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Frequently asked questions
Cancel Avant: The Right Way
How to cancel your Avant money credit card in ireland
Understanding Avant money and why you might cancel
Avant Money is the Irish consumer finance division of Bankinter, offering credit cards, personal loans and mortgages to Irish residents. The service attracts customers with promotional features including cashback on groceries, zero-percent balance transfer periods and introductory purchase rates. Cancelling your Avant Money credit card is a straightforward process, but it requires attention to outstanding balances, final settlement dates and credit file implications.
You might cancel your Avant Money card when a promotional period ends and standard variable interest rates no longer suit your budget, when annual fees apply without corresponding rewards value, or when you have consolidated your credit onto another provider. Some customers cancel after experiencing unexpected fee increases, delayed payment processing or small residual charges that appear after they believed the account was closed.
When to cancel your Avant money account
Consider cancelling if the introductory zero-percent offer has expired and you face higher ongoing interest charges. If Avant Money has introduced annual fees on a previously free-to-hold card, or if you no longer use the rewards features, cancellation frees you from unnecessary charges. You should also cancel if you are consolidating multiple credit accounts to simplify your finances or if you plan to reduce your overall credit exposure.
Customer feedback from Irish forums and independent review sites highlights common pain points. Customers report surprise charges appearing after they believed an account was closed, delays in receiving final balance statements, and small outstanding amounts affecting their credit file. Some describe frustration when fees are introduced after years of no charges, or when communication during closure is unclear. These patterns show why clarity during cancellation is essential.
Your legal position under irish consumer law
Your rights are protected by the Consumer Rights Act 2015, which applies to all consumer credit products in Ireland. This legislation gives you the right to clear, transparent information about all charges, the right to cancel within defined timeframes, and the right to a final account statement showing a zero balance upon closure. Furthermore, you have the right to request confirmation of closure in writing within a reasonable timeframe.
When you cancel with Avant Money, the Consumer Rights Act 2015 requires the provider to confirm cancellation in writing and provide a final settlement figure. You can request a copy of your credit file from the Irish Credit Bureau to verify the account shows as closed with no outstanding balance. If Avant Money refuses to cancel or applies unexpected charges after closure, you can escalate your complaint to the Central Bank of Ireland (CBI), which regulates consumer credit in the Republic. Yafee specialises in helping Irish consumers understand and exercise these rights throughout the cancellation process.
Typical charges and fees on Avant money cards
Understanding what you might owe before cancelling helps you avoid surprise fees after closure.
| Card product | Headline features | Representative APR / costs | Best for |
|---|---|---|---|
| Everyday+ card | 5% cashback on groceries for first 12 months (capped); 1% cashback thereafter; no annual fee on select variants | Typical APR 15.9% to 21.9% (varies by credit assessment) | Regular grocery shoppers |
| Balance Transfer card | 0% on balance transfers for 9 months; 1.5% transfer fee; standard purchases at variable APR | 0% intro; then 15.9% to 21.9% APR | Debt consolidation |
| Purchase Plus card | 0% on purchases for 6 months; rewards points on all spending; potential annual fee (varies) | 0% intro; then 17.9% to 22.9% APR | Short-term purchase planning |
| Standard card | Variable APR; cashback on selected merchants; flexible spending | 18.9% to 23.9% APR | General credit use |
Before you cancel, request a final balance statement showing all outstanding charges, interest accrued and any fees due. You are entitled to a clear confirmation of your closure date in writing. If your card carries an outstanding balance, negotiate a settlement plan or pay in full to protect your credit file. You can also request that Avant Money flags your account as "consumer-requested closure" on your credit record, which safeguards your credit score from appearing as provider-initiated closure.
How to cancel your Avant money credit card online
Yafee recommends cancelling through Avant Money's digital channels for speed and documentary evidence of your request.
Step 1: log into your Avant money account
- Visit the Avant Money website or open the mobile app on your device.
- Use your registered email address and password to log in.
- If you have forgotten your password, select "Forgot password" and follow the reset link sent to your email.
Step 2: navigate to account settings and manage subscriptions
- Once logged in, select "Account" or "My Account" from the main menu.
- Look for a section labelled "Manage subscriptions," "Card settings" or "Close account."
- If the option is not immediately visible, scroll down or check a hamburger menu (three horizontal lines) on mobile devices.
Step 3: select your Avant money card for cancellation
- From the account management area, find the credit card you wish to cancel.
- The card should be listed by product name (for example, "Everyday+ card") or by the last four digits of the card number.
- Select the card to view its full details and active features.
