Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 03 Oct 2025, 22:21
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1822 01.1460 03.16
Bulgaria Lev (BGN) 02.3250 02.2413 03.73
Czech Republic Koruna (CZK) 28.7240 27.8215 03.24
Denmark Krone (DKK) 08.8373 08.5568 03.28
Hungary Forint (HUF) 463.1405 445.6567 03.92
Iceland Krona (ISK) 168.8353 162.9613 03.60
Liechtenstein Swiss Franc (CHF) 01.1066 01.0707 03.35
Norway Krone (NOK) 13.8428 13.3790 03.47
Poland Zloty (PLN) 05.0429 04.8768 03.41
Romania Leu (RON) 06.0509 05.8336 03.73
Sweden Krona (SEK) 13.0338 12.6094 03.37
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1822
ECB Rate 01.1460
AIB & ECB % Difference 03.16
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3250
ECB Rate 02.2413
AIB & ECB % Difference 03.73
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.7240
ECB Rate 27.8215
AIB & ECB % Difference 03.24
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8373
ECB Rate 08.5568
AIB & ECB % Difference 03.28
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 463.1405
ECB Rate 445.6567
AIB & ECB % Difference 03.92
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.8353
ECB Rate 162.9613
AIB & ECB % Difference 03.60
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1066
ECB Rate 01.0707
AIB & ECB % Difference 03.35
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.8428
ECB Rate 13.3790
AIB & ECB % Difference 03.47
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0429
ECB Rate 04.8768
AIB & ECB % Difference 03.41
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0509
ECB Rate 05.8336
AIB & ECB % Difference 03.73
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.0338
ECB Rate 12.6094
AIB & ECB % Difference 03.37

*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