Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 30 Nov 2023, 22:26
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1898 01.1578 02.76
Bulgaria Lev (BGN) 02.3359 02.2645 03.15
Czech Republic Koruna (CZK) 28.9447 28.1262 02.91
Denmark Krone (DKK) 08.8706 08.6314 02.77
Hungary Forint (HUF) 452.2296 440.8461 02.58
Iceland Krona (ISK) 179.8058 174.4859 03.05
Liechtenstein Swiss Franc (CHF) 01.1464 01.1071 03.54
Norway Krone (NOK) 13.9468 13.5698 02.78
Poland Zloty (PLN) 05.1717 05.0354 02.71
Romania Leu (RON) 05.9440 05.7565 03.26
Sweden Krona (SEK) 13.5407 13.2350 02.31
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1898
ECB Rate 01.1578
AIB & ECB % Difference 02.76
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3359
ECB Rate 02.2645
AIB & ECB % Difference 03.15
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.9447
ECB Rate 28.1262
AIB & ECB % Difference 02.91
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8706
ECB Rate 08.6314
AIB & ECB % Difference 02.77
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 452.2296
ECB Rate 440.8461
AIB & ECB % Difference 02.58
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 179.8058
ECB Rate 174.4859
AIB & ECB % Difference 03.05
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1464
ECB Rate 01.1071
AIB & ECB % Difference 03.54
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9468
ECB Rate 13.5698
AIB & ECB % Difference 02.78
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.1717
ECB Rate 05.0354
AIB & ECB % Difference 02.71
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.9440
ECB Rate 05.7565
AIB & ECB % Difference 03.26
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.5407
ECB Rate 13.2350
AIB & ECB % Difference 02.31

* 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.