Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 12 Dec 2025, 22:23
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1769 01.1406 03.18
Bulgaria Lev (BGN) 02.3126 02.2309 03.66
Czech Republic Koruna (CZK) 28.6118 27.6480 03.49
Denmark Krone (DKK) 08.7941 08.5204 03.21
Hungary Forint (HUF) 454.9136 438.4966 03.74
Iceland Krona (ISK) 174.3996 169.2711 03.03
Liechtenstein Swiss Franc (CHF) 01.1017 01.0646 03.48
Norway Krone (NOK) 13.9443 13.5234 03.11
Poland Zloty (PLN) 04.9799 04.8164 03.40
Romania Leu (RON) 06.0234 05.8063 03.74
Sweden Krona (SEK) 12.7856 12.4176 02.96
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1769
ECB Rate 01.1406
AIB & ECB % Difference 03.18
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3126
ECB Rate 02.2309
AIB & ECB % Difference 03.66
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.6118
ECB Rate 27.6480
AIB & ECB % Difference 03.49
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7941
ECB Rate 08.5204
AIB & ECB % Difference 03.21
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 454.9136
ECB Rate 438.4966
AIB & ECB % Difference 03.74
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 174.3996
ECB Rate 169.2711
AIB & ECB % Difference 03.03
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1017
ECB Rate 01.0646
AIB & ECB % Difference 03.48
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9443
ECB Rate 13.5234
AIB & ECB % Difference 03.11
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9799
ECB Rate 04.8164
AIB & ECB % Difference 03.40
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0234
ECB Rate 05.8063
AIB & ECB % Difference 03.74
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.7856
ECB Rate 12.4176
AIB & ECB % Difference 02.96

*AIB rate is the Visa rate plus the currency conversion fee

Currency Conversion Fees:

We apply the following fee when you use your Credit card to complete a transaction in a foreign currency.

Currency Conversion Fee 2.75% of the value of the transaction

 

Key Information:

  • All foreign exchange rates in the above table are updated twice daily, on any business day

  • When you use your Credit card to pay for something that is not in sterling, Visa will convert that payment to sterling using the exchange rate that applies on the day the transaction hits your account, which may not be the day of the transaction itself. Please note that this amount may be more or less than the amount stated at the time the transaction was initiated

  • You will find further information on how your card works and the fees and charges on our website.