your login details if you forget them. Just click the 'Forgotten your login details' 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.

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.
 

To verify an online payment, simply tap on the Push notification you receive from us and follow the prompts on the An Post Money Mobile App. If you don’t have push notifications enabled on your device, just open An Post Money App and follow the prompts on the App to approve your payment. 
 
Online payments that require your approval can be verified by presenting your Fingerprint or Face ID or by entering the 4-digit Passcode you created when registering your mobile phone to use the An Post Money app.  
 

There is an option to resend the one-time passcode. Before resending please check that the last 4 digits of your mobile number are displayed in the notification. If they are incorrect, please call our Customer Services team to have them updated.

If your number appears to be correct but you are still not receiving the passcode you may need to check with your mobile network operator in order to confirm that your mobile phone is able to receive automated SMS messages.

You will have 5 attempts to resend before the resend link is disabled. In this event please contact us on 0818-205-410 to have it reactivated.

Please contact our Customer Services team on 0818-205-410. They are available from 8am to 8pm Monday to Friday, and 8am to 2pm on Saturdays, excluding Bank Holidays

You can reset your passcode by tapping on the Forgot Passcode link on the Passcode login screen.
 

A one-time passcode is a random number that An Post Money will send to you in real time via a SMS text message to your mobile device. One-time passcodes help make your online banking and transactions more secure.
 

SCA increases security for electronic payments and accessing your online account through the introduction of two factor authentication protocols.
 
This is a security process in which you may be asked to verify your identity in several different ways. 
 
If you have downloaded the An Post Money mobile app and registered your mobile phone, you’ll approve with your Fingerprint or Face ID, or your 4-digit Passcode. 
 
Alternatively, if you don’t have the App you can continue to use a one-time passcode (OTP) by SMS and knowledge-based questions.
 

You will be asked to enter a one-time passcode on some occasions when accessing your My An Post Money account or making online transactions.

If you have not logged into your online account within the past 90 days, you will be asked for a one-time passcode.

Please note, An Post 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.  

There are no fees or charges for using Apple Pay.
However cross border handling fees apply to non-Euro Apple Pay transactions, in the same way as they do to any non-Euro credit card transaction.

For more information on Cross border handling fees please refer to the back of your credit card statements.

Mobile network provider charges may apply depending on your data plan.

Apple Pay enables contactless transactions on your Apple device instead of your physical card.
 
While contactless payments on your physical credit card are subject to a €50 threshold per transaction, Apple Pay will allow transactions over €50*, provided the available balance or credit limit exists. You also need to authorise every transaction with Face ID, Touch ID, or your passcode.
* Apple Pay transactions above €50 may not be supported on some retailer terminals.
 

Mobile data or Wi-Fi connection is not required for making transactions using Apple Pay. You will need a mobile data or Wi-Fi to set up a card on the Wallet and to receive transaction notifications.

You will be able to view your transactions through the An Post Money Credit Card app or in An Post Money Credit Card Online Banking. Alternatively, when you open the card in the Wallet, you see your latest transactions. Within the transactions tab you will see your last ten transactions completed through the mobile wallet. Transaction history is not available on the Apple Watch.

From Wallet

1. Go to pass details
2. Tap ‘Info’ tab
3. Tap ‘Remove Card’

From Settings

1. Open Settings
2. Tap ‘Wallet & Apple Pay’
3. Tap card to be removed
4. Tap ‘Remove Card’

From ‘Find my iPhone’ through iCloud

1. Go to ‘Find my iPhone’
2. Select the device under ‘My Devices’
3. Select ‘Remove’ on the card that you wish to remove

From iCloud

1. Open Settings
2. Select ‘My Devices’
3. Select the device under ‘My Devices’
4. Select ‘Remove’ on the card that you wish to remove.

• Open the Apple Watch app on your iPhone.
• Tap “Wallet & Apple Pay” and select “Add Credit or Debit Card.”
• Enter your An Post Money Credit Card details.
• Follow the on screen instructions.

Using the An Post Money Credit Card App
Simply log in to the An Post Money Credit Card App:

• Select the ‘cards’ tab at the bottom of the screen
• Add to Apple Pay by tapping the ‘Add to Apple Wallet’ button, and follow the onscreen instructions
• Then you’re ready to use Apple Pay wherever you see the Apple Pay or Contactless Logo.

