Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 13 May 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) 01.2224 01.1896 02.76
Bulgaria Lev (BGN) 02.4181 02.3267 03.93
Czech Republic Koruna (CZK) 30.5799 29.6788 03.04
Denmark Krone (DKK) 09.1198 08.8740 02.77
Hungary Forint (HUF) 502.0359 481.5965 04.24
Iceland Krona (ISK) 181.1522 174.5182 03.80
Liechtenstein Swiss Franc (CHF) 01.1470 01.1133 03.03
Norway Krone (NOK) 14.2295 13.7679 03.35
Poland Zloty (PLN) 05.1906 05.0581 02.62
Romania Leu (RON) 06.3156 06.0707 04.04
Sweden Krona (SEK) 13.3458 12.8783 03.63
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2224
ECB Rate 01.1896
AIB & ECB % Difference 02.76
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.4181
ECB Rate 02.3267
AIB & ECB % Difference 03.93
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.5799
ECB Rate 29.6788
AIB & ECB % Difference 03.04
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.1198
ECB Rate 08.8740
AIB & ECB % Difference 02.77
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 502.0359
ECB Rate 481.5965
AIB & ECB % Difference 04.24
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 181.1522
ECB Rate 174.5182
AIB & ECB % Difference 03.80
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1470
ECB Rate 01.1133
AIB & ECB % Difference 03.03
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.2295
ECB Rate 13.7679
AIB & ECB % Difference 03.35
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1906
ECB Rate 05.0581
AIB & ECB % Difference 02.62
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.3156
ECB Rate 06.0707
AIB & ECB % Difference 04.04
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3458
ECB Rate 12.8783
AIB & ECB % Difference 03.63

*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