Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 14 Apr 2025, 22:21

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1940	01.1576	03.14
Bulgaria	Lev (BGN)	02.3607	02.2641	04.27
Czech Republic	Koruna (CZK)	29.9874	29.0659	03.17
Denmark	Krone (DKK)	08.9101	08.6446	03.07
Hungary	Forint (HUF)	492.7336	475.1514	03.70
Iceland	Krona (ISK)	174.1787	167.7413	03.84
Liechtenstein	Swiss Franc (CHF)	01.1052	01.0800	02.34
Norway	Krone (NOK)	14.5160	13.9154	04.32
Poland	Zloty (PLN)	05.1089	04.9616	02.97
Romania	Leu (RON)	06.0088	05.7621	04.28
Sweden	Krona (SEK)	13.3135	12.7415	04.49

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1940
ECB Rate	01.1576
AIB & ECB % Difference	03.14

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee)	02.3607
ECB Rate	02.2641
AIB & ECB % Difference	04.27

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.9874
ECB Rate	29.0659
AIB & ECB % Difference	03.17

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.9101
ECB Rate	08.6446
AIB & ECB % Difference	03.07

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	492.7336
ECB Rate	475.1514
AIB & ECB % Difference	03.70

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	174.1787
ECB Rate	167.7413
AIB & ECB % Difference	03.84

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1052
ECB Rate	01.0800
AIB & ECB % Difference	02.34

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	14.5160
ECB Rate	13.9154
AIB & ECB % Difference	04.32

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.1089
ECB Rate	04.9616
AIB & ECB % Difference	02.97

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0088
ECB Rate	05.7621
AIB & ECB % Difference	04.28

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.3135
ECB Rate	12.7415
AIB & ECB % Difference	04.49

* 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.