Compare Balance Transfer Credit Cards in Ireland

Compare the top balance transfer offers in Ireland using our comparison. Find the best balance transfer deal in minutes and save hundreds of euro in interest.

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Balance Transfer Credit Cards

The credit cards with the longest 0% balance transfer periods are shown first

An Post Money Classic
Balance Transfers
0% for 12 months
Purchases
-
Typical APR
22.9%
Avant Money One Card
One Card
Balance Transfers
0% for 9 months
Purchases
0% for 3 months
Typical APR
22.9%
0% on Money Transfers for 12 months
Avantages® loyalty programme i
0% on Money Transfers for 12 months
Avantages® loyalty programme Over 300 always-on offers. More discounts and less restrictions from 100’s of your favourite top brands. Plus exclusive experiences, customer days, and competitions for you and your family.
Bank of Ireland Platinum Advantage
Platinum Advantage
Balance Transfers
0% for 7 months
Purchases
0% for 6 months
Typical APR
19.6%
Annual fee of €76.18 applies
Free travel insurance
Instalment plan i
Free travel insurance
Instalment plan Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Classic
Classic
Balance Transfers
0% for 7 months
Purchases
0% for 6 months
Typical APR
22.1%
Instalment plan i
Instalment plan Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
Bank of Ireland Aer Credit Card
Aer Credit Card
Balance Transfers
0% for 7 months
Purchases
0% for 6 months
Typical APR
26.6%
Travel Rewards for €7.99 per month
Instalment plan i
Travel Rewards for €7.99 per month
Instalment plan Spread your bigger credit card purchases of €250 or more at a great low rate of 6.7% variable (6.9% Annual Percentage Rate).
KBC Credit Card
Balance Transfers
0% for 6 months
Purchases
-
Typical APR
18.25%
1% Cashback i
Instalment plan i
1% Cashback 1% cash back on grocery and online purchases made with the card, up to €10 a month.
Instalment plan Pay over 12, 18 or 24 months at a lower interest rate on transactions over €500.
Permanent TSB ICE Visa Credit Card
Balance Transfers
0% for 6 months
Purchases
0% for 3 months
Typical APR
22.53%
Typical Annual Percentage Rate (APR) is based on purchases of €1,500 and a credit limit of €1,500 plus annual Government Stamp Duty of €30.

How to save money with a balance transfer

A balance transfer could make your existing credit card borrowing much cheaper by reducing how much interest you pay.

How do balance transfers work?

With a balance transfer you can move your outstanding credit card borrowing from one card to another.

You may have to pay a small balance transfer fee to do this, but many credit card providers in Ireland currently offer fee free balance transfer deals.

How much money could you save?

Moving your credit card balance using a 0% balance transfer deal could potentially save you hundreds of euro and help you pay off what you owe faster.

Exactly how much you’ll save depends on:

  • How much you owe
  • How quickly you pay off your balance
  • The interest rate on your existing credit card
  • If there are any balance transfer fees to pay

For example, if you owed €2,000 on a credit card with an APR (Annual Percentage Rate) of 22.9% and did a 0% transfer lasting 12 months with no fee, you would save €232 in interest alone if you paid off your balance by the end of the 0% period.

How to choose the best balance transfer card

The best balance transfer card is the one that will save you the most money. To work this out you need to know how long it will take for you to pay off your borrowing.

You’ll then need to look for a credit card with a balance transfer offer that gives you enough time to repay your borrowing before the introductory interest period ends.

What happens after the balance transfer period ends?

At the end of your balance transfer period, any balance still outstanding on your credit card will start being charged interest at your cards standard APR.

Balance transfer FAQs

How long does a balance transfer take?

This varies depending on your credit card provider, but once your request has been made it should be completed within 14 working days.

How many balance transfers can I make?

There is no set limit to the number of balance transfers you can do as long as the total amount you transfer is below your credit limit.

However, for each new credit card application, you make you will need to pass the lenders affordability criteria, and you will also have to pay the €30 stamp duty charge each year on every credit card you keep open.

How much can I balance transfer?

This will depend on the credit limit you are given on your new credit card. Most providers then allow you to transfer up to 95% of your total credit limit as a balance transfer.

What is a money transfer?

Money transfers are similar to balance transfers, but instead of paying off another credit card you instead transfer funds directly to your bank account.

Money transfers can be a cost-effective alternative to using your overdraft or taking out a personal loan, but the overall cost will depend on a range of factors including:

  • How much you borrow
  • How long you take to pay it back
  • The introductory interest rate your card offers on money transfers
  • The APR of your credit card
Data valid as of 20/06/2022