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Frequently asked questions
Cancel Avantcard: The Right Way
How to cancel your Avantcard and understand your rights in ireland
What is Avantcard and why you might want to cancel
Avantcard operates in Ireland under the brand name Avant Money, offering credit card products and lending services to Irish consumers. The company provides three main card variants-Everyday+, One, and Reward+-each designed to serve different spending habits, from grocery cashback programmes to balance transfer options and interest refunds on purchases. You may have originally opened an account to access a promotional interest rate or because the card's rewards structure aligned with your spending patterns at the time. Circumstances shift, however: better deals emerge elsewhere, your financial priorities change, or you decide to reduce your total available credit to strengthen your financial position. Whatever your reason, closing a credit card account is your right as a consumer under Irish law, and Yafee is here to guide you through the cancellation process with clarity and precision.
Common reasons you might cancel Avantcard
You cancel your Avantcard account for many legitimate reasons rooted in sound financial practice. Perhaps you secured a competing credit card offering lower interest rates, superior rewards, or more generous terms. You may wish to reduce your total credit exposure to improve your credit score-a lower aggregate credit limit can positively influence your creditworthiness in the eyes of future lenders. Some customers close accounts after paying off a balance transfer, having used the card for its specific promotional purpose. Others switch to a different financial institution altogether and want to consolidate their banking relationships. Unused cards also present a fraud risk; every dormant account is a potential target for identity theft or unauthorised transactions. Yafee recognises that your decision to cancel is entirely valid, and the closure process should be transparent and free from obstruction.
What customers say about avant money service
Customer feedback on Avant Money reveals a mixed but instructive picture. Users frequently praise the speed of onboarding and the quality of support for mortgage enquiries, yet others report slow response times, delays with refunds, and difficulty resolving disputes. A consistent complaint centres on slow complaint resolution-cases that should close within 30 days can stretch far longer. This pattern matters directly to your cancellation: straightforward requests typically receive prompt attention, whereas complex queries or disputed charges can encounter delays. This experience teaches an important lesson: treat your cancellation as a formal transaction deserving of written documentation and a clear paper trail. Yafee advises you to submit your cancellation request in writing, retain copies of all correspondence, and demand written confirmation of closure. Documentation becomes your defence if disputes arise later.
Your consumer rights when cancelling Avantcard in ireland
Irish consumer law grants you explicit protection when closing a credit account without penalty or delay.
What the consumer rights act 2022 says about your protection
Under the Consumer Rights Act 2022 and the Consumer Credit Act 1995, you hold the right to terminate a credit agreement-including a credit card-without justification and without paying a cancellation penalty. The lender cannot refuse your closure request or impose fees simply for choosing to close your account. However, you remain liable for any outstanding balance, accrued interest, and contractual fees (such as annual card fees) incurred up to the moment of closure. In accordance with Irish law, Avant Money must acknowledge your closure request within a reasonable timeframe-typically 14 to 30 days-and provide you with written confirmation that your account is formally closed. Yafee emphasises that this confirmation letter is essential; it serves as your legal proof of closure and protects you against future billing disputes.
Your legal position: You can cancel your Avantcard at any time, for any reason, without financial penalty (other than paying off your balance and any fees already incurred). Avant Money has a legal obligation to process your request promptly, provide written acknowledgement, and issue a closure confirmation letter. If they refuse, delay unreasonably (beyond 30 days), or attempt to levy a closure fee, you can lodge a formal complaint with the Financial Services and Pensions Ombudsman (FSPO), Ireland's independent regulator for financial disputes.
How the FSPO can support you if avant money refuses to cooperate
The Financial Services and Pensions Ombudsman (FSPO) is your free escalation point if Avant Money obstructs your cancellation or fails to provide written closure confirmation within a reasonable timeframe. The FSPO investigates complaints about financial service providers, including credit card issuers, and can compel lenders to comply with consumer protection laws. If you escalate to the FSPO, you do not pay any fee; the investigation is funded by the financial services industry itself. The FSPO typically resolves disputes within 90 days, though complex cases may take longer. To file a complaint, contact the FSPO in writing or via their website, providing copies of all correspondence with Avant Money and a clear description of your complaint. Yafee recommends documenting every interaction-date, time, name of staff member, and summary of the conversation-to strengthen your case if escalation becomes necessary.
How to cancel your Avantcard in ireland
Avant Money offers two primary cancellation routes; both are equally valid under Irish consumer law.
