Exchange rates for EU/EEA currencies on Debit cards

Conversion Rates
Last Updated: 15 Jan 2022, 00:16
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2320 01.1975 02.88
Bulgaria Lev (BGN) 02.4238 02.3421 03.49
Croatia Kuna (HRK) 09.3063 09.0057 03.34
Czech Republic Koruna (CZK) 30.2828 29.3301 03.25
Denmark Krone (DKK) 09.1851 08.9110 03.08
Hungary Forint (HUF) 442.8859 426.4262 03.86
Iceland Krona (ISK) 181.4793 176.0310 03.09
Liechtenstein Swiss Franc (CHF) 01.2863 01.2489 03.00
Norway Krone (NOK) 12.4370 11.9585 04.00
Poland Zloty (PLN) 05.5962 05.4383 02.90
Romania Leu (RON) 06.1294 05.9191 03.55
Sweden Krona (SEK) 12.7156 12.2963 03.41
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2320
ECB Rate 01.1975
AIB & ECB % Difference 02.88
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.4238
ECB Rate 02.3421
AIB & ECB % Difference 03.49
Croatia Kuna (HRK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.3063
ECB Rate 09.0057
AIB & ECB % Difference 03.34
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.2828
ECB Rate 29.3301
AIB & ECB % Difference 03.25
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.1851
ECB Rate 08.9110
AIB & ECB % Difference 03.08
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 442.8859
ECB Rate 426.4262
AIB & ECB % Difference 03.86
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 181.4793
ECB Rate 176.0310
AIB & ECB % Difference 03.09
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2863
ECB Rate 01.2489
AIB & ECB % Difference 03.00
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.4370
ECB Rate 11.9585
AIB & ECB % Difference 04.00
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.5962
ECB Rate 05.4383
AIB & ECB % Difference 02.90
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1294
ECB Rate 05.9191
AIB & ECB % Difference 03.55
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.7156
ECB Rate 12.2963
AIB & ECB % Difference 03.41

* 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.