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Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 17 Sep 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) 01.1887 01.1527 03.12
Bulgaria Lev (BGN) 02.3378 02.2545 03.69
Czech Republic Koruna (CZK) 28.9717 28.0392 03.33
Denmark Krone (DKK) 08.8814 08.6044 03.22
Hungary Forint (HUF) 466.7533 449.5101 03.84
Iceland Krona (ISK) 170.1706 164.6110 03.38
Liechtenstein Swiss Franc (CHF) 01.1125 01.0740 03.59
Norway Krone (NOK) 13.8031 13.4017 02.99
Poland Zloty (PLN) 05.0597 04.9020 03.22
Romania Leu (RON) 06.0580 05.8407 03.72
Sweden Krona (SEK) 12.9930 12.6380 02.81
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1887
ECB Rate 01.1527
AIB & ECB % Difference 03.12
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3378
ECB Rate 02.2545
AIB & ECB % Difference 03.69
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.9717
ECB Rate 28.0392
AIB & ECB % Difference 03.33
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8814
ECB Rate 08.6044
AIB & ECB % Difference 03.22
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 466.7533
ECB Rate 449.5101
AIB & ECB % Difference 03.84
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 170.1706
ECB Rate 164.6110
AIB & ECB % Difference 03.38
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1125
ECB Rate 01.0740
AIB & ECB % Difference 03.59
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.8031
ECB Rate 13.4017
AIB & ECB % Difference 02.99
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.0597
ECB Rate 04.9020
AIB & ECB % Difference 03.22
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0580
ECB Rate 05.8407
AIB & ECB % Difference 03.72
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.9930
ECB Rate 12.6380
AIB & ECB % Difference 02.81

*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.