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

Conversion rates

Last Updated : 11 Feb 2026, 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
Czech Republic	Koruna (CZK)	24.7276	24.2450	01.99
Denmark	Krone (DKK)	07.6028	07.4698	01.78
Hungary	Forint (HUF)	386.5342	379.0300	01.98
Iceland	Krona (ISK)	148.1050	145.2000	02.00
Liechtenstein	Swiss Franc (CHF)	00.9307	00.9136	01.87
Norway	Krone (NOK)	11.6604	11.2650	03.51
Poland	Zloty (PLN)	04.2972	04.2135	01.99
Romania	Leu (RON)	05.2041	05.0912	02.22
Sweden	Krona (SEK)	10.8531	10.5640	02.74
United Kingdom	Pound Sterling (GBP)	00.8875	00.8699	02.02

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)	24.7276
ECB Rate	24.2450
AIB & ECB % Difference	01.99

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6028
ECB Rate	07.4698
AIB & ECB % Difference	01.78

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	386.5342
ECB Rate	379.0300
AIB & ECB % Difference	01.98

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	148.1050
ECB Rate	145.2000
AIB & ECB % Difference	02.00

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9307
ECB Rate	00.9136
AIB & ECB % Difference	01.87

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.6604
ECB Rate	11.2650
AIB & ECB % Difference	03.51

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.2972
ECB Rate	04.2135
AIB & ECB % Difference	01.99

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2041
ECB Rate	05.0912
AIB & ECB % Difference	02.22

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	10.8531
ECB Rate	10.5640
AIB & ECB % Difference	02.74

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8875
ECB Rate	00.8699
AIB & ECB % Difference	02.02

*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.