Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 18 Jul 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)	01.1898	01.1553	02.99
Bulgaria	Lev (BGN)	02.3362	02.2595	03.40
Czech Republic	Koruna (CZK)	29.3380	28.4462	03.14
Denmark	Krone (DKK)	08.8827	08.6225	03.02
Hungary	Forint (HUF)	477.2863	461.0213	03.53
Iceland	Krona (ISK)	168.9275	164.0481	02.97
Liechtenstein	Swiss Franc (CHF)	01.1105	01.0772	03.10
Norway	Krone (NOK)	14.2676	13.6709	04.36
Poland	Zloty (PLN)	05.0690	04.9091	03.26
Romania	Leu (RON)	06.0619	05.8604	03.44
Sweden	Krona (SEK)	13.4756	12.9973	03.68

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1898
ECB Rate	01.1553
AIB & ECB % Difference	02.99

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3362
ECB Rate	02.2595
AIB & ECB % Difference	03.40

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.3380
ECB Rate	28.4462
AIB & ECB % Difference	03.14

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.8827
ECB Rate	08.6225
AIB & ECB % Difference	03.02

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	477.2863
ECB Rate	461.0213
AIB & ECB % Difference	03.53

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	168.9275
ECB Rate	164.0481
AIB & ECB % Difference	02.97

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1105
ECB Rate	01.0772
AIB & ECB % Difference	03.10

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.2676
ECB Rate	13.6709
AIB & ECB % Difference	04.36

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0690
ECB Rate	04.9091
AIB & ECB % Difference	03.26

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0619
ECB Rate	05.8604
AIB & ECB % Difference	03.44

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.4756
ECB Rate	12.9973
AIB & ECB % Difference	03.68

* 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.