Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 07 Oct 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) 01.1845 01.1490 03.09
Bulgaria Lev (BGN) 02.3279 02.2473 03.59
Czech Republic Koruna (CZK) 28.8200 27.9421 03.14
Denmark Krone (DKK) 08.8462 08.5789 03.12
Hungary Forint (HUF) 463.5227 450.1321 02.97
Iceland Krona (ISK) 168.0585 162.7025 03.29
Liechtenstein Swiss Franc (CHF) 01.1041 01.0702 03.17
Norway Krone (NOK) 13.8854 13.3316 04.15
Poland Zloty (PLN) 05.0392 04.8874 03.11
Romania Leu (RON) 06.0625 05.8507 03.62
Sweden Krona (SEK) 13.0171 12.5813 03.46
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1845
ECB Rate 01.1490
AIB & ECB % Difference 03.09
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3279
ECB Rate 02.2473
AIB & ECB % Difference 03.59
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.8200
ECB Rate 27.9421
AIB & ECB % Difference 03.14
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8462
ECB Rate 08.5789
AIB & ECB % Difference 03.12
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 463.5227
ECB Rate 450.1321
AIB & ECB % Difference 02.97
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 168.0585
ECB Rate 162.7025
AIB & ECB % Difference 03.29
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1041
ECB Rate 01.0702
AIB & ECB % Difference 03.17
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.8854
ECB Rate 13.3316
AIB & ECB % Difference 04.15
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0392
ECB Rate 04.8874
AIB & ECB % Difference 03.11
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0625
ECB Rate 05.8507
AIB & ECB % Difference 03.62
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.0171
ECB Rate 12.5813
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.