Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 04 Jun 2025, 15:23
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2219 01.1875 02.90
Bulgaria Lev (BGN) 02.3994 02.3225 03.31
Czech Republic Koruna (CZK) 30.4555 29.4597 03.38
Denmark Krone (DKK) 09.1199 08.8587 02.95
Hungary Forint (HUF) 495.7140 479.0999 03.47
Iceland Krona (ISK) 177.3465 171.7136 03.28
Liechtenstein Swiss Franc (CHF) 01.1460 01.1127 02.99
Norway Krone (NOK) 14.1333 13.6783 03.33
Poland Zloty (PLN) 05.2316 05.0861 02.86
Romania Leu (RON) 06.2098 06.0005 03.49
Sweden Krona (SEK) 13.3930 13.0002 03.02
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2219
ECB Rate 01.1875
AIB & ECB % Difference 02.90
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3994
ECB Rate 02.3225
AIB & ECB % Difference 03.31
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.4555
ECB Rate 29.4597
AIB & ECB % Difference 03.38
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.1199
ECB Rate 08.8587
AIB & ECB % Difference 02.95
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 495.7140
ECB Rate 479.0999
AIB & ECB % Difference 03.47
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 177.3465
ECB Rate 171.7136
AIB & ECB % Difference 03.28
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1460
ECB Rate 01.1127
AIB & ECB % Difference 02.99
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.1333
ECB Rate 13.6783
AIB & ECB % Difference 03.33
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.2316
ECB Rate 05.0861
AIB & ECB % Difference 02.86
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.2098
ECB Rate 06.0005
AIB & ECB % Difference 03.49
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3930
ECB Rate 13.0002
AIB & ECB % Difference 03.02

*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