Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 27 Jun 2025, 22:15

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.2066	01.1725	02.91
Bulgaria	Lev (BGN)	02.3760	02.2931	03.61
Czech Republic	Koruna (CZK)	29.8770	29.0163	02.97
Denmark	Krone (DKK)	09.0053	08.7482	02.94
Hungary	Forint (HUF)	487.4492	467.5929	04.25
Iceland	Krona (ISK)	173.0459	166.4908	03.94
Liechtenstein	Swiss Franc (CHF)	01.1325	01.0973	03.20
Norway	Krone (NOK)	14.3060	13.8258	03.47
Poland	Zloty (PLN)	05.1293	04.9687	03.23
Romania	Leu (RON)	06.1598	05.9580	03.39
Sweden	Krona (SEK)	13.4207	13.0359	02.95

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2066
ECB Rate	01.1725
AIB & ECB % Difference	02.91

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3760
ECB Rate	02.2931
AIB & ECB % Difference	03.61

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.8770
ECB Rate	29.0163
AIB & ECB % Difference	02.97

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.0053
ECB Rate	08.7482
AIB & ECB % Difference	02.94

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	487.4492
ECB Rate	467.5929
AIB & ECB % Difference	04.25

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	173.0459
ECB Rate	166.4908
AIB & ECB % Difference	03.94

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1325
ECB Rate	01.0973
AIB & ECB % Difference	03.20

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.3060
ECB Rate	13.8258
AIB & ECB % Difference	03.47

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.1293
ECB Rate	04.9687
AIB & ECB % Difference	03.23

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.1598
ECB Rate	05.9580
AIB & ECB % Difference	03.39

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.4207
ECB Rate	13.0359
AIB & ECB % Difference	02.95

* 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.