Exchange rates for EU/EEA currencies on Debit cards

Conversion rates

Last Updated : 27 Mar 2026, 22:22

Non-Eurozone EU Member	Currency	AIB Rate* (Inclusive of 2.75% bank fee)	ECB Rate	AIB & ECB % Difference
Non-Sterling EU Member	Euro (EUR)	01.1896	01.1531	03.16
Czech Republic	Koruna (CZK)	29.1642	28.3003	03.05
Denmark	Krone (DKK)	08.8977	08.6164	03.27
Hungary	Forint (HUF)	464.4258	449.4119	03.34
Iceland	Krona (ISK)	171.0371	165.5904	03.29
Liechtenstein	Swiss Franc (CHF)	01.0905	01.0583	03.04
Norway	Krone (NOK)	13.3938	12.9019	03.81
Poland	Zloty (PLN)	05.0909	04.9441	02.97
Romania	Leu (RON)	06.0884	05.8797	03.55
Sweden	Krona (SEK)	12.9404	12.5438	03.16

Non-Sterling EU Member	Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee)	01.1896
ECB Rate	01.1531
AIB & ECB % Difference	03.16

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee)	29.1642
ECB Rate	28.3003
AIB & ECB % Difference	03.05

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee)	08.8977
ECB Rate	08.6164
AIB & ECB % Difference	03.27

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee)	464.4258
ECB Rate	449.4119
AIB & ECB % Difference	03.34

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee)	171.0371
ECB Rate	165.5904
AIB & ECB % Difference	03.29

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee)	01.0905
ECB Rate	01.0583
AIB & ECB % Difference	03.04

Norway	Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee)	13.3938
ECB Rate	12.9019
AIB & ECB % Difference	03.81

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee)	05.0909
ECB Rate	04.9441
AIB & ECB % Difference	02.97

Romania	Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee)	06.0884
ECB Rate	05.8797
AIB & ECB % Difference	03.55

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee)	12.9404
ECB Rate	12.5438
AIB & ECB % Difference	03.16

* 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.