Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 27 May 2025, 22:20

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.2261	01.1932	02.76
Bulgaria	Lev (BGN)	02.4160	02.3336	03.53
Czech Republic	Koruna (CZK)	30.5571	29.7184	02.82
Denmark	Krone (DKK)	09.1504	08.9000	02.81
Hungary	Forint (HUF)	498.8079	482.3768	03.41
Iceland	Krona (ISK)	178.2055	171.8172	03.72
Liechtenstein	Swiss Franc (CHF)	01.1467	01.1199	02.39
Norway	Krone (NOK)	14.1405	13.7287	03.00
Poland	Zloty (PLN)	05.2316	05.0680	03.23
Romania	Leu (RON)	06.2616	06.0384	03.70
Sweden	Krona (SEK)	13.3244	12.9800	02.65

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2261
ECB Rate	01.1932
AIB & ECB % Difference	02.76

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.4160
ECB Rate	02.3336
AIB & ECB % Difference	03.53

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	30.5571
ECB Rate	29.7184
AIB & ECB % Difference	02.82

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.1504
ECB Rate	08.9000
AIB & ECB % Difference	02.81

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	498.8079
ECB Rate	482.3768
AIB & ECB % Difference	03.41

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	178.2055
ECB Rate	171.8172
AIB & ECB % Difference	03.72

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1467
ECB Rate	01.1199
AIB & ECB % Difference	02.39

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.1405
ECB Rate	13.7287
AIB & ECB % Difference	03.00

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.2316
ECB Rate	05.0680
AIB & ECB % Difference	03.23

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.2616
ECB Rate	06.0384
AIB & ECB % Difference	03.70

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.3244
ECB Rate	12.9800
AIB & ECB % Difference	02.65

* 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.