Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 15 Aug 2025, 15:30
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1957 01.1598 03.09
Bulgaria Lev (BGN) 02.3497 02.2684 03.58
Czech Republic Koruna (CZK) 29.3036 28.3948 03.20
Denmark Krone (DKK) 08.9254 08.6565 03.11
Hungary Forint (HUF) 475.4084 458.1072 03.78
Iceland Krona (ISK) 172.1621 166.0868 03.66
Liechtenstein Swiss Franc (CHF) 01.1264 01.0923 03.12
Norway Krone (NOK) 14.2846 13.7973 03.53
Poland Zloty (PLN) 05.1001 04.9395 03.25
Romania Leu (RON) 06.0887 05.8718 03.69
Sweden Krona (SEK) 13.3793 12.9639 03.20
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1957
ECB Rate 01.1598
AIB & ECB % Difference 03.09
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3497
ECB Rate 02.2684
AIB & ECB % Difference 03.58
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.3036
ECB Rate 28.3948
AIB & ECB % Difference 03.20
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9254
ECB Rate 08.6565
AIB & ECB % Difference 03.11
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 475.4084
ECB Rate 458.1072
AIB & ECB % Difference 03.78
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 172.1621
ECB Rate 166.0868
AIB & ECB % Difference 03.66
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1264
ECB Rate 01.0923
AIB & ECB % Difference 03.12
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.2846
ECB Rate 13.7973
AIB & ECB % Difference 03.53
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1001
ECB Rate 04.9395
AIB & ECB % Difference 03.25
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0887
ECB Rate 05.8718
AIB & ECB % Difference 03.69
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3793
ECB Rate 12.9639
AIB & ECB % Difference 03.20

*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.