Exchange rates for non-Euro EU/EEA currencies on Credit card

Conversion rates

Last Updated : 12 Aug 2025, 22:25

Non-Euro EU Member	Currency	AIB Rate* (Inclusive of 1.75% bank fee)	ECB Rate	AIB & ECB % Difference
Bulgaria	Lev (BGN)	01.9901	01.9558	01.75
Czech Republic	Koruna (CZK)	24.9877	24.4690	02.12
Denmark	Krone (DKK)	07.5960	07.4633	01.78
Hungary	Forint (HUF)	406.1503	395.9500	02.58
Iceland	Krona (ISK)	146.4856	143.0000	02.44
Liechtenstein	Swiss Franc (CHF)	00.9605	00.9418	01.98
Norway	Krone (NOK)	12.2203	11.8938	02.74
Poland	Zloty (PLN)	04.3419	04.2603	01.91
Romania	Leu (RON)	05.1976	05.0649	02.62
Sweden	Krona (SEK)	11.4210	11.1920	02.05
United Kingdom	Pound Sterling (GBP)	00.8830	00.8621	02.43

Bulgaria	Lev (BGN)
AIB Rate* (Inclusive of 1.75% bank fee)	01.9901
ECB Rate	01.9558
AIB & ECB % Difference	01.75

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 1.75% bank fee)	24.9877
ECB Rate	24.4690
AIB & ECB % Difference	02.12

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5960
ECB Rate	07.4633
AIB & ECB % Difference	01.78

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	406.1503
ECB Rate	395.9500
AIB & ECB % Difference	02.58

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	146.4856
ECB Rate	143.0000
AIB & ECB % Difference	02.44

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9605
ECB Rate	00.9418
AIB & ECB % Difference	01.98

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.2203
ECB Rate	11.8938
AIB & ECB % Difference	02.74

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3419
ECB Rate	04.2603
AIB & ECB % Difference	01.91

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.1976
ECB Rate	05.0649
AIB & ECB % Difference	02.62

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.4210
ECB Rate	11.1920
AIB & ECB % Difference	02.05

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8830
ECB Rate	00.8621
AIB & ECB % Difference	02.43

*AIB rate is the Visa rate plus the currency conversion fee

Currency Conversion Fees:

For non-euro transactions we apply the following fees to the Credit card.

FX Transactions - Visa Europe Region	FX Transactions - Visa Rest of the World
1.75% of transaction value	2.75% of transaction value

All foreign exchange rates in the above table are updated twice daily, on any business day
When you use your Credit card to pay for something that is not in euro, Visa will convert that payment to euro 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 fees and charges and on how your card works in the Products section of our website.