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.

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.