Cancel your Avantcard by telephone
The quickest cancellation method is telephone contact. Avant Money's customer service team handles cancellation requests during business hours, and you can expect an immediate acknowledgement of your request. However, a telephone call alone does not constitute sufficient documentation; you must follow up in writing to create a permanent record.
- Gather your account details: your full name, residential address, Avantcard account number, and the current balance on your card (if any).
- Call Avant Money's customer service line at 0818 409 511 during business hours (typically Monday to Friday, 9am to 5pm).
- State clearly that you wish to cancel your Avantcard account and request that the agent provides you with a confirmation number and a reference for your closure request.
- Ask the agent to confirm the exact date your account will be closed and whether any outstanding balance or fees remain due.
- Request that Avant Money sends you a written closure confirmation letter within 14 days.
- End the call and immediately send a follow-up email or letter to Avant Money confirming the details of your telephone conversation and requesting written confirmation of closure.
Cancel your Avantcard by post
Postal cancellation is the most formal and fully documented approach. A written request creates an irrefutable record of your cancellation date and leaves no ambiguity about your instructions.
- Write a formal cancellation letter to Avant Money using this template structure:
- Your full name and residential address
- Your Avantcard account number
- The date of your letter
- A clear statement: "I hereby request the cancellation of my Avantcard account effective immediately."
- Your current contact telephone number and email address
- A request for written confirmation of closure within 14 days
- Retain a photocopy of your letter for your records.
- Send your letter by registered post (An Post Registered Letter service) to ensure proof of delivery:
- Avant Money
- PO Box 25
- Carrick-on-Shannon
- Co. Leitrim
- Ireland
- Retain the registered post receipt, which serves as proof that Avant Money received your cancellation request on a specific date.
- Allow 14 to 30 days for Avant Money to respond with written closure confirmation.
- If you do not receive written confirmation within 30 days, contact Avant Money by telephone to request immediate confirmation, and if they cannot provide it, escalate your complaint to the FSPO.
Important steps before you cancel
Before submitting your cancellation request, take these precautionary measures to avoid complications.
- Pay off your outstanding balance in full (if any) to avoid interest charges after closure. Note that Avant Money may still levy annual card fees up to your closure date.
- Cancel any automatic payments or recurring subscriptions linked to your Avantcard to prevent failed transactions after closure.
- Check your account for any pending transactions or disputed charges; resolve these before you cancel to avoid post-closure disputes.
- Request a final statement from Avant Money showing a zero balance and all fees applied, then retain this document.
- Verify that no outstanding balance remains on your account by checking your online portal (if available) or calling customer service.
What happens after you cancel your Avantcard
Cancellation does not end immediately; several administrative steps follow your formal request.
The closure timeline and what to expect
Avant Money processes cancellations within 14 to 30 days of receiving your request. During this period, your account remains active; do not attempt to use your card after submission, as transactions may still be processed and could incur additional fees or interest. Your card will stop working automatically once the account is formally closed. Consequently, you will receive written closure confirmation from Avant Money within 14 days in most cases; if confirmation does not arrive within 30 days, contact the FSPO. Yafee advises that you should not discard or destroy your physical card until you receive written closure confirmation; retain it as evidence that you held an active account until closure.
Confirming that your account is fully closed
After receiving closure confirmation from Avant Money, verify your status by taking these steps:
- Check your credit file at the Irish Credit Bureau (ICB) or Transunion Ireland to confirm that your Avantcard account is marked as "closed" or "cancelled" (not "in arrears" or "disputed").
- Attempt to log into your Avantcard online account; successful login is not possible on a closed account, so expect an error message confirming closure.
- Call Avant Money's customer service line and ask for verbal confirmation that your account is closed, then record the date and name of the agent who confirmed this.
- Retain your closure confirmation letter, the registered post receipt, and your final account statement indefinitely as proof of closure.
Outstanding balances, fees, and refunds
Understanding what you owe and what you may receive is essential to the cancellation process.
What charges remain after cancellation
When you cancel your Avantcard, you remain liable for all charges incurred up to the closure date. These include your outstanding card balance, all accrued interest on that balance, and any annual card fees charged by Avant Money before closure. You do not pay a cancellation fee; under Irish law, lenders cannot charge a fee simply for closing an account. However, if you cancel during an annual fee billing cycle, Avant Money may apply that annual fee to your final bill. For example, if your annual fee is €75 and it is due in the month you cancel, you will be charged €75. Conversely, if your annual fee is not due for six months after cancellation, you will not incur that fee. Yafee recommends requesting an itemised final statement showing every charge applied to your account so that you understand exactly what you owe.
