Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 21 Nov 2025, 22:21
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1682 01.1360 02.84
Bulgaria Lev (BGN) 02.2937 02.2217 03.24
Czech Republic Koruna (CZK) 28.2802 27.5304 02.72
Denmark Krone (DKK) 08.7259 08.4843 02.85
Hungary Forint (HUF) 449.0413 435.5674 03.09
Iceland Krona (ISK) 172.1471 167.2157 02.95
Liechtenstein Swiss Franc (CHF) 01.0871 01.0552 03.02
Norway Krone (NOK) 13.7615 13.3977 02.72
Poland Zloty (PLN) 04.9466 04.8220 02.58
Romania Leu (RON) 05.9686 05.7817 03.23
Sweden Krona (SEK) 12.8427 12.5253 02.53
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1682
ECB Rate 01.1360
AIB & ECB % Difference 02.84
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.2937
ECB Rate 02.2217
AIB & ECB % Difference 03.24
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.2802
ECB Rate 27.5304
AIB & ECB % Difference 02.72
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7259
ECB Rate 08.4843
AIB & ECB % Difference 02.85
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 449.0413
ECB Rate 435.5674
AIB & ECB % Difference 03.09
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 172.1471
ECB Rate 167.2157
AIB & ECB % Difference 02.95
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0871
ECB Rate 01.0552
AIB & ECB % Difference 03.02
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.7615
ECB Rate 13.3977
AIB & ECB % Difference 02.72
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9466
ECB Rate 04.8220
AIB & ECB % Difference 02.58
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.9686
ECB Rate 05.7817
AIB & ECB % Difference 03.23
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8427
ECB Rate 12.5253
AIB & ECB % Difference 02.53

*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.