Step 4: initiate the cancellation process
- Select the option labelled "Cancel subscription," "Close card" or "Cancel membership."
- Avant Money will display a confirmation screen outlining the consequences of cancellation.
- Read this carefully, as it will explain whether you retain benefits until the end of the current billing cycle.
Step 5: confirm cancellation and receive confirmation
- Click the "Confirm cancellation" button to finalise your request.
- Avant Money will immediately display a confirmation message with a cancellation reference number.
- Screenshot or note this reference number for your records.
- Check your registered email address for a confirmation email within 5 to 10 minutes.
- This email serves as proof of your cancellation request under the Consumer Rights Act 2015.
- Save this email indefinitely in case you need to dispute any later charges.
What happens after you cancel your Avant money card
Once you submit your cancellation request, Avant Money stops charging subscription fees and halts new transactions. However, several steps follow closure, and understanding the timeline protects you from unexpected issues.
Timeline and benefits retention
Avant Money typically stops processing new charges on your card within 24 hours of cancellation. You retain any active rewards or cashback benefits until the end of your current billing period, which Yafee advises you to use before that date. Any outstanding balance remains due, and interest continues to accrue on that balance at your contractual APR until you pay it in full. You receive a final balance statement by email within 7 to 10 working days, detailing all charges up to closure.
Requesting a final settlement figure
Contact Avant Money's customer service team immediately after cancelling to request an exact final settlement figure. This figure includes all outstanding charges, accrued interest and any fees due up to your chosen closure date. Paying this amount in full by the date specified in your settlement letter prevents your account from falling into arrears and protects your credit file.
Monitoring your credit file after closure
Within 30 days of closure, check your credit file with the Irish Credit Bureau to verify that Avant Money has reported your account as closed with a zero balance. If the account still shows as open or displays an outstanding balance, contact Avant Money immediately to correct the record. Under the Consumer Rights Act 2015, Avant Money must correct any inaccuracies within 30 days of your request.
Refunds and outstanding balances explained
The term "refund" does not apply in the traditional sense when you cancel a credit card, but understanding settlement protects you financially.
How settlement works when you cancel
When you cancel your Avant Money card, you are not entitled to a refund of interest or fees already charged, as these are contractual costs. However, if you have paid more than your outstanding balance (for example, you made an overpayment), Avant Money must refund the surplus amount to your original payment method within 5 to 10 working days. Request confirmation of this in writing so you have evidence of the refund.
If Avant Money charged you a fee or interest after you submitted your cancellation request, you may dispute this through the formal complaints process. Yafee recommends documenting the exact date and time of your cancellation request, as charges incurred after this date may be challengeable.
Paying your outstanding balance
If your Avant Money card carries an outstanding balance at cancellation, you must settle this to avoid credit file damage and potential debt recovery action. Negotiate a repayment plan if you cannot pay in full immediately. Avant Money cannot refuse to accept a settlement plan if you demonstrate genuine financial difficulty. Make all payments by the due date specified in your final settlement letter.
Common mistakes to avoid when cancelling
Cancelling your Avant Money card is a straightforward process, but several errors can cause complications that Yafee helps customers prevent every day.
Mistake 1: cancelling without requesting a final balance statement first
Never cancel your Avant Money card without requesting a written final balance statement from customer service. Cancelling without this figure means you may miss outstanding charges or interest, which can then damage your credit file. Contact Avant Money at least 3 business days before you intend to cancel and ask for an exact settlement figure in writing.
Mistake 2: failing to check your credit file after closure
Many customers assume Avant Money will correctly report account closure, but errors do occur. If the account remains flagged as open or unpaid, your credit score suffers immediately. Access your Irish Credit Bureau file within 30 days of closure and request corrections in writing if any inaccuracies appear.
Mistake 3: not keeping evidence of your cancellation request
If you cancel online, screenshot the confirmation screen and save the confirmation email indefinitely. This proof is essential if Avant Money later disputes that you cancelled or charges you after closure. Without documentary evidence, you face a difficult dispute under the Consumer Rights Act 2015.
Mistake 4: continuing to use your card after cancellation
After you receive cancellation confirmation, do not attempt to use your Avant Money card. Transactions may decline or be rejected, which can flag fraud on your account. If you retain a balance, use a different payment method to settle it.
Mistake 5: ignoring communication from Avant money about outstanding balances
After closure, Avant Money may contact you by post or email about any remaining balance. Respond to these communications immediately. Ignoring them can result in debt recovery action, which damages your credit file further. If you believe the balance is incorrect, dispute it formally in writing within 30 days of receiving the statement.
