Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 19 Mar 2026, 22:25
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1910 01.1576 02.89
Bulgaria Lev (BGN) 02.3484
Czech Republic Koruna (CZK) 29.1689 28.3801 02.78
Denmark Krone (DKK) 08.9208 08.6489 03.14
Hungary Forint (HUF) 472.9331 456.4291 03.62
Iceland Krona (ISK) 171.1087 165.9953 03.08
Liechtenstein Swiss Franc (CHF) 01.0845 01.0558 02.72
Norway Krone (NOK) 13.2156 12.7286 03.83
Poland Zloty (PLN) 05.0954 04.9605 02.72
Romania Leu (RON) 06.1195 05.9004 03.71
Sweden Krona (SEK) 12.8441 12.5093 02.68
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1910
ECB Rate 01.1576
AIB & ECB % Difference 02.89
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3484
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.1689
ECB Rate 28.3801
AIB & ECB % Difference 02.78
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9208
ECB Rate 08.6489
AIB & ECB % Difference 03.14
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 472.9331
ECB Rate 456.4291
AIB & ECB % Difference 03.62
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 171.1087
ECB Rate 165.9953
AIB & ECB % Difference 03.08
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0845
ECB Rate 01.0558
AIB & ECB % Difference 02.72
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.2156
ECB Rate 12.7286
AIB & ECB % Difference 03.83
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0954
ECB Rate 04.9605
AIB & ECB % Difference 02.72
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1195
ECB Rate 05.9004
AIB & ECB % Difference 03.71
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8441
ECB Rate 12.5093
AIB & ECB % Difference 02.68

*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