Don’t have the An Post Money Credit Card App? Download here
or
Using the Wallet App

• Open the Wallet app
• Tap the “+” sign in the upper-right corner
• Enter your An Post Money Credit Card details
• Follow the on screen instructions.

Pay with iPhone with Touch ID

• Hold the Touch ID and hold your iPhone near contactless reader until you see Done and a checkmark

Pay with iPhone with Face ID

• double-click the side button, glance at iPhone to authenticate with Face ID or enter your passcode.
• Hold the top of 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 within apps

• With your iPhone, iPad, and Mac, you can use Apple Pay to pay within apps when you see the Apple Pay symbol
• Tap the “Buy with Apple Pay” or “Apple Pay” button or choose Apple Pay as your payment method.
• Follow the on-screen instructions.
• Confirm the payment. When your payment is successful, you'll see Done and a checkmark on the screen.

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.

Once reported to An Post Money as lost or stolen, your card details will be automatically updated, and you can continue to use Apple Pay on your device whilst your new card is sent to you.

Yes, Apple Pay uses the security features built into your Apple device to help keep your purchases private and secure.
 
All transactions require Face ID, Touch ID or your passcode on your iPhone, iPad or Mac, and a double click on your Apple Watch. These features are designed so only you can make purchases with Apple Pay.
 
Your actual card number is never stored on your device or Apple servers. An when you pay, your card number is never shared by Apple with merchants, keeping these details hidden and offering an additional level or protection against fraud.

If you replace or upgrade your device, you will need to add your card(s) to Apple Pay again.
 
Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily provide your device to someone else; for example, if you need it repaired.
You can remove a card from Apple Pay at any time. Tap on the credit card you’d like to delete and then tap on ‘Remove Card’

A digital wallet simply holds digital versions of your credit cards on your smart device, such as a smartphone or tablet. As with contactless card payments, you can make purchases 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.

If your device is lost or stolen, please contact us immediately on 1800 800 780 or from abroad: 00 353 7195 94094. 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 phone if it is lost or stolen.

In store

• You can use Apple Pay anywhere that accepts contactless payments. You can make payments for any amount with Apple Pay, though some retailers may not support Apple Pay transactions above €50.
• Look for either of these symbols at checkout.

In-app

• Most apps now accept Apple Pay, so you don’t have to enter your card details to make in-app purchases. Simply select Apple Pay at the checkout.

Online

• Apple Pay is also available online. Whether you’re shopping on your iPhone, iPad, or Mac, use Apple Pay without having to create an account or log in.

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

There could be a number of reasons for this:

• There may be insufficient funds or credit limit available to make the transaction
• The payment is over €50. Some retailers may not support Apple Pay transactions above €50 on their terminals.
• The retailer does not accept contactless payments. Not all retailers accept contactless payments yet. Please use another payment method such as your credit card with Chip and PIN authorisation.
• If you do any of the following on your device, all cards in the Wallet will be deleted:
  1. Sign out of iCloud
  2. Remove Passcode/Touch ID/Face ID
  3. iTunes Full Restore
  4. Erase All Content & Settings

To ensure the security of your card, we send a one-time passcode by text message to your registered number. You will verify your identity by entering this code in the appropriate field. This is a security code and should not be shared. An Post Money staff will never ask you for this code.

You may require mobile data or Wi-Fi connection to make Google Pay transactions in-store. You will need mobile data or Wi-Fi connection to add a card to Google Pay, to replenish security settings and after a device restart. You will need mobile data or Wi-Fi connection to receive the transaction notification.

You will be able to view your transactions through the An Post Money Credit Card app or in An Post Money Credit Card Online Banking. Alternatively, when you open the card in the Google Pay Wallet, you see your latest transaction. Within the transactions tab you will see your last ten transactions completed through the mobile wallet.

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’.

1. An Post Money Credit Card App

• Simply log in to the An Post Money Credit Card App:
• Select the ‘Cards’ tab at the bottom of the screen
• Add to Google Pay by tapping the ‘Add to Wallet’ button and follow the onscreen instructions
• Then you’re ready to use Google Pay wherever you see Google Pay or Contactless logo

Don’t have the An Post Money Credit Card App? Download here
 

2. Google Pay App

• Open the Google Pay app.  If you have multiple accounts in Google Pay, at the top left, tap Menu, then the down arrow. Then, tap the account you want to use to add a debit or credit card.
• At the bottom, tap Payment.
• At the bottom, tap Add then credit or debit card.
• Use the camera to capture your card info or enter it manually.
• If you’re asked to verify your payment method, choose an option from the list.
• Find and enter the verification code.

