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

Conversion rates

Last Updated : 04 Mar 2026, 22:20

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)	24.8832	24.3600	02.15
Denmark	Krone (DKK)	07.6028	07.4715	01.76
Hungary	Forint (HUF)	400.0736	384.3300	04.10
Iceland	Krona (ISK)	148.3399	144.7000	02.52
Liechtenstein	Swiss Franc (CHF)	00.9292	00.9082	02.31
Norway	Krone (NOK)	11.5024	11.2385	02.35
Poland	Zloty (PLN)	04.3838	04.2588	02.93
Romania	Leu (RON)	05.2779	05.0925	03.64
Sweden	Krona (SEK)	10.9814	10.6785	02.84
United Kingdom	Pound Sterling (GBP)	00.8892	00.8705	02.15

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)	24.8832
ECB Rate	24.3600
AIB & ECB % Difference	02.15

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6028
ECB Rate	07.4715
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	400.0736
ECB Rate	384.3300
AIB & ECB % Difference	04.10

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	148.3399
ECB Rate	144.7000
AIB & ECB % Difference	02.52

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9292
ECB Rate	00.9082
AIB & ECB % Difference	02.31

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.5024
ECB Rate	11.2385
AIB & ECB % Difference	02.35

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3838
ECB Rate	04.2588
AIB & ECB % Difference	02.93

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2779
ECB Rate	05.0925
AIB & ECB % Difference	03.64

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	10.9814
ECB Rate	10.6785
AIB & ECB % Difference	02.84

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8892
ECB Rate	00.8705
AIB & ECB % Difference	02.15

*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.