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

Conversion rates

Last Updated : 11 Dec 2025, 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	01.9558	01.75
Czech Republic	Koruna (CZK)	24.7599	24.2200	02.23
Denmark	Krone (DKK)	07.6006	07.4691	01.76
Hungary	Forint (HUF)	393.6354	384.4900	02.38
Iceland	Krona (ISK)	152.0982	148.6000	02.35
Liechtenstein	Swiss Franc (CHF)	00.9553	00.9333	02.36
Norway	Krone (NOK)	12.0479	11.8250	01.88
Poland	Zloty (PLN)	04.3096	04.2270	01.96
Romania	Leu (RON)	05.2201	05.0899	02.56
Sweden	Krona (SEK)	11.1027	10.8450	02.38
United Kingdom	Pound Sterling (GBP)	00.8910	00.8751	01.82

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)	24.7599
ECB Rate	24.2200
AIB & ECB % Difference	02.23

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6006
ECB Rate	07.4691
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	393.6354
ECB Rate	384.4900
AIB & ECB % Difference	02.38

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	152.0982
ECB Rate	148.6000
AIB & ECB % Difference	02.35

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9553
ECB Rate	00.9333
AIB & ECB % Difference	02.36

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.0479
ECB Rate	11.8250
AIB & ECB % Difference	01.88

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3096
ECB Rate	04.2270
AIB & ECB % Difference	01.96

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2201
ECB Rate	05.0899
AIB & ECB % Difference	02.56

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.1027
ECB Rate	10.8450
AIB & ECB % Difference	02.38

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8910
ECB Rate	00.8751
AIB & ECB % Difference	01.82

*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.