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

Conversion rates

Last Updated : 11 Nov 2025, 22:23

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)	24.8636	24.2880	02.37
Denmark	Krone (DKK)	07.5992	07.4679	01.76
Hungary	Forint (HUF)	393.6036	385.6600	02.06
Iceland	Krona (ISK)	149.3976	146.6000	01.91
Liechtenstein	Swiss Franc (CHF)	00.9505	00.9278	02.45
Norway	Krone (NOK)	11.9877	11.6605	02.81
Poland	Zloty (PLN)	04.3312	04.2300	02.39
Romania	Leu (RON)	05.1963	05.0840	02.21
Sweden	Krona (SEK)	11.2416	10.9730	02.45
United Kingdom	Pound Sterling (GBP)	00.8962	00.8804	01.80

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)	24.8636
ECB Rate	24.2880
AIB & ECB % Difference	02.37

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5992
ECB Rate	07.4679
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	393.6036
ECB Rate	385.6600
AIB & ECB % Difference	02.06

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	149.3976
ECB Rate	146.6000
AIB & ECB % Difference	01.91

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9505
ECB Rate	00.9278
AIB & ECB % Difference	02.45

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9877
ECB Rate	11.6605
AIB & ECB % Difference	02.81

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3312
ECB Rate	04.2300
AIB & ECB % Difference	02.39

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.1963
ECB Rate	05.0840
AIB & ECB % Difference	02.21

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.2416
ECB Rate	10.9730
AIB & ECB % Difference	02.45

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8962
ECB Rate	00.8804
AIB & ECB % Difference	01.80

*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.