Credit Cards

1.9% per annum (p.a.) (fixed)* on balance transfers, money transfers and credit card cheques, for 10 months from the date your account is opened provided you comply in full with your terms and conditions.

14.9% p.a. (variable) thereafter and on card purchases.

19.3% APR (variable) (including Government Stamp Duty of €30).

Representative example: assuming a credit limit of €1,500, drawdown immediately in one card purchase transaction and repaid in equal monthly instalments over 12 months at an interest rate of 14.9% (variable) (19.3% APR), the total amount payable by you would be €1,648.61 (including Government Stamp Duty of €30); the amount of each montly instalment would be 137.38.

To apply, call us on 1800 409 510 quoting reference number 32A8UHNU.

*Although we do not charge a handling fee for this transfer, where applicable interest will be charged on this transaction as detailed in your terms and conditions or on the back of your most recent statement or alternatively you can log on to our Online Banking system to view your applicable rate. Please note your promotional rate will be withdrawn from the beginning of any statement period during which you have breached your terms and conditions, for example by paying your monthly payment late or by allowing your balance to go over your agreed credit limit. If you settle other cards and loans, your monthly payment may be lower. Charges may be incurred for the early settlement of other loans.

• Manage your account online.
• No annual fee.
• Free fraud protection and alert service as long as you notify us as soon as you notice any unusual transactions on your account, or that your card is missing.
• 24 hour customer helpline.

• Personal details e.g. home address.
• At least 3 years address history.
• Details of your present employment.
• Details of any current borrowings.
• Your bank account details.

MBNA Europe Bank Limited trading as MBNA Ireland is authorised by the Financial Services Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules.

MBNA Europe Bank Limited is registered as a branch in Ireland under number 903873 at Dublin Road, Carrick-on-Shannon, Co. Leitrim. Incorporated in England and Wales under number 2783251. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ.

The IMO Credit Card is issued by MBNA Europe Bank Limited, a Bank of America company. Credit is available, subject to status, to Irish residents aged 18 years or over. Balances cannot be transferred from another MBNA account. We will monitor and/or record some telephone calls. There is a stamp duty charged by the Government on all Irish credit card accounts.