Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 18 Nov 2025, 15:20
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1685 01.1337 03.08
Bulgaria Lev (BGN) 02.2900 02.2172 03.28
Czech Republic Koruna (CZK) 28.2779 27.4209 03.13
Denmark Krone (DKK) 08.7286 08.4666 03.09
Hungary Forint (HUF) 450.8121 436.4131 03.30
Iceland Krona (ISK) 172.0074 166.8745 03.08
Liechtenstein Swiss Franc (CHF) 01.0788 01.0467 03.06
Norway Krone (NOK) 13.7137 13.3016 03.10
Poland Zloty (PLN) 04.9452 04.8112 02.79
Romania Leu (RON) 05.9596 05.7669 03.34
Sweden Krona (SEK) 12.8196 12.4668 02.83
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1685
ECB Rate 01.1337
AIB & ECB % Difference 03.08
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.2900
ECB Rate 02.2172
AIB & ECB % Difference 03.28
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.2779
ECB Rate 27.4209
AIB & ECB % Difference 03.13
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7286
ECB Rate 08.4666
AIB & ECB % Difference 03.09
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 450.8121
ECB Rate 436.4131
AIB & ECB % Difference 03.30
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 172.0074
ECB Rate 166.8745
AIB & ECB % Difference 03.08
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0788
ECB Rate 01.0467
AIB & ECB % Difference 03.06
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.7137
ECB Rate 13.3016
AIB & ECB % Difference 03.10
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9452
ECB Rate 04.8112
AIB & ECB % Difference 02.79
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.9596
ECB Rate 05.7669
AIB & ECB % Difference 03.34
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8196
ECB Rate 12.4668
AIB & ECB % Difference 02.83

*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