Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 27 Feb 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) 01.1803 01.1412 03.43
Bulgaria Lev (BGN) 02.3177
Czech Republic Koruna (CZK) 28.6570 27.6663 03.58
Denmark Krone (DKK) 08.8229 08.5265 03.48
Hungary Forint (HUF) 446.5972 429.7957 03.91
Iceland Krona (ISK) 169.7744 163.7567 03.67
Liechtenstein Swiss Franc (CHF) 01.0795 01.0389 03.91
Norway Krone (NOK) 13.3484 12.7907 04.36
Poland Zloty (PLN) 04.9895 04.8206 03.50
Romania Leu (RON) 06.0419 05.8150 03.90
Sweden Krona (SEK) 12.5980 12.1697 03.52
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1803
ECB Rate 01.1412
AIB & ECB % Difference 03.43
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3177
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.6570
ECB Rate 27.6663
AIB & ECB % Difference 03.58
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8229
ECB Rate 08.5265
AIB & ECB % Difference 03.48
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 446.5972
ECB Rate 429.7957
AIB & ECB % Difference 03.91
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 169.7744
ECB Rate 163.7567
AIB & ECB % Difference 03.67
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0795
ECB Rate 01.0389
AIB & ECB % Difference 03.91
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3484
ECB Rate 12.7907
AIB & ECB % Difference 04.36
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9895
ECB Rate 04.8206
AIB & ECB % Difference 03.50
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0419
ECB Rate 05.8150
AIB & ECB % Difference 03.90
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.5980
ECB Rate 12.1697
AIB & ECB % Difference 03.52

*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