Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 22 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) 01.1882 01.1527 03.08
Bulgaria Lev (BGN) 02.3384 02.2545 03.72
Czech Republic Koruna (CZK) 29.3003 28.3793 03.25
Denmark Krone (DKK) 08.8851 08.6052 03.25
Hungary Forint (HUF) 477.8315 460.1729 03.84
Iceland Krona (ISK) 169.0713 164.1499 03.00
Liechtenstein Swiss Franc (CHF) 01.1088 01.0750 03.14
Norway Krone (NOK) 14.1384 13.6997 03.20
Poland Zloty (PLN) 05.0657 04.9066 03.24
Romania Leu (RON) 06.0773 05.8443 03.99
Sweden Krona (SEK) 13.4105 12.9233 03.77
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1882
ECB Rate 01.1527
AIB & ECB % Difference 03.08
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3384
ECB Rate 02.2545
AIB & ECB % Difference 03.72
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.3003
ECB Rate 28.3793
AIB & ECB % Difference 03.25
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8851
ECB Rate 08.6052
AIB & ECB % Difference 03.25
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 477.8315
ECB Rate 460.1729
AIB & ECB % Difference 03.84
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 169.0713
ECB Rate 164.1499
AIB & ECB % Difference 03.00
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1088
ECB Rate 01.0750
AIB & ECB % Difference 03.14
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.1384
ECB Rate 13.6997
AIB & ECB % Difference 03.20
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0657
ECB Rate 04.9066
AIB & ECB % Difference 03.24
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0773
ECB Rate 05.8443
AIB & ECB % Difference 03.99
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.4105
ECB Rate 12.9233
AIB & ECB % Difference 03.77

*AIB rate is the Visa rate plus the currency conversion fee

Currency Conversion Fees:

We apply the following fee when you use your Credit card to complete a transaction in a foreign currency.
 
Currency Conversion Fee 2.75% of the value of the transaction

 

Key Information:

  • All foreign exchange rates in the above table are updated twice daily, on any business day

  • When you use your Credit 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.