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Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 19 Nov 2025, 15:20
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1676 01.1329 03.06
Bulgaria Lev (BGN) 02.2893 02.2157 03.32
Czech Republic Koruna (CZK) 28.2771 27.3694 03.32
Denmark Krone (DKK) 08.7233 08.4617 03.09
Hungary Forint (HUF) 450.5158 433.1370 04.01
Iceland Krona (ISK) 171.8941 166.3306 03.34
Liechtenstein Swiss Franc (CHF) 01.0818 01.0518 02.86
Norway Krone (NOK) 13.7367 13.3092 03.21
Poland Zloty (PLN) 04.9525 04.7902 03.39
Romania Leu (RON) 05.9585 05.7640 03.37
Sweden Krona (SEK) 12.8364 12.4527 03.08
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1676
ECB Rate 01.1329
AIB & ECB % Difference 03.06
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.2893
ECB Rate 02.2157
AIB & ECB % Difference 03.32
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.2771
ECB Rate 27.3694
AIB & ECB % Difference 03.32
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7233
ECB Rate 08.4617
AIB & ECB % Difference 03.09
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 450.5158
ECB Rate 433.1370
AIB & ECB % Difference 04.01
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 171.8941
ECB Rate 166.3306
AIB & ECB % Difference 03.34
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0818
ECB Rate 01.0518
AIB & ECB % Difference 02.86
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.7367
ECB Rate 13.3092
AIB & ECB % Difference 03.21
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9525
ECB Rate 04.7902
AIB & ECB % Difference 03.39
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.9585
ECB Rate 05.7640
AIB & ECB % Difference 03.37
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.8364
ECB Rate 12.4527
AIB & ECB % Difference 03.08

*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.