Avant Money
Avant Money is Bankinter S.A.'s Irish banking subsidiary, providing mortgages, personal loans, credit cards, and deposit products to Irish consumers via digital channels and a broker network. It operates with a €4.4 billion loan book and a full Irish banking licence.
- Company typePublic
- Founded2025
- HeadquartersCarrick On Shannon, Ireland
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Avant Money does
Avant Money is the Irish banking subsidiary of Bankinter S.A., a publicly listed Spanish bank (Madrid Stock Exchange: BKT). The company provides credit products to Irish consumers across three core lines: mortgages (One Mortgage with a fixed rate for the full 15-30 year term, Flex Mortgage on a 12-month Euribor variable base, and standard 3-10 year fixed-rate products), personal loans (€5,000-€75,000, fixed rate, no early repayment fees), and credit cards (Everyday+, One Card, Reward+). Following Bankinter's April 2025 acquisition, the company also offers deposit products — most prominently the Deposit Plus six-month fixed account at 2.72% AER — via the Bankinter Ireland platform, with current accounts planned for later 2026. The company is regulated by the Central Bank of Ireland and authorised by the Banco de España.
The technology stack is digital-first: customers originate mortgages through the Mortgage Hub (online application, document upload, status tracking) with dedicated mortgage-advisor support layered on top; loans and credit cards are originated via online eligibility checkers, the iOS/Android mobile app, and a Document Centre; and open-banking data ingestion is handled via a CRIF Realtime Ireland integration. Distribution is hybrid — direct digital for loans and cards, plus an approved broker network for mortgages and phone-based contact centres for each product line. Mortgage Hub, mobile app, calculators and document upload are described as the principal proprietary surface; no proprietary AI/ML, models or patents were disclosed in the available data.
The business model is a standard consumer bank revenue stack: net interest income on the mortgage, personal loan and credit card book (loan book €4.4 billion at October 2025, up 20% year-on-year), transactional and interchange fees on cards, deposit spread economics starting in late 2025, and pricing incentives (1-2% cashback on mortgages, 5% grocery cashback on Everyday+, 25% interest refund on Reward+) used as customer-acquisition levers. Customer segments are horizontal — first-time buyers, home movers, switchers, personal-loan seekers, card users, and now savers — all served within Ireland only. The Avant Money brand is being phased out in favour of Bankinter Ireland as the corporate identity progresses.
Avant Money firmographics
Firmographics- Name
- Avant Money
- Legal name
- Bankinter S.A.
- Website
- https://avantmoney.ie
- Company type
- Public
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Avant Money is Bankinter S.A.'s Irish banking subsidiary, providing mortgages, personal loans, credit cards, and deposit products to Irish consumers via digital channels and a broker network. It operates with a €4.4 billion loan book and a full Irish banking licence.
- Ownership category
- akta.pro rank
Avant Money industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Credit Card Issuing (52221), Credit Intermediation and Related Activities (522)
- SIC
- Personal Credit Institutions (6141), National Commercial Banks (6021)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
Keywords
Where Avant Money is headquartered
LocationHeadquarters
- HQ city
- Carrick On Shannon
- HQ country
- Ireland
- HQ region
- Europe
Offices1 record
Markets served
Avant Money business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Lending: Interest income from mortgage portfolio including One Mortgage (long-term fixed rate), Fixed Term mortgages (3-10 years), and Flex Mortgage (variable rate). Loan book reached €4.4 billion as of October 2025.
- Personal Loans: Interest income from personal loans including car loans, home improvement loans, and refinance loans. Fixed interest rates with no early repayment fees.
- Credit Cards: Transaction fees, interchange fees, and interest charges on credit card balances. Products include Everyday+, One Card, and Reward+ with promotional 0% rates and cashback incentives.
