Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 08 Jul 2025, 15:20

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1953	01.1585	03.18
Bulgaria	Lev (BGN)	02.3535	02.2658	03.87
Czech Republic	Koruna (CZK)	29.4610	28.5542	03.18
Denmark	Krone (DKK)	08.9227	08.6433	03.23
Hungary	Forint (HUF)	481.9163	462.7549	04.14
Iceland	Krona (ISK)	171.0122	165.1993	03.52
Liechtenstein	Swiss Franc (CHF)	01.1191	01.0833	03.30
Norway	Krone (NOK)	14.2066	13.7042	03.67
Poland	Zloty (PLN)	05.0842	04.9164	03.41
Romania	Leu (RON)	06.0980	05.8721	03.85
Sweden	Krona (SEK)	13.4512	12.9396	03.95

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1953
ECB Rate	01.1585
AIB & ECB % Difference	03.18

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3535
ECB Rate	02.2658
AIB & ECB % Difference	03.87

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.4610
ECB Rate	28.5542
AIB & ECB % Difference	03.18

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.9227
ECB Rate	08.6433
AIB & ECB % Difference	03.23

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	481.9163
ECB Rate	462.7549
AIB & ECB % Difference	04.14

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	171.0122
ECB Rate	165.1993
AIB & ECB % Difference	03.52

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1191
ECB Rate	01.0833
AIB & ECB % Difference	03.30

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.2066
ECB Rate	13.7042
AIB & ECB % Difference	03.67

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0842
ECB Rate	04.9164
AIB & ECB % Difference	03.41

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0980
ECB Rate	05.8721
AIB & ECB % Difference	03.85

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.4512
ECB Rate	12.9396
AIB & ECB % Difference	03.95

* 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.