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

Conversion rates

Last Updated : 27 Jun 2025, 22:15

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)	25.2287	24.7480	01.94
Denmark	Krone (DKK)	07.5921	07.4613	01.75
Hungary	Forint (HUF)	411.6346	398.8100	03.22
Iceland	Krona (ISK)	146.1315	142.0000	02.91
Liechtenstein	Swiss Franc (CHF)	00.9568	00.9359	02.23
Norway	Krone (NOK)	12.0538	11.7920	02.22
Poland	Zloty (PLN)	04.3387	04.2378	02.38
Romania	Leu (RON)	05.2018	05.0816	02.37
Sweden	Krona (SEK)	11.3180	11.1183	01.80
United Kingdom	Pound Sterling (GBP)	00.8689	00.8529	01.88

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)	25.2287
ECB Rate	24.7480
AIB & ECB % Difference	01.94

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5921
ECB Rate	07.4613
AIB & ECB % Difference	01.75

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	411.6346
ECB Rate	398.8100
AIB & ECB % Difference	03.22

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	146.1315
ECB Rate	142.0000
AIB & ECB % Difference	02.91

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9568
ECB Rate	00.9359
AIB & ECB % Difference	02.23

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.0538
ECB Rate	11.7920
AIB & ECB % Difference	02.22

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3387
ECB Rate	04.2378
AIB & ECB % Difference	02.38

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2018
ECB Rate	05.0816
AIB & ECB % Difference	02.37

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.3180
ECB Rate	11.1183
AIB & ECB % Difference	01.80

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8689
ECB Rate	00.8529
AIB & ECB % Difference	01.88

*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.