 

3. Google Pay – web

• Sign in to Payment methods.
• At the bottom, click Add payment method.
• Click Add credit or debit card.
• Enter your card info.
• If you’re asked to verify your payment method, choose an option from the list.
• Find and enter the verification 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.

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

Yes. When you shop at a retailer, 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.

In-Store & In-App:
No An Post Money credit card transaction fees apply. Cross border handling fees apply to non-Euro Google Pay transactions, in the same way as they do to any non-Euro credit card transaction.

• For more information on Cross border handling fees please refer to the back of your credit card statements.

Mobile network provider charges may apply depending on your data plan.

If you replace or upgrade your device, you will need to add your card(s) to Google Pay again.
Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily pass your device to someone else; for example, if you pass it to be repaired.
You can remove a card from Google Pay at any time. Select the card within the Google Pay app, and tap ‘Remove card'. You can also go to Android Device Manager to remotely erase all the data in the device, including your card(s).

There could be a number of reasons for this:

1. There may be insufficient funds or credit limit available to make the transaction
2. The payment is over €50 - Some retailers may not support Google Pay transactions above €50 on their terminals.
3. The retailer does not accept Contactless payments - Not all retailers accept contactless payments yet. Please use another payment method such as your An Post Money Credit Card with Chip and PIN authorisation.
4. You haven’t established a data network or Wi-Fi connection for a while - Mobile data or Wi-Fi connection is required after 30 transactions to replenish security settings and after a device restart.
5. Your phone is not Near Field Communication (NFC) -capable, or the NFC function is turned off - NFC is the chip on your phone that allows contactless communication with the point of sale.

If your device is lost or stolen, please contact us immediately on Emergencies / Lost or Stolen Cards Freephone: 1800 800 780 or from abroad: 00 353 7195 94094. 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.

In store
Pay with Google Pay using your Android phone or smartwatch anywhere that accepts contactless payments. Just look for the Contactless or Google Pay symbol. You can make payments for any amount with Google Pay, although some retailers may not support Google Pay transactions above €50.
 
In-App
You can also pay with Google Pay when you shop online and in apps.

• Just select the Buy with Google Pay button at checkout within participating apps.

For more information on Google Pay, please visit the Google Pay website here.

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

To ensure the security of your card, we send a one-time passcode by text message to your registered number. You will verify your identity by entering this code in the appropriate field. This is a security code and should not be shared. An Post Money staff will never ask you for this code

We cannot cancel a transaction after it has been made. You will need to contact the retailer directly to cancel the transaction or request a refund.

If you want to cancel a subscription paid for by credit card, or a regular payment such as an insurance premium, you must notify the merchant directly.

If you are unable to resolve your query directly with them, you can call us for assistance. We are available on 0818 205 410 from 8am to 8pm on Monday to Friday and 8am to 2pm on Saturday, excluding bank holidays.

If your credit card is used without your knowledge or consent, or goes missing, please call our 24-hour freephone number 1800 800 780 or 353 71 959 4094 if you are abroad.

We will block your card immediately, investigate any unrecognised transactions and assist you in obtaining a refund through the Mastercard chargeback process if possible.

You can transfer the balance on other credit cards to your An Post Money Credit Card so you have just one monthly payment at a great promotional rate of 0% for 12 months.

The 0% rate applies to new customers only. You must complete the balance transfer within 90 days of opening your account to avail of the promotional rate. 

You will also need to make your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rate. Once it expires, the standard variable rate applicable to your account will apply.

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. The promotional rate expiry will be two days less than twelve months if you request a transfer after 2.30pm on a Friday. 

Please note that transfers are available to the main cardholder only and the account must be up to date and not restricted. You can find out more by calling us on 071 959 4164.

You should first contact the merchant or the company’s administrator, if possible by telephone, or visit their web site for up-to-date information.  

If you are unable to resolve your query directly with them, contact us on 0818 205 410. We are available from 8am to 8pm on Monday to Friday and 8am to 2pm on Saturday, excluding bank holidays.

