Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 07 Aug 2025, 22:27

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1816	01.1530	02.48
Bulgaria	Lev (BGN)	02.3240	02.2550	03.06
Czech Republic	Koruna (CZK)	29.0867	28.2751	02.87
Denmark	Krone (DKK)	08.8200	08.6064	02.48
Hungary	Forint (HUF)	473.6625	457.3619	03.56
Iceland	Krona (ISK)	168.6962	164.6489	02.46
Liechtenstein	Swiss Franc (CHF)	01.1084	01.0853	02.13
Norway	Krone (NOK)	14.0554	13.7096	02.52
Poland	Zloty (PLN)	05.0659	04.9110	03.15
Romania	Leu (RON)	06.0363	05.8494	03.19
Sweden	Krona (SEK)	13.2379	12.9073	02.56

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1816
ECB Rate	01.1530
AIB & ECB % Difference	02.48

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3240
ECB Rate	02.2550
AIB & ECB % Difference	03.06

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.0867
ECB Rate	28.2751
AIB & ECB % Difference	02.87

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.8200
ECB Rate	08.6064
AIB & ECB % Difference	02.48

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	473.6625
ECB Rate	457.3619
AIB & ECB % Difference	03.56

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	168.6962
ECB Rate	164.6489
AIB & ECB % Difference	02.46

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1084
ECB Rate	01.0853
AIB & ECB % Difference	02.13

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.0554
ECB Rate	13.7096
AIB & ECB % Difference	02.52

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0659
ECB Rate	04.9110
AIB & ECB % Difference	03.15

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0363
ECB Rate	05.8494
AIB & ECB % Difference	03.19

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.2379
ECB Rate	12.9073
AIB & ECB % Difference	02.56

* 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.