Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 20 Dec 2024, 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)	01.2504	01.2053	03.74
Bulgaria	Lev (BGN)	02.4610	02.3574	04.40
Czech Republic	Koruna (CZK)	31.4331	30.2790	03.81
Denmark	Krone (DKK)	09.3269	08.9934	03.71
Hungary	Forint (HUF)	522.6887	499.2226	04.70
Iceland	Krona (ISK)	181.5548	174.4109	04.10
Liechtenstein	Swiss Franc (CHF)	01.1684	01.1206	04.27
Norway	Krone (NOK)	14.7866	14.3054	03.36
Poland	Zloty (PLN)	05.3373	05.1375	03.89
Romania	Leu (RON)	06.2645	05.9980	04.44
Sweden	Krona (SEK)	14.4220	13.8323	04.26

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2504
ECB Rate	01.2053
AIB & ECB % Difference	03.74

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.4610
ECB Rate	02.3574
AIB & ECB % Difference	04.40

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	31.4331
ECB Rate	30.2790
AIB & ECB % Difference	03.81

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.3269
ECB Rate	08.9934
AIB & ECB % Difference	03.71

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	522.6887
ECB Rate	499.2226
AIB & ECB % Difference	04.70

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	181.5548
ECB Rate	174.4109
AIB & ECB % Difference	04.10

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1684
ECB Rate	01.1206
AIB & ECB % Difference	04.27

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.7866
ECB Rate	14.3054
AIB & ECB % Difference	03.36

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.3373
ECB Rate	05.1375
AIB & ECB % Difference	03.89

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.2645
ECB Rate	05.9980
AIB & ECB % Difference	04.44

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.4220
ECB Rate	13.8323
AIB & ECB % Difference	04.26

* 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.