Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 06 Sep 2024, 22:26
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.2206 01.1863 02.88
Bulgaria Lev (BGN) 02.3936 02.3202 03.16
Czech Republic Koruna (CZK) 30.6246 29.6988 03.12
Denmark Krone (DKK) 09.1071 08.8525 02.88
Hungary Forint (HUF) 481.7754 468.3070 02.88
Iceland Krona (ISK) 187.6502 181.8656 03.18
Liechtenstein Swiss Franc (CHF) 01.1479 01.1110 03.32
Norway Krone (NOK) 14.4197 14.0006 02.99
Poland Zloty (PLN) 05.2306 05.0775 03.01
Romania Leu (RON) 06.0953 05.9003 03.31
Sweden Krona (SEK) 13.9296 13.4884 03.27
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.2206
ECB Rate 01.1863
AIB & ECB % Difference 02.88
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3936
ECB Rate 02.3202
AIB & ECB % Difference 03.16
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 30.6246
ECB Rate 29.6988
AIB & ECB % Difference 03.12
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 09.1071
ECB Rate 08.8525
AIB & ECB % Difference 02.88
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 481.7754
ECB Rate 468.3070
AIB & ECB % Difference 02.88
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 187.6502
ECB Rate 181.8656
AIB & ECB % Difference 03.18
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1479
ECB Rate 01.1110
AIB & ECB % Difference 03.32
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 14.4197
ECB Rate 14.0006
AIB & ECB % Difference 02.99
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.2306
ECB Rate 05.0775
AIB & ECB % Difference 03.01
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0953
ECB Rate 05.9003
AIB & ECB % Difference 03.31
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9296
ECB Rate 13.4884
AIB & ECB % Difference 03.27

* 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.

Key Information:

  • 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.