Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 08 Oct 2025, 15:23

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1841	01.1533	02.68
Bulgaria	Lev (BGN)	02.3281	02.2556	03.22
Czech Republic	Koruna (CZK)	28.9113	28.1040	02.87
Denmark	Krone (DKK)	08.8570	08.6111	02.86
Hungary	Forint (HUF)	468.5488	452.5430	03.54
Iceland	Krona (ISK)	168.3511	163.0723	03.24
Liechtenstein	Swiss Franc (CHF)	01.1054	01.0731	03.01
Norway	Krone (NOK)	13.7962	13.3923	03.02
Poland	Zloty (PLN)	05.0424	04.9023	02.86
Romania	Leu (RON)	06.0754	05.8768	03.38
Sweden	Krona (SEK)	13.0335	12.6439	03.08

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1841
ECB Rate	01.1533
AIB & ECB % Difference	02.68

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3281
ECB Rate	02.2556
AIB & ECB % Difference	03.22

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	28.9113
ECB Rate	28.1040
AIB & ECB % Difference	02.87

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.8570
ECB Rate	08.6111
AIB & ECB % Difference	02.86

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	468.5488
ECB Rate	452.5430
AIB & ECB % Difference	03.54

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	168.3511
ECB Rate	163.0723
AIB & ECB % Difference	03.24

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1054
ECB Rate	01.0731
AIB & ECB % Difference	03.01

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.7962
ECB Rate	13.3923
AIB & ECB % Difference	03.02

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0424
ECB Rate	04.9023
AIB & ECB % Difference	02.86

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0754
ECB Rate	05.8768
AIB & ECB % Difference	03.38

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.0335
ECB Rate	12.6439
AIB & ECB % Difference	03.08

* 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.