Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 09 Apr 2026, 15:20
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1829 01.1487 02.98
Czech Republic Koruna (CZK) 28.9589 28.0575 03.21
Denmark Krone (DKK) 08.8178 08.6000 02.53
Hungary Forint (HUF) 456.5925 432.2903 05.62
Iceland Krona (ISK) 170.8166 165.4909 03.22
Liechtenstein Swiss Franc (CHF) 01.0912 01.0614 02.81
Norway Krone (NOK) 13.3101 12.8359 03.69
Poland Zloty (PLN) 05.0688 04.8954 03.54
Romania Leu (RON) 06.0446 05.8638 03.08
Sweden Krona (SEK) 12.8874 12.4107 03.84
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1829
ECB Rate 01.1487
AIB & ECB % Difference 02.98
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.9589
ECB Rate 28.0575
AIB & ECB % Difference 03.21
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8178
ECB Rate 08.6000
AIB & ECB % Difference 02.53
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 456.5925
ECB Rate 432.2903
AIB & ECB % Difference 05.62
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.8166
ECB Rate 165.4909
AIB & ECB % Difference 03.22
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0912
ECB Rate 01.0614
AIB & ECB % Difference 02.81
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3101
ECB Rate 12.8359
AIB & ECB % Difference 03.69
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0688
ECB Rate 04.8954
AIB & ECB % Difference 03.54
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0446
ECB Rate 05.8638
AIB & ECB % Difference 03.08
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8874
ECB Rate 12.4107
AIB & ECB % Difference 03.84

*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