Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 17 Oct 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) 01.1861 01.1501 03.14
Bulgaria Lev (BGN) 02.3235 02.2493 03.30
Czech Republic Koruna (CZK) 28.8414 27.9563 03.17
Denmark Krone (DKK) 08.8576 08.5900 03.12
Hungary Forint (HUF) 464.9964 448.2231 03.74
Iceland Krona (ISK) 168.0388 163.3122 02.89
Liechtenstein Swiss Franc (CHF) 01.1029 01.0646 03.60
Norway Krone (NOK) 13.9800 13.4897 03.63
Poland Zloty (PLN) 05.0453 04.8821 03.34
Romania Leu (RON) 06.0512 05.8524 03.40
Sweden Krona (SEK) 13.0841 12.6855 03.14
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1861
ECB Rate 01.1501
AIB & ECB % Difference 03.14
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3235
ECB Rate 02.2493
AIB & ECB % Difference 03.30
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.8414
ECB Rate 27.9563
AIB & ECB % Difference 03.17
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8576
ECB Rate 08.5900
AIB & ECB % Difference 03.12
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 464.9964
ECB Rate 448.2231
AIB & ECB % Difference 03.74
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.0388
ECB Rate 163.3122
AIB & ECB % Difference 02.89
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1029
ECB Rate 01.0646
AIB & ECB % Difference 03.60
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9800
ECB Rate 13.4897
AIB & ECB % Difference 03.63
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0453
ECB Rate 04.8821
AIB & ECB % Difference 03.34
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0512
ECB Rate 05.8524
AIB & ECB % Difference 03.40
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.0841
ECB Rate 12.6855
AIB & ECB % Difference 03.14

*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