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

Conversion rates

Last Updated : 03 Sep 2025, 22:22

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)	24.9406	24.4460	02.02
Denmark	Krone (DKK)	07.5948	07.4633	01.76
Hungary	Forint (HUF)	407.3248	393.3000	03.57
Iceland	Krona (ISK)	147.1317	143.6000	02.46
Liechtenstein	Swiss Franc (CHF)	00.9548	00.9374	01.85
Norway	Krone (NOK)	11.9328	11.7000	01.99
Poland	Zloty (PLN)	04.3494	04.2523	02.28
Romania	Leu (RON)	05.2222	05.0774	02.85
Sweden	Krona (SEK)	11.2229	11.0015	02.01
United Kingdom	Pound Sterling (GBP)	00.8866	00.8687	02.06

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)	24.9406
ECB Rate	24.4460
AIB & ECB % Difference	02.02

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5948
ECB Rate	07.4633
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	407.3248
ECB Rate	393.3000
AIB & ECB % Difference	03.57

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	147.1317
ECB Rate	143.6000
AIB & ECB % Difference	02.46

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9548
ECB Rate	00.9374
AIB & ECB % Difference	01.85

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9328
ECB Rate	11.7000
AIB & ECB % Difference	01.99

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3494
ECB Rate	04.2523
AIB & ECB % Difference	02.28

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2222
ECB Rate	05.0774
AIB & ECB % Difference	02.85

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.2229
ECB Rate	11.0015
AIB & ECB % Difference	02.01

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8866
ECB Rate	00.8687
AIB & ECB % Difference	02.06

*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.