You can find out more details about the transaction online by selecting the + sign beside the transaction. This will give you the date of the transaction, the card used and the merchant type. 

Some companies may charge under a different name, like their parent company, so you could try searching the internet to identify a merchant and find their telephone number so you can contact them.

If the transaction remains unfamiliar, please check if any additional cardholders on your account carried it out.

If you still don’t recognise it, contact us on 0818 205 410 between 8am and 8pm on Monday to Friday and 8am to 2pm on Saturday, excluding bank holidays. Please try to notify us within 30 days of the statement date so we can help you obtain a refund.

You should first contact the merchant by email or telephone. 

If you are unable to resolve your query directly with them, contact us on 0818 205 410 and we will help you get a refund through the Mastercard chargeback process. We are available from 8am to 8pm on Monday to Friday and 8am to 2pm on Saturday, excluding bank holidays.

Also known as Mastercard Identity Check™, 3D Secure is a free and automatic online security service. It gives you an extra level of security and helps to guard your credit card against unauthorised use online.

When you make a purchase in a shop using your credit card, you're asked to enter a PIN number to validate the transaction. 3D Secure allows you to validate transactions you make over the internet in a similar way.

Depending on the nature of the transaction, you may occasionally receive a text message to your mobile phone with a one-time passcode. You will have to enter that passcode to complete your payment online.

A mobile phone is required to receive a text message with your one-time passcode. You can check your account has the right mobile number in the Settings menu of your online account.

Find out more about 3D Secure Terms of Use.

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

The following fees and charges may apply to your credit card:

Late fee: €15.24 each time your minimum payment has not reached your account in cleared funds by the date that payment is due.

Over-limit fee: €12.70 will be charged and applied once on any monthly statement if, and when, you are over your credit limit at any time during that statement period.

Cash handling fee: 1.5% with a minimum charge of €2.50 and no maximum is applied to your account when you make cash transactions.

A cash transaction is considered to be any transaction resulting in the provision of cash or a cash substitute from your account by using a card or card number issued under your account, including foreign currency, travellers’ cheques, postal orders, gambling transactions and any electronic transfers of cash which are not money transfers.

When your An Post Money Credit Card is used in a non-euro currency within the EEA, you will sometimes receive a notification by way of SMS/Email which will inform you of the total mark-up applied to that transaction. You can opt out of receiving these notifications by contacting us on 0818 205 410.
 
Check the total percentage mark-up applied to foreign exchange transactions within the European Economic Area (EEA). 

Government stamp duty: Each year the government charges a tax on all cards issued by financial institutions. This charge is applicable to each unique card or account held in your name.

Payments at the post office: A processing fee of €0.56 will apply.

Retail 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 retail interest each day so the earlier you make the payment, the less retail 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.

The minimum payment is what you must pay by the due date shown on your statement each month. If your statement balance is €25 or less, it will be the total amount of the balance shown.

If your balance is more than €25, your minimum payment will be €25 or 1% of your statement balance, whichever is greater.

The minimum payment is calculated with reference to your balance before any default charges, processing fees, foreign currency fees and interest. We will add these fees to the minimum payment afterwards.

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 online banking account in your Settings menu. 

Occasionally when you are using a business email account, the firewall may be blocking delivery of the email. Check your junk or spam inbox and if the email is located there, then add the email to your safe list. 

If the problem persists, call us on 0818 205 410 and we’ll help to sort this out for you.

We use eStatements but you can request paper statements if that's better for you. We'll email you monthly to let you know when your eStatement is ready to view in your online account. We post paper statements every month.

To change the way you receive statements, go to Settings in your online account and choose Delivery method.

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 us on 0818 205 410.

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 can make payments online by debit card for any amount, at any time in the Payments menu. 

Payments made before 4pm will be credited to your account within one business day. For payments made after 4pm, it will take a further day. Business days exclude weekends and bank holidays.

You will find the minimum payment you need to make and the date it is due on your statement or online. You can pay from your current account, via the post office or directly to us.

Payments from your current account

To pay online, by telephone banking or standing order via your bank account provider you will need the following details:

• Our BIC: CITIIE2X
• Our IBAN: IE90CITI99005117683012
• Your 16-digit credit card account number, beginning with 245

Your credit card account number 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. You should allow five business days for the payment to reach your account.

