O% Balance Transfers

Make your life easier by having only one card account and one monthly repayment. We are offering a 0% promotional rate on Balance Transfers[1], giving you the option to transfer any other credit cards to a Chill Money credit card.

A Balance Transfer also allows you to put your households expenditure in one convenient place by transferring the balances of other cards belonging to additional cardholders.

Find out more about how to apply!

O% Balance Transfers

Make your life easier by having only one card account and one monthly repayment. We are offering a 0% promotional rate on Balance Transfers[1], giving you the option to transfer any other credit cards to a Chill Money credit card.

A Balance Transfer also allows you to put your households expenditure in one convenient place by transferring the balances of other cards belonging to additional cardholders.

Find out more about how to apply!

Access Credit With A Money Transfer

As a Chill Money credit card customer you have the ability to access your credit whenever the need arises. With a fantastic rate of only 9.9% on Money Transfers[2] you can transfer from your Chill Money credit card to your personal bank account in as little as one business day[3].

A Chill Money credit card customer is entitled to a wide range of benefits and offers. From fraud protection to travel services, there are plenty of benefits to suit your individual needs.

Find out more about Chill Money credit card benefits!

Access Credit With A Money Transfer

As a Chill Money credit card customer you have the ability to access your credit whenever the need arises. With a fantastic rate of only 9.9% on Money Transfers[2] you can transfer from your Chill Money credit card to your personal bank account in as little as one business day[3].

A Chill Money credit card customer is entitled to a wide range of benefits and offers. From fraud protection to travel services, there are plenty of benefits to suit your individual needs.

Find out more about Chill Money credit card benefits!

Access Credit With A Money Transfer

As a Chill Money credit card customer you have the ability to access your credit whenever the need arises. With a fantastic rate of only 9.9% on Money Transfers[2] you can transfer from your Chill Money credit card to your personal bank account in as little as one business day[3].

A Chill Money credit card customer is entitled to a wide range of benefits and offers. From fraud protection to travel services, there are plenty of benefits to suit your individual needs.

Find out more about Chill Money credit card benefits!

Applying Is Easy!

  Build your card
Enter in some basic details and depending on your circumstances, we will choose a credit limit that suits your needs.

  Help us get to know you
Tell us a little bit about yourself and your finances and our 100% online process could give you approval in principle in minutes.

  Verify your application
Snap a photo of your ID & send a PDF of your bank statements. This can be done by logging onto the Chill Money Hub which will detail what documents are needed to verify your application.

 Get your Chill Money credit card
Once your documents are approved and your application is finalised, you could have your Chill Money credit card in your hands in a matter of days!

Understanding APR

To help give you a better understanding of the costs of a Chill money credit card, below is a representative example of APR:

  • Assuming a credit limit of €1,500 on your credit card and you draw your entire credit limit in one transaction using your card for a period of one year,
  • The applicable interest rate is 16.8% (22.9% Annual Percentage Rate (APR)), and
  • Government stamp duty on the card is charged.

The total amount you would have to pay would be €1,636.50. The interest you would be charged is €136.50.

A full list of our rates and fees can be seen in our FAQ section.

[1] To avail of the 0% interest rate on Balance Transfers, you must take up the offer within the first 3 months of opening your Chill Money credit card account. This is a fixed promotional interest rate for up to 9 months. Once the promotional rate has expired, the standard variable rate applicable to your account (16.8%) will apply thereafter. For customers who request a Balance Transfer after 2.30pm on a Friday, the promotional rate expiry will be 2 days less than the 9 months.

[2] To avail of the 9.9% interest rate on Money Transfers, you must take up the offer within the first 3 months of opening your Chill Money credit card account. This is a fixed promotional interest rate for up to 6 months. Once the promotional rate has expired, the standard variable rate applicable to your account (16.8%) will apply thereafter.For customers who request a Money Transfer after 2.30pm on a Friday, the promotional rate expiry will be 2 days less than the 6 months

[3] Personal bank account excludes credit and loan accounts. Transfer before 2.30pm on a weekday and the money will be credited to your personal bank account in one business day. Transfers completed after 2.30pm on weekdays, any time during the weekend or bank holidays will take two business days. We may use our contractual discretion not to authorise a transfer in certain circumstances, for example by acting to prevent potential over indebtedness.