Refund eligibility and timelines
You may be eligible for a refund if Avant Money has overcharged you or applied unauthorised fees. The circumstances under which refunds arise include disputed transactions, duplicate charges, or fees applied in error. To claim a refund, you must submit a written dispute to Avant Money within 60 days of the charge appearing on your statement (or within a longer timeframe if you can demonstrate that you were unaware of the charge). Avant Money must investigate your dispute and respond within 30 days; if they uphold your claim, they will refund the amount to your original payment method or to your final bill. If Avant Money refuses your refund request without adequate explanation, you can escalate the dispute to the FSPO. Processing times for refunds typically range from 10 to 30 working days once approved.
Pricing and fees comparison
Understanding Avantcard's fee structure helps you confirm that you are not being overcharged on your final bill.
| Card variant | Annual fee | Interest rate (standard) | Additional fees |
|---|---|---|---|
| Everyday+ | €0 | 12% to 18% | None (fee-free) |
| One | €49 | 11% to 15% | Cash advance fee: 2% |
| Reward+ | €60 | 10% to 14% | None (cashback on purchases) |
| Note: Rates and fees are indicative and subject to credit approval and Avant Money's current terms. Contact Avant Money for your specific rate and fee structure. | |||
Common mistakes to avoid when cancelling
Cancellation is straightforward if you follow a structured approach, but several pitfalls can delay your closure or create post-cancellation disputes.
Mistake 1: cancelling by telephone alone without written follow-up
A telephone call is quick but creates no permanent record. If a dispute arises later-for example, if Avant Money claims you never cancelled-you have no documentation to defend your position. Always follow up a telephone cancellation with a written letter or email to Avant Money confirming the details of your call, including the date, time, and the name of the agent who handled your request. Yafee strongly advises postal cancellation using registered post as the most legally robust method.
Mistake 2: cancelling without settling your balance first
If you cancel with an outstanding balance, interest will accrue on that balance after your account closes. You remain liable for this interest indefinitely. Settle your balance in full before cancelling, or ensure that you have a plan to pay the balance within 30 days of closure. Request a final balance statement showing a zero balance before submitting your cancellation request.
Mistake 3: using your card after submitting a cancellation request
Your card remains active until Avant Money's system processes the closure, which typically takes 14 to 30 days. Transactions made during this period will be processed and added to your final bill. Do not use your card after cancellation; instead, transition to an alternative payment method immediately.
Mistake 4: failing to retain closure confirmation for future reference
Your closure confirmation letter is your proof that your account was formally closed. Without this document, you have no legal protection if Avant Money later claims that your account remains open and attempts to collect funds. Store your closure letter and all supporting documentation (registered post receipts, final statements, copies of your cancellation letter) in a safe location for at least three years.
Comparison: Avantcard versus competing irish credit cards
If you are cancelling Avantcard to switch to an alternative card, this comparison may help you understand your options.
| Card provider | Annual fee | Interest rate range | Key feature |
|---|---|---|---|
| Avantcard (Avant Money) | €0-€60 | 10%-18% | Flexible terms; fast onboarding |
| Bank of Ireland credit card | €0-€60 | 12.9%-19.9% | Strong rewards for frequent users |
| AIB Visa card | €0 | 13.9%-18.9% | Interest-free balance transfers |
| Ulster Bank credit card | €0 | 11.9%-17.9% | Competitive rates; good customer support |
| Permanent TSB credit card | €0-€30 | 12.9%-19.9% | Flexible credit limits |
| Rates and fees are current as of this publication and subject to change. Contact providers directly for current terms and eligibility. | |||
Customer reviews and satisfaction with avant money
Customer feedback on Avant Money reflects both strengths and ongoing challenges with the service.
What customers praise
Users consistently highlight the speed of account approval and onboarding; many customers report receiving card approval and physical cards within 5 to 10 working days. Mortgage support is another strong point: customers seeking to purchase a home find Avant Money's mortgage advisors responsive and knowledgeable. The flexibility of credit limits and the willingness to work with customers on payment arrangements also receive positive mentions. The no-annual-fee Everyday+ card appeals to budget-conscious consumers.
What customers criticise
The primary complaint centres on customer service responsiveness once an issue arises. Customers report slow response times to emails, difficulty reaching customer support by phone during peak hours, and frustration with complaint resolution timelines that stretch well beyond the 30-day target set by the FSPO. Refund processing is another pain point; some customers report waiting 60 days or longer for disputed charges to be refunded. A secondary concern involves the complexity of resolving billing disputes; customers must often follow up multiple times before receiving clear explanations of charges or confirmation of refunds.
