Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 23 Apr 2025, 22:24
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1999 01.1656 02.94
Bulgaria Lev (BGN) 02.3638 02.2797 03.69
Czech Republic Koruna (CZK) 30.1278 29.1574 03.33
Denmark Krone (DKK) 08.9624 08.7021 02.99
Hungary Forint (HUF) 494.7553 476.7638 03.77
Iceland Krona (ISK) 174.4387 168.8949 03.28
Liechtenstein Swiss Franc (CHF) 01.1232 01.0936 02.71
Norway Krone (NOK) 14.3300 13.8601 03.39
Poland Zloty (PLN) 05.1534 05.0022 03.02
Romania Leu (RON) 06.0213 05.8014 03.79
Sweden Krona (SEK) 13.1950 12.7510 03.48
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1999
ECB Rate 01.1656
AIB & ECB % Difference 02.94
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3638
ECB Rate 02.2797
AIB & ECB % Difference 03.69
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.1278
ECB Rate 29.1574
AIB & ECB % Difference 03.33
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9624
ECB Rate 08.7021
AIB & ECB % Difference 02.99
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 494.7553
ECB Rate 476.7638
AIB & ECB % Difference 03.77
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 174.4387
ECB Rate 168.8949
AIB & ECB % Difference 03.28
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1232
ECB Rate 01.0936
AIB & ECB % Difference 02.71
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.3300
ECB Rate 13.8601
AIB & ECB % Difference 03.39
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1534
ECB Rate 05.0022
AIB & ECB % Difference 03.02
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0213
ECB Rate 05.8014
AIB & ECB % Difference 03.79
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.1950
ECB Rate 12.7510
AIB & ECB % Difference 03.48

*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