Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 26 Dec 2025, 22:24

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1792	01.1456	02.93
Bulgaria	Lev (BGN)	02.3113	02.2406	03.16
Czech Republic	Koruna (CZK)	28.6660	27.8050	03.10
Denmark	Krone (DKK)	08.8127	08.5570	02.99
Hungary	Forint (HUF)	462.5025	446.2481	03.64
Iceland	Krona (ISK)	175.0052	169.5498	03.22
Liechtenstein	Swiss Franc (CHF)	01.0978	01.0636	03.22
Norway	Krone (NOK)	13.9855	13.5227	03.42
Poland	Zloty (PLN)	04.9841	04.8270	03.25
Romania	Leu (RON)	06.0209	05.8310	03.26
Sweden	Krona (SEK)	12.7615	12.3789	03.09

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1792
ECB Rate	01.1456
AIB & ECB % Difference	02.93

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3113
ECB Rate	02.2406
AIB & ECB % Difference	03.16

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	28.6660
ECB Rate	27.8050
AIB & ECB % Difference	03.10

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.8127
ECB Rate	08.5570
AIB & ECB % Difference	02.99

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	462.5025
ECB Rate	446.2481
AIB & ECB % Difference	03.64

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	175.0052
ECB Rate	169.5498
AIB & ECB % Difference	03.22

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.0978
ECB Rate	01.0636
AIB & ECB % Difference	03.22

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.9855
ECB Rate	13.5227
AIB & ECB % Difference	03.42

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	04.9841
ECB Rate	04.8270
AIB & ECB % Difference	03.25

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0209
ECB Rate	05.8310
AIB & ECB % Difference	03.26

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	12.7615
ECB Rate	12.3789
AIB & ECB % Difference	03.09

* 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.