Credit is subject to status and conditions. Written quotations are available on request.
Warning: If you do not meet the repayments on your credit agreement, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
APR* and Fees
The APRs* and fees may vary. If your outstanding balance is less than €6, you must pay it off by the due date on your statement. If your outstanding balance is more than €6, you must pay a minimum of €6 or 3%, whichever is the greater. We reserve the right to withdraw this offer at any time. At the end of the introductory period, the standard rate of interest will apply.
*APR - Annual Percentage Rate
The exchange rate that will be applied to any transaction (or refund thereof) that needs to be converted into euro will be based on the exchange rate set by the card scheme (MasterCard or Visa) at the time that the transaction (or refund) is posted to your account, or if the transaction is routed through LINK (a UK Card Scheme) the applicable selling/buying note rate used by the Bank, all of which are available on the Website, together with a conversion fee set by us. The conversion fee is outlined in our brochures. The exchange rate set by MasterCard/Visa, which will fluctuate continuously and without notice, is available from the following website www.nets.eu/exchangerates. If you use your card in a country which has not adopted the euro, the merchant may propose converting the amount of the transaction into euro before processing the transaction. Before you agree to this, the merchant must tell you any charges and the applicable exchange rate or reference exchange rate. The exchange rate or reference exchange rate used by the merchant may be different from that which would have been used by the Bank had the merchant not carried out the conversion.
Terms and Conditions
For further information read out Terms and Conditions for Credit Cards.
National Irish Bank subscribes to the Code of Practice on Transparency in Credit Charges for Personal Customers (pdf).