Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 18 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) 01.1898 01.1553 02.99
Bulgaria Lev (BGN) 02.3362 02.2595 03.40
Czech Republic Koruna (CZK) 29.3380 28.4462 03.14
Denmark Krone (DKK) 08.8827 08.6225 03.02
Hungary Forint (HUF) 477.2863 461.0213 03.53
Iceland Krona (ISK) 168.9275 164.0481 02.97
Liechtenstein Swiss Franc (CHF) 01.1105 01.0772 03.10
Norway Krone (NOK) 14.2676 13.6709 04.36
Poland Zloty (PLN) 05.0690 04.9091 03.26
Romania Leu (RON) 06.0619 05.8604 03.44
Sweden Krona (SEK) 13.4756 12.9973 03.68
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1898
ECB Rate 01.1553
AIB & ECB % Difference 02.99
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3362
ECB Rate 02.2595
AIB & ECB % Difference 03.40
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.3380
ECB Rate 28.4462
AIB & ECB % Difference 03.14
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8827
ECB Rate 08.6225
AIB & ECB % Difference 03.02
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 477.2863
ECB Rate 461.0213
AIB & ECB % Difference 03.53
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.9275
ECB Rate 164.0481
AIB & ECB % Difference 02.97
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1105
ECB Rate 01.0772
AIB & ECB % Difference 03.10
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.2676
ECB Rate 13.6709
AIB & ECB % Difference 04.36
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0690
ECB Rate 04.9091
AIB & ECB % Difference 03.26
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0619
ECB Rate 05.8604
AIB & ECB % Difference 03.44
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.4756
ECB Rate 12.9973
AIB & ECB % Difference 03.68

*AIB rate is the Visa rate plus the currency conversion fee

Currency Conversion Fees:

We apply the following fees when you use your Debit card to complete a transaction in a foreign currency.

Transaction Type Cash Withdrawals Using your Visa Debit Card to buy goods and services and withdraw money over the counter (known as a ‘manual cash advance') in a foreign currency
Currency Conversion Fee 2.75% On The Sterling Amount* 2.75% On The Sterling Amount**


* If you are withdrawing a currency other than euro, you will also have to pay a separate 1.5% cash handling fee on the sterling amount.
** For manual cash advances (including pounds sterling), we will charge you a separate 1.5% cash handling fee on the sterling amount.

 

Key Information:

  • All foreign exchange rates in the above table are updated twice daily, on any business day

  • In addition to the fees above, account transaction fees may also apply

  • When you use your Debit 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