Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 01 Jan 2026, 22:27
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1793 01.1460 02.90
Bulgaria Lev (BGN) 02.3128 02.2413 03.19
Czech Republic Koruna (CZK) 28.6379 27.7756 03.10
Denmark Krone (DKK) 08.8252 08.5594 03.11
Hungary Forint (HUF) 456.5196 441.3821 03.43
Iceland Krona (ISK) 174.0550 168.6913 03.18
Liechtenstein Swiss Franc (CHF) 01.0988 01.0674 02.94
Norway Krone (NOK) 13.9849 13.5721 03.04
Poland Zloty (PLN) 04.9906 04.8373 03.17
Romania Leu (RON) 06.0330 05.8409 03.29
Sweden Krona (SEK) 12.7711 12.4014 02.98
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1793
ECB Rate 01.1460
AIB & ECB % Difference 02.90
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3128
ECB Rate 02.2413
AIB & ECB % Difference 03.19
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.6379
ECB Rate 27.7756
AIB & ECB % Difference 03.10
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8252
ECB Rate 08.5594
AIB & ECB % Difference 03.11
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 456.5196
ECB Rate 441.3821
AIB & ECB % Difference 03.43
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 174.0550
ECB Rate 168.6913
AIB & ECB % Difference 03.18
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0988
ECB Rate 01.0674
AIB & ECB % Difference 02.94
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9849
ECB Rate 13.5721
AIB & ECB % Difference 03.04
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9906
ECB Rate 04.8373
AIB & ECB % Difference 03.17
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0330
ECB Rate 05.8409
AIB & ECB % Difference 03.29
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.7711
ECB Rate 12.4014
AIB & ECB % Difference 02.98

*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.