Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 10 Jul 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)	01.1940	01.1592	03.01
Bulgaria	Lev (BGN)	02.3421	02.2671	03.31
Czech Republic	Koruna (CZK)	29.4374	28.5603	03.07
Denmark	Krone (DKK)	08.9119	08.6485	03.05
Hungary	Forint (HUF)	479.7539	462.4203	03.75
Iceland	Krona (ISK)	171.5968	165.7587	03.52
Liechtenstein	Swiss Franc (CHF)	01.1155	01.0803	03.25
Norway	Krone (NOK)	14.1521	13.6815	03.44
Poland	Zloty (PLN)	05.0728	04.9235	03.03
Romania	Leu (RON)	06.0939	05.8856	03.54
Sweden	Krona (SEK)	13.3556	12.9269	03.32

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1940
ECB Rate	01.1592
AIB & ECB % Difference	03.01

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3421
ECB Rate	02.2671
AIB & ECB % Difference	03.31

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.4374
ECB Rate	28.5603
AIB & ECB % Difference	03.07

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.9119
ECB Rate	08.6485
AIB & ECB % Difference	03.05

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	479.7539
ECB Rate	462.4203
AIB & ECB % Difference	03.75

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	171.5968
ECB Rate	165.7587
AIB & ECB % Difference	03.52

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1155
ECB Rate	01.0803
AIB & ECB % Difference	03.25

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.1521
ECB Rate	13.6815
AIB & ECB % Difference	03.44

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0728
ECB Rate	04.9235
AIB & ECB % Difference	03.03

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0939
ECB Rate	05.8856
AIB & ECB % Difference	03.54

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.3556
ECB Rate	12.9269
AIB & ECB % Difference	03.32

* 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.

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.