Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 23 Jan 2026, 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) 01.1821 01.1519 02.62
Bulgaria Lev (BGN) 02.3270
Czech Republic Koruna (CZK) 28.8077 27.9426 03.10
Denmark Krone (DKK) 08.8336 08.6034 02.68
Hungary Forint (HUF) 457.8040 440.2143 04.00
Iceland Krona (ISK) 172.8098 168.1834 02.75
Liechtenstein Swiss Franc (CHF) 01.1007 01.0687 03.00
Norway Krone (NOK) 13.7886 13.2957 03.71
Poland Zloty (PLN) 04.9875 04.8422 03.00
Romania Leu (RON) 06.0685 05.8686 03.41
Sweden Krona (SEK) 12.6088 12.1766 03.55
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1821
ECB Rate 01.1519
AIB & ECB % Difference 02.62
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3270
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.8077
ECB Rate 27.9426
AIB & ECB % Difference 03.10
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8336
ECB Rate 08.6034
AIB & ECB % Difference 02.68
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 457.8040
ECB Rate 440.2143
AIB & ECB % Difference 04.00
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 172.8098
ECB Rate 168.1834
AIB & ECB % Difference 02.75
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1007
ECB Rate 01.0687
AIB & ECB % Difference 03.00
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.7886
ECB Rate 13.2957
AIB & ECB % Difference 03.71
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9875
ECB Rate 04.8422
AIB & ECB % Difference 03.00
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0685
ECB Rate 05.8686
AIB & ECB % Difference 03.41
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.6088
ECB Rate 12.1766
AIB & ECB % Difference 03.55

*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.