Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 06 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) 01.1897 01.1522 03.26
Bulgaria Lev (BGN) 02.3343
Czech Republic Koruna (CZK) 29.0239 27.9295 03.92
Denmark Krone (DKK) 08.8865 08.6038 03.29
Hungary Forint (HUF) 454.2418 435.4764 04.31
Iceland Krona (ISK) 172.5750 167.3004 03.15
Liechtenstein Swiss Franc (CHF) 01.0942 01.0571 03.50
Norway Krone (NOK) 13.6710 13.2152 03.45
Poland Zloty (PLN) 05.0274 04.8606 03.43
Romania Leu (RON) 06.0841 05.8670 03.70
Sweden Krona (SEK) 12.6558 12.2981 02.91
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1897
ECB Rate 01.1522
AIB & ECB % Difference 03.26
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3343
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.0239
ECB Rate 27.9295
AIB & ECB % Difference 03.92
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8865
ECB Rate 08.6038
AIB & ECB % Difference 03.29
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 454.2418
ECB Rate 435.4764
AIB & ECB % Difference 04.31
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 172.5750
ECB Rate 167.3004
AIB & ECB % Difference 03.15
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0942
ECB Rate 01.0571
AIB & ECB % Difference 03.50
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.6710
ECB Rate 13.2152
AIB & ECB % Difference 03.45
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0274
ECB Rate 04.8606
AIB & ECB % Difference 03.43
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0841
ECB Rate 05.8670
AIB & ECB % Difference 03.70
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.6558
ECB Rate 12.2981
AIB & ECB % Difference 02.91

*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