Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 27 Jun 2025, 22:15
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2066 01.1725 02.91
Bulgaria Lev (BGN) 02.3760 02.2931 03.61
Czech Republic Koruna (CZK) 29.8770 29.0163 02.97
Denmark Krone (DKK) 09.0053 08.7482 02.94
Hungary Forint (HUF) 487.4492 467.5929 04.25
Iceland Krona (ISK) 173.0459 166.4908 03.94
Liechtenstein Swiss Franc (CHF) 01.1325 01.0973 03.20
Norway Krone (NOK) 14.3060 13.8258 03.47
Poland Zloty (PLN) 05.1293 04.9687 03.23
Romania Leu (RON) 06.1598 05.9580 03.39
Sweden Krona (SEK) 13.4207 13.0359 02.95
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2066
ECB Rate 01.1725
AIB & ECB % Difference 02.91
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3760
ECB Rate 02.2931
AIB & ECB % Difference 03.61
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.8770
ECB Rate 29.0163
AIB & ECB % Difference 02.97
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.0053
ECB Rate 08.7482
AIB & ECB % Difference 02.94
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 487.4492
ECB Rate 467.5929
AIB & ECB % Difference 04.25
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 173.0459
ECB Rate 166.4908
AIB & ECB % Difference 03.94
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1325
ECB Rate 01.0973
AIB & ECB % Difference 03.20
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.3060
ECB Rate 13.8258
AIB & ECB % Difference 03.47
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1293
ECB Rate 04.9687
AIB & ECB % Difference 03.23
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1598
ECB Rate 05.9580
AIB & ECB % Difference 03.39
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.4207
ECB Rate 13.0359
AIB & ECB % Difference 02.95

*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