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.

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.