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0% (fixed) interest on balance transfers and purchases

Switch your credit card balance to permanent tsb and get 0% (fixed) interest on the balance transfer for the first 6 months.

What's more, you'll also get 0% (fixed) interest on any purchases for the first 3 months too. 

Additional extras

  • After the first 3 months, enjoy interest-free credit for up to 56 days
  • A second card for a family member for free (once they're over 18)
  • Protection against fraud when shopping online with Verified by Visa
  • All the usual stuff you'd expect from a Visa Credit Card

Important information

  • After the first 3 months, a purchase rate of 16.50% (variable), 22.53% (variable) annual percentage rate (APR) will apply to all new purchases and any new balances that are built up and not cleared during the 3-month interest-free period. This rate will also apply to any previous balances transferred to your new permanent tsb ICE Visa Card and not cleared after 6 months
  • An interest rate of 22.46% (variable) will apply to all cash withdrawals for the full 6 months

Representative example

  • Assume you have a credit limit on your card of €1,500
  • You use your full limit to make a single card purchase immediately after receiving your card, and you repay the €1,500 in 12 equal monthly installments of €125 plus any interest charged for that month at a purchase interest rate of 16.50% (variable), 22.53% (variable) APR.
  • The total amount that you will pay back will be €1,664.06, which includes Government stamp duty of €30.00 and interest of €134.06

Please note: the representative example above does not take promotional rates into account.

How to apply

  • If you’re a permanent tsb customer just log into Open24 Online Banking from your desktop and start your application today
  • If you’re not registered for Open24, or you’re not a permanent tsb customer, you can start your application online, drop into any permanent tsb branch, or call us on 1890 500 198 or +353 1 212 4027

To process your application we'll need the following:

  • A completed and signed credit card application form, which we’ll post out to you. If your main bank account is with permanent tsb, this is all we should need you will need to provide us with your PPSN. If approved, you will need to submit proof of PPSN.

If your main bank account is not with permanent tsb, we’ll also need:

  • Proof of identification, such as your passport
  • Proof of address, such as a utility bill
  • Proof of PPSN, such as a P60 (Personal Public Services Number)
  • Proof of income, such as 3 months of bank statements from your main personal current account. In certain circumstances, 2 recent pay slips may also be required

See our required documents page for details.

Please note: Not all applications are the same and additional information may be required in certain circumstances.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.

Balance Transfer Calculator

What is your current outstanding balance? What is your current outstanding balance? This is the outstanding balance owed on your existing credit card that you intend to transfer across to the permanent tsb ICE Credit Card Close

What is your current purchase rate? What is your current purchase rate? This is the annual (nominal) purchase rate on your existing Credit Card. To find out the APR rate charged on purchases of your existing Credit Card please visit the National Consumer Agency website. Close

What are your intended monthly repayments? What are your intended monthly repayments? This is the amount you are intending to pay off your existing credit card balance each month over the next six month period. Close

Please fill in all the fields above to get started!

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