Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 28 Oct 2025, 21:25
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1789 01.1416 03.27
Bulgaria Lev (BGN) 02.3108 02.2326 03.50
Czech Republic Koruna (CZK) 28.6920 27.7945 03.23
Denmark Krone (DKK) 08.8032 08.5266 03.24
Hungary Forint (HUF) 461.4793 443.2648 04.11
Iceland Krona (ISK) 168.7952 163.2420 03.40
Liechtenstein Swiss Franc (CHF) 01.0929 01.0573 03.36
Norway Krone (NOK) 13.7460 13.2803 03.51
Poland Zloty (PLN) 05.0076 04.8373 03.52
Romania Leu (RON) 06.0133 05.8031 03.62
Sweden Krona (SEK) 12.8937 12.4669 03.42
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1789
ECB Rate 01.1416
AIB & ECB % Difference 03.27
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3108
ECB Rate 02.2326
AIB & ECB % Difference 03.50
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.6920
ECB Rate 27.7945
AIB & ECB % Difference 03.23
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8032
ECB Rate 08.5266
AIB & ECB % Difference 03.24
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 461.4793
ECB Rate 443.2648
AIB & ECB % Difference 04.11
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.7952
ECB Rate 163.2420
AIB & ECB % Difference 03.40
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0929
ECB Rate 01.0573
AIB & ECB % Difference 03.36
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.7460
ECB Rate 13.2803
AIB & ECB % Difference 03.51
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0076
ECB Rate 04.8373
AIB & ECB % Difference 03.52
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0133
ECB Rate 05.8031
AIB & ECB % Difference 03.62
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8937
ECB Rate 12.4669
AIB & ECB % Difference 03.42

*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.