Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 24 Jun 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) 01.2035 01.1727 02.62
Bulgaria Lev (BGN) 02.3752 02.2937 03.55
Czech Republic Koruna (CZK) 29.8860 29.0770 02.78
Denmark Krone (DKK) 08.9760 08.7483 02.60
Hungary Forint (HUF) 491.0681 471.5961 04.13
Iceland Krona (ISK) 171.7968 166.7644 03.02
Liechtenstein Swiss Franc (CHF) 01.1332 01.1009 02.93
Norway Krone (NOK) 14.0525 13.7364 02.30
Poland Zloty (PLN) 05.1513 04.9886 03.26
Romania Leu (RON) 06.1339 05.9208 03.60
Sweden Krona (SEK) 13.4265 12.9741 03.49
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2035
ECB Rate 01.1727
AIB & ECB % Difference 02.62
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3752
ECB Rate 02.2937
AIB & ECB % Difference 03.55
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.8860
ECB Rate 29.0770
AIB & ECB % Difference 02.78
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9760
ECB Rate 08.7483
AIB & ECB % Difference 02.60
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 491.0681
ECB Rate 471.5961
AIB & ECB % Difference 04.13
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 171.7968
ECB Rate 166.7644
AIB & ECB % Difference 03.02
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1332
ECB Rate 01.1009
AIB & ECB % Difference 02.93
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.0525
ECB Rate 13.7364
AIB & ECB % Difference 02.30
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1513
ECB Rate 04.9886
AIB & ECB % Difference 03.26
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1339
ECB Rate 05.9208
AIB & ECB % Difference 03.60
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.4265
ECB Rate 12.9741
AIB & ECB % Difference 03.49

*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