Your cancellation checklist
| Action | Timing | Evidence to keep |
|---|---|---|
| Request final balance statement | At least 3 days before cancelling | Email from Avant Money with exact settlement figure |
| Log into your Avant Money account online | Whenever convenient | Screenshot of login confirmation |
| Navigate to card settings and select "Cancel subscription" | Same day | Confirmation reference number and email |
| Pay your outstanding balance in full | By the due date on your settlement letter | Payment receipt or bank statement showing transaction |
| Check your Irish Credit Bureau file | Within 30 days of closure | Copy of your credit file showing account status |
| Request corrections if account status is incorrect | Within 30 days of discovering the error | Written request to Avant Money and Irish Credit Bureau |
When you should escalate to the central bank of ireland
If Avant Money refuses to cancel your account, applies charges after closure or fails to correct your credit file, you have the right to escalate your complaint to the Central Bank of Ireland (CBI).
Submitting a formal complaint
You can file a complaint with the CBI if Avant Money has not resolved your issue within 8 weeks of your initial request to them. Provide the CBI with your cancellation confirmation reference, copies of all correspondence with Avant Money, evidence of any disputed charges and a detailed explanation of why you believe Avant Money acted in breach of the Consumer Rights Act 2015. The CBI will investigate free of charge and can compel Avant Money to refund disputed charges or correct your credit file.
Yafee advises documenting every interaction with Avant Money, including the date, time and name of any customer service representative you speak with. This evidence strengthens your case if you escalate to the CBI.
Comparison: when to cancel versus when to keep your Avant money card
| Situation | Cancel your card | Keep your card |
|---|---|---|
| Introductory 0% period has ended | If standard APR is higher than competitors; if you have no outstanding balance | If you carry a balance and plan to pay it off gradually; if the APR is competitive |
| Annual fee introduced on previously free card | Yes, unless rewards value exceeds the fee | Only if cashback or rewards exceeds the annual fee cost |
| You rarely use the card's rewards features | Yes, to eliminate unnecessary charges | No, if the card has no annual fee |
| You have found a card with better APR and rewards elsewhere | Yes, after setting up your new card | Only if your current card offers better value |
| Outstanding balance and no plans to pay it soon | No (cancelling does not remove the debt); contact Avant Money to discuss a settlement plan | Not applicable; you must address the balance regardless |
| You are consolidating multiple credit accounts | Yes, after moving balances to your chosen provider | Only if Avant Money is your primary or lowest-cost card |
Contacting Avant money and next steps
If you prefer to cancel by telephone or postal mail rather than online, you can contact Avant Money's customer service team using the details below. In accordance with the Consumer Rights Act 2015, Avant Money must process cancellation requests submitted through any channel (online, phone or post) within the same timeframe.
Contact details for Avant money ireland
You can reach Avant Money customer service by telephone during business hours, by email or by post. When you contact them, provide your full name, card number (last four digits) and registered email address so they can locate your account quickly. Request a final balance statement and exact cancellation date in writing. Keep a record of the date and time of your contact and the name of any representative you speak with.
For postal cancellation requests, send a letter to Avant Money's Irish office requesting immediate cancellation of your account. Include your card details, statement of your outstanding balance (if known) and your preferred closure date. Send this letter via registered post so you have proof of delivery, which is essential evidence under the Consumer Rights Act 2015.
Yafee's role in supporting your cancellation
Yafee has helped thousands of consumers cancel credit cards and resolve disputes with financial providers across Ireland. Our contract law specialists understand the Consumer Rights Act 2015 and can advise you on your legal position if Avant Money refuses to cancel, applies unexpected charges or fails to correct your credit file. If you encounter resistance or dispute charges after closure, contact Yafee for guidance on escalating your complaint to the Central Bank of Ireland.
Yafee's resources help you navigate every step of the cancellation process with confidence, from requesting your final balance statement to monitoring your credit file after closure. We are here to ensure Avant Money complies with Irish consumer law and protects your financial interests throughout cancellation.
Cancelling your Avant Money credit card is a simple process when you follow these steps methodically and keep detailed evidence of every interaction. By requesting a final balance statement, cancelling through the online platform, paying any outstanding amount promptly and checking your credit file within 30 days, you protect yourself from unexpected charges and credit file damage. Yafee ensures you understand your rights under the Consumer Rights Act 2015 and have clear guidance if Avant Money fails to comply with your cancellation request. Start your cancellation today and take control of your credit profile.
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