Find a branch

Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 20 Nov 2024, 22:22
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2332 01.1993 02.82
Bulgaria Lev (BGN) 02.4259 02.3456 03.42
Czech Republic Koruna (CZK) 31.2570 30.3262 03.07
Denmark Krone (DKK) 09.2005 08.9460 02.84
Hungary Forint (HUF) 505.8813 491.2449 02.98
Iceland Krona (ISK) 179.7174 174.5023 02.99
Liechtenstein Swiss Franc (CHF) 01.1543 01.1204 03.02
Norway Krone (NOK) 14.3991 13.9650 03.11
Poland Zloty (PLN) 05.3495 05.1941 02.99
Romania Leu (RON) 06.1770 05.9685 03.49
Sweden Krona (SEK) 14.2779 13.9182 02.58
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2332
ECB Rate 01.1993
AIB & ECB % Difference 02.82
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.4259
ECB Rate 02.3456
AIB & ECB % Difference 03.42
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 31.2570
ECB Rate 30.3262
AIB & ECB % Difference 03.07
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.2005
ECB Rate 08.9460
AIB & ECB % Difference 02.84
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 505.8813
ECB Rate 491.2449
AIB & ECB % Difference 02.98
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 179.7174
ECB Rate 174.5023
AIB & ECB % Difference 02.99
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1543
ECB Rate 01.1204
AIB & ECB % Difference 03.02
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.3991
ECB Rate 13.9650
AIB & ECB % Difference 03.11
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.3495
ECB Rate 05.1941
AIB & ECB % Difference 02.99
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1770
ECB Rate 05.9685
AIB & ECB % Difference 03.49
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.2779
ECB Rate 13.9182
AIB & ECB % Difference 02.58

* 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.