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

Conversion rates

Last Updated : 20 Jan 2026, 22:21

Non-Euro EU Member	Currency	AIB Rate* (Inclusive of 1.75% bank fee)	ECB Rate	AIB & ECB % Difference
Bulgaria	Lev (BGN)	01.9901
Czech Republic	Koruna (CZK)	24.7387	24.3330	01.67
Denmark	Krone (DKK)	07.6036	07.4708	01.78
Hungary	Forint (HUF)	395.4919	385.8500	02.50
Iceland	Krona (ISK)	148.9912	146.2000	01.91
Liechtenstein	Swiss Franc (CHF)	00.9467	00.9268	02.15
Norway	Krone (NOK)	11.9586	11.7155	02.08
Poland	Zloty (PLN)	04.3149	04.2273	02.07
Romania	Leu (RON)	05.2183	05.0924	02.47
Sweden	Krona (SEK)	10.9374	10.7080	02.14
United Kingdom	Pound Sterling (GBP)	00.8839	00.8722	01.34

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

Czech Republic	Koruna (CZK)
AIB Rate* (Inclusive of 1.75% bank fee)	24.7387
ECB Rate	24.3330
AIB & ECB % Difference	01.67

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6036
ECB Rate	07.4708
AIB & ECB % Difference	01.78

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	395.4919
ECB Rate	385.8500
AIB & ECB % Difference	02.50

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	148.9912
ECB Rate	146.2000
AIB & ECB % Difference	01.91

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9467
ECB Rate	00.9268
AIB & ECB % Difference	02.15

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9586
ECB Rate	11.7155
AIB & ECB % Difference	02.08

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3149
ECB Rate	04.2273
AIB & ECB % Difference	02.07

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2183
ECB Rate	05.0924
AIB & ECB % Difference	02.47

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	10.9374
ECB Rate	10.7080
AIB & ECB % Difference	02.14

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8839
ECB Rate	00.8722
AIB & ECB % Difference	01.34

*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.