Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 07 Aug 2025, 22:27
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1816 01.1530 02.48
Bulgaria Lev (BGN) 02.3240 02.2550 03.06
Czech Republic Koruna (CZK) 29.0867 28.2751 02.87
Denmark Krone (DKK) 08.8200 08.6064 02.48
Hungary Forint (HUF) 473.6625 457.3619 03.56
Iceland Krona (ISK) 168.6962 164.6489 02.46
Liechtenstein Swiss Franc (CHF) 01.1084 01.0853 02.13
Norway Krone (NOK) 14.0554 13.7096 02.52
Poland Zloty (PLN) 05.0659 04.9110 03.15
Romania Leu (RON) 06.0363 05.8494 03.19
Sweden Krona (SEK) 13.2379 12.9073 02.56
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1816
ECB Rate 01.1530
AIB & ECB % Difference 02.48
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3240
ECB Rate 02.2550
AIB & ECB % Difference 03.06
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.0867
ECB Rate 28.2751
AIB & ECB % Difference 02.87
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8200
ECB Rate 08.6064
AIB & ECB % Difference 02.48
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 473.6625
ECB Rate 457.3619
AIB & ECB % Difference 03.56
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.6962
ECB Rate 164.6489
AIB & ECB % Difference 02.46
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1084
ECB Rate 01.0853
AIB & ECB % Difference 02.13
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.0554
ECB Rate 13.7096
AIB & ECB % Difference 02.52
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0659
ECB Rate 04.9110
AIB & ECB % Difference 03.15
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0363
ECB Rate 05.8494
AIB & ECB % Difference 03.19
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.2379
ECB Rate 12.9073
AIB & ECB % Difference 02.56

*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