Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 17 Jun 2025, 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)	01.2105	01.1730	03.20
Bulgaria	Lev (BGN)	02.3766	02.2942	03.59
Czech Republic	Koruna (CZK)	29.9464	29.0909	02.94
Denmark	Krone (DKK)	09.0208	08.7490	03.11
Hungary	Forint (HUF)	489.5900	472.5279	03.61
Iceland	Krona (ISK)	173.6507	168.4457	03.09
Liechtenstein	Swiss Franc (CHF)	01.1375	01.1033	03.10
Norway	Krone (NOK)	13.9113	13.3930	03.87
Poland	Zloty (PLN)	05.1694	05.0179	03.02
Romania	Leu (RON)	06.1029	05.8979	03.48
Sweden	Krona (SEK)	13.2844	12.8422	03.44

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2105
ECB Rate	01.1730
AIB & ECB % Difference	03.20

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3766
ECB Rate	02.2942
AIB & ECB % Difference	03.59

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.9464
ECB Rate	29.0909
AIB & ECB % Difference	02.94

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.0208
ECB Rate	08.7490
AIB & ECB % Difference	03.11

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	489.5900
ECB Rate	472.5279
AIB & ECB % Difference	03.61

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	173.6507
ECB Rate	168.4457
AIB & ECB % Difference	03.09

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1375
ECB Rate	01.1033
AIB & ECB % Difference	03.10

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.9113
ECB Rate	13.3930
AIB & ECB % Difference	03.87

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.1694
ECB Rate	05.0179
AIB & ECB % Difference	03.02

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.1029
ECB Rate	05.8979
AIB & ECB % Difference	03.48

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.2844
ECB Rate	12.8422
AIB & ECB % Difference	03.44

* 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.