Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 21 Feb 2025, 22:23
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2424 01.2074 02.90
Bulgaria Lev (BGN) 02.4457 02.3614 03.57
Czech Republic Koruna (CZK) 31.2440 30.2730 03.21
Denmark Krone (DKK) 09.2656 09.0060 02.88
Hungary Forint (HUF) 504.1143 485.4690 03.84
Iceland Krona (ISK) 181.3907 175.9173 03.11
Liechtenstein Swiss Franc (CHF) 01.1713 01.1377 02.95
Norway Krone (NOK) 14.4657 14.0166 03.20
Poland Zloty (PLN) 05.1922 05.0234 03.36
Romania Leu (RON) 06.2285 06.0102 03.63
Sweden Krona (SEK) 13.8952 13.4818 03.07
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2424
ECB Rate 01.2074
AIB & ECB % Difference 02.90
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.4457
ECB Rate 02.3614
AIB & ECB % Difference 03.57
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 31.2440
ECB Rate 30.2730
AIB & ECB % Difference 03.21
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.2656
ECB Rate 09.0060
AIB & ECB % Difference 02.88
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 504.1143
ECB Rate 485.4690
AIB & ECB % Difference 03.84
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 181.3907
ECB Rate 175.9173
AIB & ECB % Difference 03.11
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1713
ECB Rate 01.1377
AIB & ECB % Difference 02.95
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.4657
ECB Rate 14.0166
AIB & ECB % Difference 03.20
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1922
ECB Rate 05.0234
AIB & ECB % Difference 03.36
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.2285
ECB Rate 06.0102
AIB & ECB % Difference 03.63
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.8952
ECB Rate 13.4818
AIB & ECB % Difference 03.07

*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