You can also set up a direct debit to make your monthly payment. Please see question below on ‘How do I set up or amend a direct debit?'

Payments via the post office

You should bring your credit card, or the giro slip at the bottom of your statement, to the post office where you can pay by cash or debit card.
There is a processing fee of €0.56 for such payments. You should allow three business days for the payment to reach your account.

Direct payments

You can make debit card payments any time on your online banking account. Payments made before 4pm on business days will be credited to your credit card account the next business day. Business days exclude weekends and bank holidays. Payments made after 4pm, on weekends or on bank holidays will be credited to your account in two business days.

You can also pay with your Visa or Mastercard debit card over the phone at any time by calling us on 0818 205 410 and selecting the 'Make a payment' option from the menu.

Please note that payments made over the phone are limited to 1 payment per day (maximum payment of €500) up to a maximum of 3 payments in a 30-day period. Customers can make unlimited payments, up to €10,000 per day per account, through online banking and unlimited payments, with unlimited value, using bank transfer and at the post office (subject to any limits on your personal bank account).
 

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.

BillPay, our bill payment service, lets you pay your credit card bill at your local post office. You'll get a detailed receipt each time you pay a bill. Hold onto this to keep track of your payments. You can either: 

• Pay at your local post office for a fee of €0.56
• Pay any time online at www.mybills.ie, free of charge

There are different timescales depending on what payment method you use:

• Payments made directly from your bank account via your bank's online banking, telephone banking or standing order will take five business days
• Payments made via the post office will take three business days
• Payments made directly to us through your credit card online banking account or over the phone before 4pm on business days will be credited to your credit card account the next business day
• Payments made after 4pm or on weekends and bank holidays will be credited to your account in two business days

A late payment fee will be charged to your account if 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 online.  

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 quick payment method. 

Your Direct Debit payment will show up on your Credit Card account on your payment due date, or if the payment is due on a Sunday or Bank holiday it will show up on the previous business day and will be deducted from your bank account on either the same, or next business day. To find out when your next payment will be deducted from your bank, please refer to your latest online credit card statement.
To change your payment date to one that suits you better, you can call us on 0818 205 410.

You can call us on 0818 211 555 to discuss the options available to you or contact MABS, the Money Advice and Budgeting Service, for help.

To get a better understanding of your financial situation, you can also:

• Use the free budget planner on the It’s Your Money website to review your finances
• Check if you have insurance, such as payment protection insurance, and if you can make a claim
• Print, complete and return our Income and Expenditure form to PO Box 25, Dublin Road, Carrick-on-Shannon, Co. Leitrim

Your direct debit payment will be credited to your credit card account on your payment due date. If this falls on a Sunday or bank holiday, it will be credited the previous business day and will be debited from your bank account on either the same or the next business day.

To find out when your next payment will be debited from your bank, please refer to your latest credit card statement online. 

Direct debit payments will appear on your bank account statement with the name, ‘Avantcard’.

If you have any additional payments or credits posted on your account at the time we send the instruction to your bank -- normally seven working days in advance -- we will reduce your direct debit amount to prevent the direct debit plus those credits from collecting more than the balance as shown on your latest statement.

Yes, you can change your PIN to one that you will be able to recall easily at any Ulster Bank, AIB or Bank of Ireland ATM.
It is best to avoid numbers that would be easy to guess such as your date of birth or a common sequence like 9999

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 or by calling us on 0818 205 410 between 8am to 8pm Monday to Friday and 8am and 2pm on Saturdays, excluding bank holidays.

If your card has been locked at point of sale you will need to contact us to unlock it for you. Call us on 0818 205 410 between 8am to 8pm from Monday to Friday and 8am and 2pm on Saturdays, excluding bank holidays.

You can order a replacement card online under the Services menu. If your card has been lost or stolen, or the name on the card has changed, please call us on 0818 205 410 as we will need to order a new card for you.

Call the freephone number 1800 800 780, or 353 71 959 4094 if you are abroad. You can contact us 24 hours a day, seven days a week.

Once ordered, a replacement card will take five to seven working days to arrive.

A foreign currency fee of 2.65% applies on all transactions outside the euro zone. This fee will be displayed on your monthly statement. Check the total percentage mark-up applied to foreign exchange transactions within the European Economic Area (EEA). 


