Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 31 Oct 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) 01.1694 01.1343 03.10
Bulgaria Lev (BGN) 02.3013 02.2185 03.73
Czech Republic Koruna (CZK) 28.5663 27.5941 03.52
Denmark Krone (DKK) 08.7391 08.4706 03.17
Hungary Forint (HUF) 458.0921 440.2223 04.06
Iceland Krona (ISK) 170.2410 164.2468 03.65
Liechtenstein Swiss Franc (CHF) 01.0870 01.0534 03.19
Norway Krone (NOK) 13.6474 13.2129 03.29
Poland Zloty (PLN) 04.9673 04.8276 02.89
Romania Leu (RON) 05.9874 05.7688 03.79
Sweden Krona (SEK) 12.7849 12.3922 03.17
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1694
ECB Rate 01.1343
AIB & ECB % Difference 03.10
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3013
ECB Rate 02.2185
AIB & ECB % Difference 03.73
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.5663
ECB Rate 27.5941
AIB & ECB % Difference 03.52
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7391
ECB Rate 08.4706
AIB & ECB % Difference 03.17
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 458.0921
ECB Rate 440.2223
AIB & ECB % Difference 04.06
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.2410
ECB Rate 164.2468
AIB & ECB % Difference 03.65
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0870
ECB Rate 01.0534
AIB & ECB % Difference 03.19
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.6474
ECB Rate 13.2129
AIB & ECB % Difference 03.29
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9673
ECB Rate 04.8276
AIB & ECB % Difference 02.89
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.9874
ECB Rate 05.7688
AIB & ECB % Difference 03.79
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.7849
ECB Rate 12.3922
AIB & ECB % Difference 03.17

*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.