Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 04 Sep 2025, 22:24
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1850 01.1543 02.66
Bulgaria Lev (BGN) 02.3310 02.2576 03.25
Czech Republic Koruna (CZK) 29.0492 28.2258 02.92
Denmark Krone (DKK) 08.8482 08.6164 02.69
Hungary Forint (HUF) 471.4283 453.8266 03.88
Iceland Krona (ISK) 170.3988 165.7624 02.80
Liechtenstein Swiss Franc (CHF) 01.1123 01.0831 02.69
Norway Krone (NOK) 13.8963 13.5669 02.43
Poland Zloty (PLN) 05.0491 04.9071 02.89
Romania Leu (RON) 06.0599 05.8603 03.41
Sweden Krona (SEK) 13.0545 12.7190 02.64
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1850
ECB Rate 01.1543
AIB & ECB % Difference 02.66
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3310
ECB Rate 02.2576
AIB & ECB % Difference 03.25
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.0492
ECB Rate 28.2258
AIB & ECB % Difference 02.92
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8482
ECB Rate 08.6164
AIB & ECB % Difference 02.69
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 471.4283
ECB Rate 453.8266
AIB & ECB % Difference 03.88
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.3988
ECB Rate 165.7624
AIB & ECB % Difference 02.80
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1123
ECB Rate 01.0831
AIB & ECB % Difference 02.69
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.8963
ECB Rate 13.5669
AIB & ECB % Difference 02.43
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0491
ECB Rate 04.9071
AIB & ECB % Difference 02.89
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0599
ECB Rate 05.8603
AIB & ECB % Difference 03.41
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.0545
ECB Rate 12.7190
AIB & ECB % Difference 02.64

*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.