Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 07 Nov 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) 01.1693 01.1349 03.03
Bulgaria Lev (BGN) 02.2994 02.2197 03.59
Czech Republic Koruna (CZK) 28.5075 27.6166 03.23
Denmark Krone (DKK) 08.7345 08.4743 03.07
Hungary Forint (HUF) 455.9588 437.4532 04.23
Iceland Krona (ISK) 171.3021 165.9290 03.24
Liechtenstein Swiss Franc (CHF) 01.0898 01.0569 03.12
Norway Krone (NOK) 13.8271 13.3697 03.42
Poland Zloty (PLN) 04.9756 04.8212 03.20
Romania Leu (RON) 05.9867 05.7718 03.72
Sweden Krona (SEK) 12.9283 12.5366 03.12
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1693
ECB Rate 01.1349
AIB & ECB % Difference 03.03
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.2994
ECB Rate 02.2197
AIB & ECB % Difference 03.59
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.5075
ECB Rate 27.6166
AIB & ECB % Difference 03.23
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7345
ECB Rate 08.4743
AIB & ECB % Difference 03.07
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 455.9588
ECB Rate 437.4532
AIB & ECB % Difference 04.23
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 171.3021
ECB Rate 165.9290
AIB & ECB % Difference 03.24
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0898
ECB Rate 01.0569
AIB & ECB % Difference 03.12
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.8271
ECB Rate 13.3697
AIB & ECB % Difference 03.42
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9756
ECB Rate 04.8212
AIB & ECB % Difference 03.20
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.9867
ECB Rate 05.7718
AIB & ECB % Difference 03.72
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.9283
ECB Rate 12.5366
AIB & ECB % Difference 03.12

*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