Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 31 Mar 2025, 15:27
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2357 01.1971 03.22
Bulgaria Lev (BGN) 02.4218 02.3413 03.44
Czech Republic Koruna (CZK) 30.8555 29.8817 03.26
Denmark Krone (DKK) 09.2202 08.9318 03.23
Hungary Forint (HUF) 499.9863 481.6486 03.81
Iceland Krona (ISK) 175.6058 170.8246 02.80
Liechtenstein Swiss Franc (CHF) 01.1769 01.1409 03.15
Norway Krone (NOK) 13.9986 13.6624 02.46
Poland Zloty (PLN) 05.1737 05.0086 03.30
Romania Leu (RON) 06.1681 05.9580 03.53
Sweden Krona (SEK) 13.3959 12.9872 03.15
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2357
ECB Rate 01.1971
AIB & ECB % Difference 03.22
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.4218
ECB Rate 02.3413
AIB & ECB % Difference 03.44
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.8555
ECB Rate 29.8817
AIB & ECB % Difference 03.26
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.2202
ECB Rate 08.9318
AIB & ECB % Difference 03.23
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 499.9863
ECB Rate 481.6486
AIB & ECB % Difference 03.81
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 175.6058
ECB Rate 170.8246
AIB & ECB % Difference 02.80
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1769
ECB Rate 01.1409
AIB & ECB % Difference 03.15
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9986
ECB Rate 13.6624
AIB & ECB % Difference 02.46
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1737
ECB Rate 05.0086
AIB & ECB % Difference 03.30
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1681
ECB Rate 05.9580
AIB & ECB % Difference 03.53
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3959
ECB Rate 12.9872
AIB & ECB % Difference 03.15

*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