- Deposit Taking: Interest paid to depositors on fixed-term deposit accounts. Following Bankinter acquisition, launched deposit products to gather deposits from Irish households.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | One Mortgage - Long-term fixed rate for full term (15-30 years) |
| Subscription | Monthly | Fixed Term Mortgages - 3 to 10 year fixed rates |
| Usage-based | Monthly | Flex Mortgage - Variable rate (12-month Euribor + margin) |
| Subscription | Monthly | Personal Loans - €5,000 to €75,000 |
| Transaction based/ take rate | Monthly | Everyday+ Credit Card |
| Transaction based/ take rate | Monthly | One Card Credit Card |
| Transaction based/ take rate | Monthly | Reward+ Credit Card |
| Subscription | Multi-year contract | Deposit Plus - Fixed Term Deposits |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels7 records
Avant Money product offering
Product offeringCore offering
Avant Money provides Irish consumers with residential mortgages, personal loans (home improvement, car, and refinance), credit cards (Everyday+, One Card, Reward+), and fixed-term deposit accounts (Deposit Plus). Products are accessed via a direct digital Mortgage Hub platform, the Avant Money mobile app, a national mortgage broker network, and phone-based personal loan sales. The business operates as a wholly-owned Irish subsidiary of Bankinter S.A. following its April 2025 acquisition.
Product overview
Avant Money is the Irish subsidiary of Spanish bank Bankinter, offering a comprehensive suite of consumer banking products. The portfolio consists of three core product lines: Mortgages (including One Mortgage with long-term fixed rates, Flex Mortgage with variable rates, and Fixed Term options), Personal Loans (covering car loans, home improvement, and refinance products), and Credit Cards (Everyday+, One Card, and Reward+ variants). Deposit products are offered through Bankinter's platform. The company operates through digital channels including the Mortgage Hub platform and mobile applications, with customer support available via phone and online.
Differentiator
Problem solved
Functional benefit
Products and services
- One Mortgage Variable-rate residential mortgage for first-time buyers, movers and self-build customers, applied for entirely online through Mortgage Hub.
- Flex Mortgage Long-term fixed-rate residential mortgage with no early repayment charge, giving borrowers certainty over their monthly payment for the term of the loan.
- Fixed Term Mortgage Mortgage with an initial fixed interest rate for a defined period that reverts to a variable rate thereafter, available to home buyers in Ireland.
- Home Improvement Loan Unsecured personal loan for funding home improvements or renovations, with fixed monthly instalments over a defined term.
- Car Loan Unsecured personal loan specifically for the purchase of a new or used vehicle, with fixed monthly repayments over a 12–60 month term.
- Refinance Loan Unsecured personal loan intended to refinance existing higher-cost credit such as credit cards, store cards or other loans, with fixed monthly repayments.
- One Card Credit card designed for international spending, with no foreign transaction fees and no eurozone ATM withdrawal fees, plus Apple Pay and Google Pay.
- Everyday+ Card Credit card offering cashback on everyday grocery and fuel spend, with contactless support including Apple Pay and Google Pay.
- Reward+ Card Credit card providing cashback rewards on dining, entertainment and travel spend, plus an introductory 0% balance transfer period for new customers.
- Deposit Plus Fixed-term deposit account paying a stated AER for a defined term, with a €100 minimum opening balance and no account fees.
Quantifiable outcome
- Borrowers can save €2,984.14 compared to Credit Union on a €30,000 personal loan over 5 years (source CCPC.ie)
- +2 more outcomes
Companies that use Avant Money
Customer profileSegments6 records
Ideal customer profiles5 records
Avant Money technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Avant Money partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- VMS IrelandcoreProperty valuation partner for mortgage applications. Customers schedule independent professional property valuations through VMS Ireland to assess market value and condition of properties being purchased.
- CRIF Realtime IrelandcoreOpen banking services partner enabling customers to securely share financial information with Avant Money during the loan and credit card application process.
