Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 05 Dec 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)	01.1782	01.1459	02.82
Bulgaria	Lev (BGN)	02.3114	02.2411	03.14
Czech Republic	Koruna (CZK)	28.5462	27.7415	02.90
Denmark	Krone (DKK)	08.7998	08.5584	02.82
Hungary	Forint (HUF)	453.2511	437.4699	03.61
Iceland	Krona (ISK)	176.0650	170.5053	03.26
Liechtenstein	Swiss Franc (CHF)	01.1018	01.0731	02.67
Norway	Krone (NOK)	13.9327	13.4697	03.44
Poland	Zloty (PLN)	04.9869	04.8497	02.83
Romania	Leu (RON)	06.0251	05.8357	03.25
Sweden	Krona (SEK)	12.9201	12.5576	02.89

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1782
ECB Rate	01.1459
AIB & ECB % Difference	02.82

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3114
ECB Rate	02.2411
AIB & ECB % Difference	03.14

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	28.5462
ECB Rate	27.7415
AIB & ECB % Difference	02.90

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.7998
ECB Rate	08.5584
AIB & ECB % Difference	02.82

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	453.2511
ECB Rate	437.4699
AIB & ECB % Difference	03.61

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	176.0650
ECB Rate	170.5053
AIB & ECB % Difference	03.26

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1018
ECB Rate	01.0731
AIB & ECB % Difference	02.67

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.9327
ECB Rate	13.4697
AIB & ECB % Difference	03.44

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	04.9869
ECB Rate	04.8497
AIB & ECB % Difference	02.83

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0251
ECB Rate	05.8357
AIB & ECB % Difference	03.25

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	12.9201
ECB Rate	12.5576
AIB & ECB % Difference	02.89

* 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.