Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 25 Jul 2025, 22:22
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1860 01.1474 03.36
Bulgaria Lev (BGN) 02.3288 02.2442 03.77
Czech Republic Koruna (CZK) 29.2073 28.1572 03.73
Denmark Krone (DKK) 08.8794 08.5650 03.67
Hungary Forint (HUF) 474.1233 455.4217 04.11
Iceland Krona (ISK) 168.9439 163.1670 03.54
Liechtenstein Swiss Franc (CHF) 01.1092 01.0721 03.47
Norway Krone (NOK) 14.1414 13.6540 03.57
Poland Zloty (PLN) 05.0556 04.8816 03.56
Romania Leu (RON) 06.0409 05.8184 03.82
Sweden Krona (SEK) 13.3244 12.8130 03.99
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1860
ECB Rate 01.1474
AIB & ECB % Difference 03.36
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3288
ECB Rate 02.2442
AIB & ECB % Difference 03.77
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.2073
ECB Rate 28.1572
AIB & ECB % Difference 03.73
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8794
ECB Rate 08.5650
AIB & ECB % Difference 03.67
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 474.1233
ECB Rate 455.4217
AIB & ECB % Difference 04.11
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.9439
ECB Rate 163.1670
AIB & ECB % Difference 03.54
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1092
ECB Rate 01.0721
AIB & ECB % Difference 03.47
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.1414
ECB Rate 13.6540
AIB & ECB % Difference 03.57
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0556
ECB Rate 04.8816
AIB & ECB % Difference 03.56
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0409
ECB Rate 05.8184
AIB & ECB % Difference 03.82
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3244
ECB Rate 12.8130
AIB & ECB % Difference 03.99

*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.