A cash handling fee of 1.5%, with a minimum charge of €2.50 and no maximum, is applied to your account when you make a cash transaction.

You can use your credit card in almost every country around the world to shop and withdraw cash at local ATMs.

It is useful for us to know in advance that you are going to be abroad so we can expect some international transactions. You can let us know by adding a travel notice to your card online or by calling us on 0818 205 410.

Here are some other travel tips to protect your credit card:

• Ensure that you have our overseas number -- +353 71 959 4094  --written down and saved on your mobile phone
• Keep a copy of all important phone numbers in your hotel room
• Be careful with your PIN and never give it to anyone for any reason while you're away
• Be aware of your surroundings when using an ATM, choose one in a busy location and always shield your PIN
• Double check the amount you are paying at the retailer’s terminal before entering your PIN
• Keep your cards with you rather than packing them in your suitcase and don’t leave them unattended
• Always ask for a receipt

If your credit card is lost or stolen while you’re abroad, we're here to help.  

Phishing is a type of fraud which involves sending emails purporting to come from your bank, credit card provider, utility company or other entity such as government departments. 

The email asks 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.  

Such emails 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 emails or going to the website address on the email and entering your information, you are giving the fraudsters the information they need to use your credit card to make transactions which may then appear on your monthly statement. 

We will always do everything in our power to help you if there are transactions on your account that are not yours but you can also take measures to protect your credit card.

Although 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 such as www.an-post.com or www.anpast.com.

You can also check for hidden addresses by resting your cursor over a link in an email but don't click on it. 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.

Skimming is the theft of credit card information used in a legitimate transaction. 

The fraudster uses a small electronic device or skimmer to swipe and store credit card numbers. Instances of skimming have been reported where the fraudster has illicitly installed a device or group of devices on an ATM. 

Recently-made ATMs often run a picture of what the slot and keypad are supposed to look like as a background so you can identify if any foreign devices are attached.

Fraudsters don't only strike online and vishing is the telephone equivalent of phishing. There has been an increase in such hoax phone calls with callers claiming to be employees of banks or 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. 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.

A common phone scam involves a caller claiming 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 two 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 them to obtain your personal details.
• They may ask for your credit card details for a payment to “fix” your computer, allowing them to take a payment directly from your card or use your details to order large cash payments via payment channels like Western Union

If you are experiencing difficulties, call us on 0818 205 410 and we can go through a quote with you over the phone or make any changes and amendments you require to your application form.

No. We only send the OTP via text message.

Yes, all cardholders will need to register for their own online banking account and complete the questions and answers separately.

You will only ever have to answer one question along with using the One Time Passcode (OTP) you will receive by text message.

Yes, you will need to register your credit card online so that you can select your security questions. You can do this by selecting the ‘LOGIN’ button on our website.

Not immediately; however, if you decide to shop online in the future, you will need to:

• Log into your credit card online account, or complete registration if required
• Update your contact details in the Settings menu
• Complete the five security questions

If you do not have a mobile phone you will not be able to receive an OTP and, as such, may not be able to complete your online transactions.

You will not be able to complete certain transactions where that detail is requested.

The transaction will not be approved and you will have to try again.  

You can log into your online account any time to view and change your security questions.

You may begin to see this happening from December onwards.

If you have a complaint, we want to hear from you. Please call us on 0818 205 410 or write to us at Customer Advocate Manager, PO Box 25, Carrick-on-Shannon, Co. Leitrim 

If you have a dispute in relation to a particular credit card purchase you should contact the company in question in the first instance as they may be happy to resolve the issue for you. If you have tried this and you remain dissatisfied, please call us on 0818 205 410.

In the event you believe your complaint has not been satisfactorily dealt with by us, you can contact the Financial Services and Pensions Ombudsman. You can write to them at the Financial Services and Pensions Ombudsman, Lincoln House, Lincoln Place, Dublin 2.

Under European Union rules, as Avantcard DAC provides financial services online we are obligated to inform you of the European Commission's Online Dispute Resolution (ODR) platform. The ODR platform is designed to allow consumers and traders settle disputes in relation to products or services purchased online if they remain unhappy with the response they have received as part of the complaint process. You can access this online dispute resolution platform, here.

*Calls charged at national rates. Cost may vary depending on your telecoms provider.