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Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 09 Dec 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) 01.1787 01.1448 02.96
Bulgaria Lev (BGN) 02.3098 02.2390 03.16
Czech Republic Koruna (CZK) 28.6363 27.7928 03.03
Denmark Krone (DKK) 08.8011 08.5505 02.93
Hungary Forint (HUF) 454.6806 439.4390 03.47
Iceland Krona (ISK) 175.7848 170.3492 03.19
Liechtenstein Swiss Franc (CHF) 01.1059 01.0744 02.93
Norway Krone (NOK) 13.9090 13.4911 03.10
Poland Zloty (PLN) 04.9940 04.8429 03.12
Romania Leu (RON) 06.0143 05.8268 03.22
Sweden Krona (SEK) 12.9117 12.4803 03.46
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1787
ECB Rate 01.1448
AIB & ECB % Difference 02.96
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3098
ECB Rate 02.2390
AIB & ECB % Difference 03.16
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.6363
ECB Rate 27.7928
AIB & ECB % Difference 03.03
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8011
ECB Rate 08.5505
AIB & ECB % Difference 02.93
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 454.6806
ECB Rate 439.4390
AIB & ECB % Difference 03.47
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 175.7848
ECB Rate 170.3492
AIB & ECB % Difference 03.19
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1059
ECB Rate 01.0744
AIB & ECB % Difference 02.93
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9090
ECB Rate 13.4911
AIB & ECB % Difference 03.10
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9940
ECB Rate 04.8429
AIB & ECB % Difference 03.12
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0143
ECB Rate 05.8268
AIB & ECB % Difference 03.22
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.9117
ECB Rate 12.4803
AIB & ECB % Difference 03.46

*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.