Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 27 Aug 2025, 22:20
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1916 01.1593 02.79
Bulgaria Lev (BGN) 02.3385 02.2673 03.14
Czech Republic Koruna (CZK) 29.3101 28.4512 03.02
Denmark Krone (DKK) 08.9119 08.6537 02.98
Hungary Forint (HUF) 476.3151 460.0626 03.53
Iceland Krona (ISK) 170.6338 165.7779 02.93
Liechtenstein Swiss Franc (CHF) 01.1184 01.0839 03.18
Norway Krone (NOK) 14.1067 13.6633 03.25
Poland Zloty (PLN) 05.0859 04.9499 02.75
Romania Leu (RON) 06.0522 05.8736 03.04
Sweden Krona (SEK) 13.3058 12.8866 03.25
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1916
ECB Rate 01.1593
AIB & ECB % Difference 02.79
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3385
ECB Rate 02.2673
AIB & ECB % Difference 03.14
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.3101
ECB Rate 28.4512
AIB & ECB % Difference 03.02
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9119
ECB Rate 08.6537
AIB & ECB % Difference 02.98
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 476.3151
ECB Rate 460.0626
AIB & ECB % Difference 03.53
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.6338
ECB Rate 165.7779
AIB & ECB % Difference 02.93
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1184
ECB Rate 01.0839
AIB & ECB % Difference 03.18
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.1067
ECB Rate 13.6633
AIB & ECB % Difference 03.25
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0859
ECB Rate 04.9499
AIB & ECB % Difference 02.75
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0522
ECB Rate 05.8736
AIB & ECB % Difference 03.04
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3058
ECB Rate 12.8866
AIB & ECB % Difference 03.25

*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