Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 17 Nov 2025, 08:17

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1669	01.1305	03.22
Bulgaria	Lev (BGN)	02.2883	02.2109	03.50
Czech Republic	Koruna (CZK)	28.2424	27.3547	03.24
Denmark	Krone (DKK)	08.7159	08.4421	03.24
Hungary	Forint (HUF)	451.0600	435.1119	03.67
Iceland	Krona (ISK)	172.4331	166.6290	03.48
Liechtenstein	Swiss Franc (CHF)	01.0776	01.0383	03.78
Norway	Krone (NOK)	13.7234	13.2585	03.51
Poland	Zloty (PLN)	04.9402	04.7850	03.24
Romania	Leu (RON)	05.9525	05.7485	03.55
Sweden	Krona (SEK)	12.8215	12.4163	03.26

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1669
ECB Rate	01.1305
AIB & ECB % Difference	03.22

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.2883
ECB Rate	02.2109
AIB & ECB % Difference	03.50

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	28.2424
ECB Rate	27.3547
AIB & ECB % Difference	03.24

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.7159
ECB Rate	08.4421
AIB & ECB % Difference	03.24

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	451.0600
ECB Rate	435.1119
AIB & ECB % Difference	03.67

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	172.4331
ECB Rate	166.6290
AIB & ECB % Difference	03.48

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.0776
ECB Rate	01.0383
AIB & ECB % Difference	03.78

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.7234
ECB Rate	13.2585
AIB & ECB % Difference	03.51

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	04.9402
ECB Rate	04.7850
AIB & ECB % Difference	03.24

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	05.9525
ECB Rate	05.7485
AIB & ECB % Difference	03.55

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	12.8215
ECB Rate	12.4163
AIB & ECB % Difference	03.26

* 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.