Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 05 May 2025, 22:21

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.2110	01.1744	03.11
Bulgaria	Lev (BGN)	02.3772	02.2969	03.50
Czech Republic	Koruna (CZK)	30.3221	29.2484	03.67
Denmark	Krone (DKK)	09.0431	08.7636	03.19
Hungary	Forint (HUF)	492.2509	474.9618	03.64
Iceland	Krona (ISK)	176.7250	172.2842	02.58
Liechtenstein	Swiss Franc (CHF)	01.1405	01.0964	04.02
Norway	Krone (NOK)	14.3104	13.8444	03.37
Poland	Zloty (PLN)	05.2085	05.0186	03.79
Romania	Leu (RON)	06.0642	05.8467	03.72
Sweden	Krona (SEK)	13.3671	12.8426	04.08

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2110
ECB Rate	01.1744
AIB & ECB % Difference	03.11

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3772
ECB Rate	02.2969
AIB & ECB % Difference	03.50

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	30.3221
ECB Rate	29.2484
AIB & ECB % Difference	03.67

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.0431
ECB Rate	08.7636
AIB & ECB % Difference	03.19

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	492.2509
ECB Rate	474.9618
AIB & ECB % Difference	03.64

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	176.7250
ECB Rate	172.2842
AIB & ECB % Difference	02.58

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1405
ECB Rate	01.0964
AIB & ECB % Difference	04.02

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.3104
ECB Rate	13.8444
AIB & ECB % Difference	03.37

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.2085
ECB Rate	05.0186
AIB & ECB % Difference	03.79

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0642
ECB Rate	05.8467
AIB & ECB % Difference	03.72

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.3671
ECB Rate	12.8426
AIB & ECB % Difference	04.08

* 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.

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.