Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 07 Jul 2025, 22:20
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1942 01.1613 02.84
Bulgaria Lev (BGN) 02.3404 02.2713 03.04
Czech Republic Koruna (CZK) 29.4418 28.5971 02.95
Denmark Krone (DKK) 08.9145 08.6638 02.89
Hungary Forint (HUF) 477.6346 464.1737 02.90
Iceland Krona (ISK) 170.1842 165.3699 02.91
Liechtenstein Swiss Franc (CHF) 01.1185 01.0863 02.96
Norway Krone (NOK) 14.1798 13.7911 02.82
Poland Zloty (PLN) 05.0749 04.9347 02.84
Romania Leu (RON) 06.0597 05.8826 03.01
Sweden Krona (SEK) 13.4695 12.9654 03.89
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1942
ECB Rate 01.1613
AIB & ECB % Difference 02.84
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3404
ECB Rate 02.2713
AIB & ECB % Difference 03.04
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.4418
ECB Rate 28.5971
AIB & ECB % Difference 02.95
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9145
ECB Rate 08.6638
AIB & ECB % Difference 02.89
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 477.6346
ECB Rate 464.1737
AIB & ECB % Difference 02.90
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.1842
ECB Rate 165.3699
AIB & ECB % Difference 02.91
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1185
ECB Rate 01.0863
AIB & ECB % Difference 02.96
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.1798
ECB Rate 13.7911
AIB & ECB % Difference 02.82
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0749
ECB Rate 04.9347
AIB & ECB % Difference 02.84
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0597
ECB Rate 05.8826
AIB & ECB % Difference 03.01
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.4695
ECB Rate 12.9654
AIB & ECB % Difference 03.89

*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