Scale indicators8 records
Recent moves7 records
Expansion highlights5 records
Avant Money competitors and assessment
Company assessmentDirect peers
- AIB (Allied Irish Banks): Ireland's largest retail bank and dominant mortgage provider. Directly comparable as a full-stack Irish retail bank offering mortgages, personal loans, credit cards, and deposits to the same customer segments Avant Money targets.
- Bank of Ireland: One of Ireland's 'Big Two' incumbent banks with a national mortgage franchise, consumer lending, and deposit-gathering capabilities. Competes head-to-head with Avant Money across the same Irish retail customer segments.
- Permanent TSB: Irish challenger retail bank with a strong mortgage switching proposition. Closely comparable to Avant Money as a mid-tier Irish mortgage and consumer lender competing with the larger incumbents.
- EBS (Education Building Society): Irish mortgage specialist (owned by AIB) focused on residential lending and savings. Comparable as a mortgage-led Irish lender with strong first-time buyer positioning, mirroring Avant Money's segment focus.
- ICS Mortgages: Irish mortgage lender owned by Bank of Ireland operating as a non-bank broker-distributed competitor. Comparable to Avant Money in targeting Irish mortgage customers through broker channels with competitive fixed-rate products.
- Pepper Money Ireland: Non-bank lender active in the Irish mortgage and consumer credit market. Comparable as a specialist Irish lender using non-bank funding and broker distribution, competing directly on product innovation.
- Finance Ireland: Irish non-bank consumer and SME finance provider. Comparable to Avant Money as an Irish-headquartered alternative lender offering personal loans, mortgages, and consumer credit outside the incumbent banks.
Broad incumbents
- Bankinter S.A. Spanish publicly-listed parent bank that acquired Avant Money in April 2025. Operates a broader retail and corporate banking franchise across Spain, Portugal, and Luxembourg; Avant Money is the Irish extension of its digital lending model.
Emerging players
- Revolut Ireland: Digital challenger bank serving Irish consumers with multi-currency accounts, cards, and increasingly lending products. Comparable as an emerging digital-first alternative to traditional Irish banks, though lending depth is narrower than Avant Money's.
- N26 Ireland: Mobile-first European neobank with an Irish customer base offering current accounts and cards. Comparable as an emerging digital banking challenger expanding into the Irish retail financial services market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Avant Money social profiles
Digital presenceAvant Money compliance and trust
Trust signalCompliance2 records
Avant Money financial estimates
Financial estimateRevenue estimate
Valuation estimate
Avant Money leadership team
Management profileNumber of profiles
Avant Money funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Avant Money M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Avant Money
What does Avant Money do?
Avant Money provides Irish consumers with residential mortgages, personal loans (home improvement, car, and refinance), credit cards (Everyday+, One Card, Reward+), and fixed-term deposit accounts (Deposit Plus). Products are accessed via a direct digital Mortgage Hub platform, the Avant Money mobile app, a national mortgage broker network, and phone-based personal loan sales. The business operates as a wholly-owned Irish subsidiary of Bankinter S.A. following its April 2025 acquisition.
Is Avant Money a public or private company?
Avant Money is a public company. It is classified as corporate owned and is currently operating.
When was Avant Money founded?
Avant Money was founded in 2025. It employs 251 to 500 people.
Where is Avant Money based?
Avant Money is headquartered in Carrick On Shannon, Ireland, in the Europe region.
How does Avant Money make money?
Four revenue lines are on record. Mortgage Lending is the primary driver. The others are personal Loans, credit Cards and deposit Taking.
Who are Avant Money's main competitors?
Direct peers on record are AIB (Allied Irish Banks), Bank of Ireland, Permanent TSB, EBS (Education Building Society), ICS Mortgages, Pepper Money Ireland and Finance Ireland. Bankinter S.A. is listed as a broad incumbent. Emerging players are Revolut Ireland and N26 Ireland.
Does Avant Money have an API?
No public API is recorded for Avant Money.
What industry is Avant Money in?
Avant Money's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines). Its NAICS code is 52221 and its SIC code is 6141.