Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 28 Aug 2025, 15:21

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1935	01.1578	03.08
Bulgaria	Lev (BGN)	02.3451	02.2644	03.56
Czech Republic	Koruna (CZK)	29.3227	28.4323	03.13
Denmark	Krone (DKK)	08.9108	08.6428	03.10
Hungary	Forint (HUF)	476.4864	459.2220	03.76
Iceland	Krona (ISK)	171.0402	165.5667	03.31
Liechtenstein	Swiss Franc (CHF)	01.1172	01.0829	03.17
Norway	Krone (NOK)	14.0831	13.6019	03.54
Poland	Zloty (PLN)	05.1012	04.9344	03.38
Romania	Leu (RON)	06.0763	05.8681	03.55
Sweden	Krona (SEK)	13.2742	12.8210	03.53

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1935
ECB Rate	01.1578
AIB & ECB % Difference	03.08

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3451
ECB Rate	02.2644
AIB & ECB % Difference	03.56

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.3227
ECB Rate	28.4323
AIB & ECB % Difference	03.13

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.9108
ECB Rate	08.6428
AIB & ECB % Difference	03.10

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	476.4864
ECB Rate	459.2220
AIB & ECB % Difference	03.76

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	171.0402
ECB Rate	165.5667
AIB & ECB % Difference	03.31

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1172
ECB Rate	01.0829
AIB & ECB % Difference	03.17

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.0831
ECB Rate	13.6019
AIB & ECB % Difference	03.54

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.1012
ECB Rate	04.9344
AIB & ECB % Difference	03.38

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0763
ECB Rate	05.8681
AIB & ECB % Difference	03.55

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.2742
ECB Rate	12.8210
AIB & ECB % Difference	03.53

* 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.