Exchange rates for EU/EEA currencies on Debit cards

Conversion Rates
Last Updated: 20 Jan 2022, 00:15
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2360 01.2024 02.79
Bulgaria Lev (BGN) 02.4242 02.3516 03.09
Croatia Kuna (HRK) 09.3013 09.0465 02.82
Czech Republic Koruna (CZK) 30.2407 29.2336 03.44
Denmark Krone (DKK) 09.1992 08.9480 02.81
Hungary Forint (HUF) 444.3180 427.9050 03.84
Iceland Krona (ISK) 179.9717 174.5864 03.08
Liechtenstein Swiss Franc (CHF) 01.2849 01.2484 02.92
Norway Krone (NOK) 12.3688 11.9479 03.52
Poland Zloty (PLN) 05.6074 05.4383 03.11
Romania Leu (RON) 06.1326 05.9457 03.14
Sweden Krona (SEK) 12.7941 12.4360 02.88
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2360
ECB Rate 01.2024
AIB & ECB % Difference 02.79
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.4242
ECB Rate 02.3516
AIB & ECB % Difference 03.09
Croatia Kuna (HRK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.3013
ECB Rate 09.0465
AIB & ECB % Difference 02.82
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.2407
ECB Rate 29.2336
AIB & ECB % Difference 03.44
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.1992
ECB Rate 08.9480
AIB & ECB % Difference 02.81
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 444.3180
ECB Rate 427.9050
AIB & ECB % Difference 03.84
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 179.9717
ECB Rate 174.5864
AIB & ECB % Difference 03.08
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2849
ECB Rate 01.2484
AIB & ECB % Difference 02.92
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.3688
ECB Rate 11.9479
AIB & ECB % Difference 03.52
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.6074
ECB Rate 05.4383
AIB & ECB % Difference 03.11
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.1326
ECB Rate 05.9457
AIB & ECB % Difference 03.14
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.7941
ECB Rate 12.4360
AIB & ECB % Difference 02.88

* 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.