Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 25 Mar 2025, 22:22

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.2313	01.1967	02.89
Bulgaria	Lev (BGN)	02.4194	02.3405	03.37
Czech Republic	Koruna (CZK)	30.7380	29.7780	03.22
Denmark	Krone (DKK)	09.1851	08.9271	02.89
Hungary	Forint (HUF)	493.8702	476.2760	03.69
Iceland	Krona (ISK)	178.1674	172.4406	03.32
Liechtenstein	Swiss Franc (CHF)	01.1752	01.1415	02.95
Norway	Krone (NOK)	14.0668	13.5332	03.94
Poland	Zloty (PLN)	05.1683	04.9823	03.73
Romania	Leu (RON)	06.1583	05.9542	03.43
Sweden	Krona (SEK)	13.5010	12.9211	04.49

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2313
ECB Rate	01.1967
AIB & ECB % Difference	02.89

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.4194
ECB Rate	02.3405
AIB & ECB % Difference	03.37

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	30.7380
ECB Rate	29.7780
AIB & ECB % Difference	03.22

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.1851
ECB Rate	08.9271
AIB & ECB % Difference	02.89

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	493.8702
ECB Rate	476.2760
AIB & ECB % Difference	03.69

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	178.1674
ECB Rate	172.4406
AIB & ECB % Difference	03.32

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1752
ECB Rate	01.1415
AIB & ECB % Difference	02.95

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.0668
ECB Rate	13.5332
AIB & ECB % Difference	03.94

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.1683
ECB Rate	04.9823
AIB & ECB % Difference	03.73

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.1583
ECB Rate	05.9542
AIB & ECB % Difference	03.43

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.5010
ECB Rate	12.9211
AIB & ECB % Difference	04.49

* 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.