Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 30 Oct 2025, 15:20

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1710	01.1362	03.06
Bulgaria	Lev (BGN)	02.3061	02.2222	03.77
Czech Republic	Koruna (CZK)	28.5473	27.6991	03.06
Denmark	Krone (DKK)	08.7516	08.4853	03.14
Hungary	Forint (HUF)	458.7596	441.9384	03.81
Iceland	Krona (ISK)	168.3358	163.6178	02.88
Liechtenstein	Swiss Franc (CHF)	01.0861	01.0545	02.99
Norway	Krone (NOK)	13.6525	13.2539	03.01
Poland	Zloty (PLN)	04.9641	04.8233	02.92
Romania	Leu (RON)	06.0011	05.7783	03.86
Sweden	Krona (SEK)	12.8013	12.4304	02.98

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1710
ECB Rate	01.1362
AIB & ECB % Difference	03.06

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3061
ECB Rate	02.2222
AIB & ECB % Difference	03.77

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	28.5473
ECB Rate	27.6991
AIB & ECB % Difference	03.06

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.7516
ECB Rate	08.4853
AIB & ECB % Difference	03.14

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	458.7596
ECB Rate	441.9384
AIB & ECB % Difference	03.81

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	168.3358
ECB Rate	163.6178
AIB & ECB % Difference	02.88

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.0861
ECB Rate	01.0545
AIB & ECB % Difference	02.99

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.6525
ECB Rate	13.2539
AIB & ECB % Difference	03.01

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	04.9641
ECB Rate	04.8233
AIB & ECB % Difference	02.92

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0011
ECB Rate	05.7783
AIB & ECB % Difference	03.86

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	12.8013
ECB Rate	12.4304
AIB & ECB % Difference	02.98

* 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.