Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 17 Jun 2025, 22:22
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2105 01.1730 03.20
Bulgaria Lev (BGN) 02.3766 02.2942 03.59
Czech Republic Koruna (CZK) 29.9464 29.0909 02.94
Denmark Krone (DKK) 09.0208 08.7490 03.11
Hungary Forint (HUF) 489.5900 472.5279 03.61
Iceland Krona (ISK) 173.6507 168.4457 03.09
Liechtenstein Swiss Franc (CHF) 01.1375 01.1033 03.10
Norway Krone (NOK) 13.9113 13.3930 03.87
Poland Zloty (PLN) 05.1694 05.0179 03.02
Romania Leu (RON) 06.1029 05.8979 03.48
Sweden Krona (SEK) 13.2844 12.8422 03.44
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2105
ECB Rate 01.1730
AIB & ECB % Difference 03.20
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3766
ECB Rate 02.2942
AIB & ECB % Difference 03.59
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.9464
ECB Rate 29.0909
AIB & ECB % Difference 02.94
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.0208
ECB Rate 08.7490
AIB & ECB % Difference 03.11
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 489.5900
ECB Rate 472.5279
AIB & ECB % Difference 03.61
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 173.6507
ECB Rate 168.4457
AIB & ECB % Difference 03.09
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1375
ECB Rate 01.1033
AIB & ECB % Difference 03.10
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9113
ECB Rate 13.3930
AIB & ECB % Difference 03.87
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1694
ECB Rate 05.0179
AIB & ECB % Difference 03.02
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1029
ECB Rate 05.8979
AIB & ECB % Difference 03.48
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.2844
ECB Rate 12.8422
AIB & ECB % Difference 03.44

*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