Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 30 Oct 2025, 15:20
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1710 01.1362 03.06
Bulgaria Lev (BGN) 02.3061 02.2222 03.77
Czech Republic Koruna (CZK) 28.5473 27.6991 03.06
Denmark Krone (DKK) 08.7516 08.4853 03.14
Hungary Forint (HUF) 458.7596 441.9384 03.81
Iceland Krona (ISK) 168.3358 163.6178 02.88
Liechtenstein Swiss Franc (CHF) 01.0861 01.0545 02.99
Norway Krone (NOK) 13.6525 13.2539 03.01
Poland Zloty (PLN) 04.9641 04.8233 02.92
Romania Leu (RON) 06.0011 05.7783 03.86
Sweden Krona (SEK) 12.8013 12.4304 02.98
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1710
ECB Rate 01.1362
AIB & ECB % Difference 03.06
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3061
ECB Rate 02.2222
AIB & ECB % Difference 03.77
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.5473
ECB Rate 27.6991
AIB & ECB % Difference 03.06
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7516
ECB Rate 08.4853
AIB & ECB % Difference 03.14
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 458.7596
ECB Rate 441.9384
AIB & ECB % Difference 03.81
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.3358
ECB Rate 163.6178
AIB & ECB % Difference 02.88
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0861
ECB Rate 01.0545
AIB & ECB % Difference 02.99
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.6525
ECB Rate 13.2539
AIB & ECB % Difference 03.01
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9641
ECB Rate 04.8233
AIB & ECB % Difference 02.92
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0011
ECB Rate 05.7783
AIB & ECB % Difference 03.86
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8013
ECB Rate 12.4304
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.