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Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 01 Sep 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) 01.1900 01.1545 03.07
Bulgaria Lev (BGN) 02.3329 02.2579 03.32
Czech Republic Koruna (CZK) 29.2259 28.2071 03.61
Denmark Krone (DKK) 08.8945 08.6168 03.22
Hungary Forint (HUF) 473.9535 456.1879 03.89
Iceland Krona (ISK) 170.2399 165.5507 02.83
Liechtenstein Swiss Franc (CHF) 01.1166 01.0832 03.08
Norway Krone (NOK) 14.0383 13.5436 03.65
Poland Zloty (PLN) 05.0802 04.9126 03.41
Romania Leu (RON) 06.0616 05.8574 03.49
Sweden Krona (SEK) 13.2213 12.7130 04.00
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1900
ECB Rate 01.1545
AIB & ECB % Difference 03.07
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3329
ECB Rate 02.2579
AIB & ECB % Difference 03.32
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 29.2259
ECB Rate 28.2071
AIB & ECB % Difference 03.61
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8945
ECB Rate 08.6168
AIB & ECB % Difference 03.22
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 473.9535
ECB Rate 456.1879
AIB & ECB % Difference 03.89
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.2399
ECB Rate 165.5507
AIB & ECB % Difference 02.83
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1166
ECB Rate 01.0832
AIB & ECB % Difference 03.08
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.0383
ECB Rate 13.5436
AIB & ECB % Difference 03.65
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0802
ECB Rate 04.9126
AIB & ECB % Difference 03.41
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0616
ECB Rate 05.8574
AIB & ECB % Difference 03.49
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.2213
ECB Rate 12.7130
AIB & ECB % Difference 04.00

*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.