Exchange rates for EU/EEA currencies on Debit cards

Conversion rates
Last Updated : 05 May 2023, 22:30
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1748 01.1445 02.65
Bulgaria Lev (BGN) 02.3056 02.2383 03.01
Czech Republic Koruna (CZK) 27.5467 26.7813 02.86
Denmark Krone (DKK) 08.7530 08.5261 02.66
Hungary Forint (HUF) 440.4183 426.2858 03.32
Iceland Krona (ISK) 176.0743 171.7824 02.50
Liechtenstein Swiss Franc (CHF) 01.1472 01.1248 02.00
Norway Krone (NOK) 13.9199 13.3781 04.05
Poland Zloty (PLN) 05.3934 05.2382 02.96
Romania Leu (RON) 05.8138 05.6399 03.08
Sweden Krona (SEK) 13.2836 12.8596 03.30
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1748
ECB Rate 01.1445
AIB & ECB % Difference 02.65
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3056
ECB Rate 02.2383
AIB & ECB % Difference 03.01
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 27.5467
ECB Rate 26.7813
AIB & ECB % Difference 02.86
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.7530
ECB Rate 08.5261
AIB & ECB % Difference 02.66
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 440.4183
ECB Rate 426.2858
AIB & ECB % Difference 03.32
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 176.0743
ECB Rate 171.7824
AIB & ECB % Difference 02.50
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1472
ECB Rate 01.1248
AIB & ECB % Difference 02.00
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.9199
ECB Rate 13.3781
AIB & ECB % Difference 04.05
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 05.3934
ECB Rate 05.2382
AIB & ECB % Difference 02.96
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 05.8138
ECB Rate 05.6399
AIB & ECB % Difference 03.08
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.2836
ECB Rate 12.8596
AIB & ECB % Difference 03.30

* 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.