Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 20 Jan 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)	01.2224	01.1822	03.40
Bulgaria	Lev (BGN)	02.3981	02.3121	03.72
Czech Republic	Koruna (CZK)	30.9619	29.8021	03.89
Denmark	Krone (DKK)	09.1315	08.8205	03.53
Hungary	Forint (HUF)	507.4189	488.4263	03.89
Iceland	Krona (ISK)	178.0121	172.0102	03.49
Liechtenstein	Swiss Franc (CHF)	01.1501	01.1147	03.18
Norway	Krone (NOK)	14.3431	13.9104	03.11
Poland	Zloty (PLN)	05.2182	05.0324	03.69
Romania	Leu (RON)	06.1064	05.8837	03.79
Sweden	Krona (SEK)	14.0464	13.5888	03.37

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.2224
ECB Rate	01.1822
AIB & ECB % Difference	03.40

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3981
ECB Rate	02.3121
AIB & ECB % Difference	03.72

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	30.9619
ECB Rate	29.8021
AIB & ECB % Difference	03.89

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	09.1315
ECB Rate	08.8205
AIB & ECB % Difference	03.53

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	507.4189
ECB Rate	488.4263
AIB & ECB % Difference	03.89

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	178.0121
ECB Rate	172.0102
AIB & ECB % Difference	03.49

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1501
ECB Rate	01.1147
AIB & ECB % Difference	03.18

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.3431
ECB Rate	13.9104
AIB & ECB % Difference	03.11

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.2182
ECB Rate	05.0324
AIB & ECB % Difference	03.69

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.1064
ECB Rate	05.8837
AIB & ECB % Difference	03.79

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.0464
ECB Rate	13.5888
AIB & ECB % Difference	03.37

* 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.