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

Conversion rates

Last Updated : 07 Oct 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)	24.8089	24.3180	02.02
Denmark	Krone (DKK)	07.6014	07.4662	01.81
Hungary	Forint (HUF)	399.1094	391.7500	01.88
Iceland	Krona (ISK)	144.7043	141.6000	02.19
Liechtenstein	Swiss Franc (CHF)	00.9523	00.9314	02.25
Norway	Krone (NOK)	11.9729	11.6025	03.19
Poland	Zloty (PLN)	04.3392	04.2535	02.01
Romania	Leu (RON)	05.2200	05.0919	02.52
Sweden	Krona (SEK)	11.2256	10.9495	02.52
United Kingdom	Pound Sterling (GBP)	00.8888	00.8703	02.13

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)	24.8089
ECB Rate	24.3180
AIB & ECB % Difference	02.02

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6014
ECB Rate	07.4662
AIB & ECB % Difference	01.81

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	399.1094
ECB Rate	391.7500
AIB & ECB % Difference	01.88

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	144.7043
ECB Rate	141.6000
AIB & ECB % Difference	02.19

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9523
ECB Rate	00.9314
AIB & ECB % Difference	02.25

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9729
ECB Rate	11.6025
AIB & ECB % Difference	03.19

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3392
ECB Rate	04.2535
AIB & ECB % Difference	02.01

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2200
ECB Rate	05.0919
AIB & ECB % Difference	02.52

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.2256
ECB Rate	10.9495
AIB & ECB % Difference	02.52

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8888
ECB Rate	00.8703
AIB & ECB % Difference	02.13

*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.