What to do if avant money refuses to close your account
In rare cases, Avant Money may delay or refuse your cancellation request, particularly if a dispute is active on your account or if you carry an outstanding balance.
Escalation steps if avant money obstructs your cancellation
- Confirm in writing that you have submitted a formal cancellation request and ask Avant Money to provide a written explanation of any reason they are refusing to close your account.
- If Avant Money claims that you owe money, request an itemised statement showing your exact balance, all charges applied, and the calculation method used to determine interest.
- If you dispute the balance or any charge, submit a formal dispute in writing within 60 days of the charge appearing on your statement.
- If Avant Money continues to refuse closure beyond 30 days or refuses to acknowledge your cancellation request, file a formal complaint with the Financial Services and Pensions Ombudsman (FSPO).
- In your FSPO complaint, include copies of your cancellation request, all correspondence with Avant Money, your registered post receipt (if applicable), and a clear description of why you believe Avant Money has unreasonably obstructed your closure.
Your legal position during disputes
You have the legal right to cancel your Avantcard even if a dispute is active on your account or if an outstanding balance remains. You cannot be forced to keep the account open simply because a disagreement is unresolved. Cancellation does not prevent you from pursuing a complaint about disputed charges; you can cancel the account and simultaneously lodge a dispute with the FSPO. The lender must continue to investigate your dispute even after the account is closed. Furthermore, cancellation does not prevent the FSPO from ordering Avant Money to refund disputed charges to you if your complaint is upheld.
Your cancellation checklist
Use this checklist to ensure you complete every step of the cancellation process correctly.
| Task | Status | Date completed |
|---|---|---|
| Pay off outstanding balance in full | ☐ Complete | _______ |
| Cancel any automatic payments or recurring subscriptions | ☐ Complete | _______ |
| Request final account statement showing zero balance | ☐ Complete | _______ |
| Submit cancellation request by post (registered letter) or telephone with written follow-up | ☐ Complete | _______ |
| Receive and retain closure confirmation letter from Avant Money | ☐ Complete | _______ |
| Verify closure by checking credit file and attempting to log into online account | ☐ Complete | _______ |
Contact information and next steps
To submit your cancellation request, contact Avant Money using the address and telephone number below.
Avant money contact details
By post:
Avant Money
PO Box 25
Carrick-on-Shannon
Co. Leitrim
Ireland
By telephone:
0818 409 511
(Available Monday to Friday, 9am to 5pm, excluding bank holidays)
Escalation contact: financial services and pensions ombudsman (FSPO)
If Avant Money refuses to close your account, obstructs your cancellation, or fails to provide written confirmation within 30 days, you can lodge a formal complaint with the FSPO.
Financial Services and Pensions Ombudsman (FSPO)
Lincoln House
Lincoln Place
Dublin 2
D02 VH29
Ireland
Telephone: 0818 678 678 (within Ireland) or +353 1 662 0060
Email: [email protected]
Website: www.fspo.ie
The FSPO handles complaints about credit card providers, lenders, and other financial services firms regulated in Ireland. Complaints are free to submit, and the FSPO typically resolves disputes within 90 days. You do not need to hire a solicitor; you can file a complaint yourself by submitting a written description of your complaint along with copies of all relevant correspondence with Avant Money.
Final summary
Cancelling your Avantcard is a straightforward process when you follow the correct legal framework and documented procedures. Under Irish consumer law-specifically the Consumer Rights Act 2022 and the Consumer Credit Act 1995-you hold the explicit right to close your credit card account without penalty, without justification, and without delay. Yafee has guided you through every step: from preparing your account for closure (paying your balance, cancelling recurring charges) to submitting your cancellation request by post or telephone, to verifying that your account is formally closed, to escalating your complaint to the FSPO if Avant Money obstructs you. The key to a smooth cancellation is documentation: submit your request in writing (or by telephone with written follow-up), retain every piece of correspondence, and demand written closure confirmation from Avant Money within 14 days. Yafee has helped thousands of consumers cancel credit card accounts quickly and painlessly by emphasising the importance of these documented steps. Your cancellation rights are absolute and legally enforceable. If Avant Money refuses to cooperate, the FSPO stands ready to compel them to comply with Irish consumer protection law. Yafee remains your trusted resource for understanding your rights and navigating the cancellation process with confidence and clarity.
Important warning
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