Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 16 Jan 2026, 22:21

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1874	01.1534	02.95
Bulgaria	Lev (BGN)	02.3317
Czech Republic	Koruna (CZK)	28.8356	28.0115	02.94
Denmark	Krone (DKK)	08.8764	08.6173	03.01
Hungary	Forint (HUF)	460.5741	444.4406	03.63
Iceland	Krona (ISK)	174.2270	168.8581	03.18
Liechtenstein	Swiss Franc (CHF)	01.1076	01.0742	03.11
Norway	Krone (NOK)	13.9455	13.5182	03.16
Poland	Zloty (PLN)	05.0040	04.8729	02.69
Romania	Leu (RON)	06.0719	05.8717	03.41
Sweden	Krona (SEK)	12.7269	12.3633	02.94

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1874
ECB Rate	01.1534
AIB & ECB % Difference	02.95

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3317
ECB Rate
AIB & ECB % Difference

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	28.8356
ECB Rate	28.0115
AIB & ECB % Difference	02.94

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.8764
ECB Rate	08.6173
AIB & ECB % Difference	03.01

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	460.5741
ECB Rate	444.4406
AIB & ECB % Difference	03.63

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	174.2270
ECB Rate	168.8581
AIB & ECB % Difference	03.18

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1076
ECB Rate	01.0742
AIB & ECB % Difference	03.11

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.9455
ECB Rate	13.5182
AIB & ECB % Difference	03.16

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0040
ECB Rate	04.8729
AIB & ECB % Difference	02.69

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0719
ECB Rate	05.8717
AIB & ECB % Difference	03.41

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	12.7269
ECB Rate	12.3633
AIB & ECB % Difference	02.94

* 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.