Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 18 Apr 2024, 01:52
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2058 01.1710 02.98
Bulgaria Lev (BGN) 02.3661 02.2902 03.32
Czech Republic Koruna (CZK) 30.4280 29.5410 03.00
Denmark Krone (DKK) 08.9970 08.7367 02.98
Hungary Forint (HUF) 478.4832 460.1874 03.98
Iceland Krona (ISK) 181.3797 176.2295 02.92
Liechtenstein Swiss Franc (CHF) 01.1687 01.1350 02.97
Norway Krone (NOK) 14.1311 13.6956 03.18
Poland Zloty (PLN) 05.2664 05.0946 03.37
Romania Leu (RON) 06.0251 05.8265 03.41
Sweden Krona (SEK) 14.0752 13.6760 02.92
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2058
ECB Rate 01.1710
AIB & ECB % Difference 02.98
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3661
ECB Rate 02.2902
AIB & ECB % Difference 03.32
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.4280
ECB Rate 29.5410
AIB & ECB % Difference 03.00
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.9970
ECB Rate 08.7367
AIB & ECB % Difference 02.98
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 478.4832
ECB Rate 460.1874
AIB & ECB % Difference 03.98
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 181.3797
ECB Rate 176.2295
AIB & ECB % Difference 02.92
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1687
ECB Rate 01.1350
AIB & ECB % Difference 02.97
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.1311
ECB Rate 13.6956
AIB & ECB % Difference 03.18
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.2664
ECB Rate 05.0946
AIB & ECB % Difference 03.37
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0251
ECB Rate 05.8265
AIB & ECB % Difference 03.41
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.0752
ECB Rate 13.6760
AIB & ECB % Difference 02.92

* AIB rate is the Visa rate plus the currency conversion fee.

Currency Conversion Fees:

We apply the following fees when you use your Debit card to complete a transaction in a foreign currency.

Transaction Type 

Cash Withdrawals 

Using your Visa Debit Card to buy goods and services
and withdraw money over the counter
(known as a ‘manual cash advance') in a foreign currency

Currency Conversion Fee 

 2.75% On The Sterling Amount*

 2.75% On The Sterling Amount**

* If you are withdrawing a currency other than euro, you will also have to pay a separate 1.5% cash handling fee on the sterling amount.

** For manual cash advances (including pounds sterling), we will charge you a separate 1.5% cash handling fee on the sterling amount.

Key Information:

  • All foreign exchange rates in the above table are updated twice daily, on any business day

  • In addition to the fees above, account transaction fees may also apply

  • When you use your Debit 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.