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

Conversion rates

Last Updated : 14 Nov 2025, 22:24

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)	24.7335	24.1980	02.21
Denmark	Krone (DKK)	07.5989	07.4679	01.75
Hungary	Forint (HUF)	394.4824	384.9000	02.49
Iceland	Krona (ISK)	149.9120	147.4000	01.70
Liechtenstein	Swiss Franc (CHF)	00.9422	00.9185	02.58
Norway	Krone (NOK)	11.9093	11.7285	01.54
Poland	Zloty (PLN)	04.3188	04.2328	02.03
Romania	Leu (RON)	05.2119	05.0851	02.49
Sweden	Krona (SEK)	11.1581	10.9835	01.59
United Kingdom	Pound Sterling (GBP)	00.9003	00.8846	01.77

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)	24.7335
ECB Rate	24.1980
AIB & ECB % Difference	02.21

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5989
ECB Rate	07.4679
AIB & ECB % Difference	01.75

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	394.4824
ECB Rate	384.9000
AIB & ECB % Difference	02.49

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	149.9120
ECB Rate	147.4000
AIB & ECB % Difference	01.70

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9422
ECB Rate	00.9185
AIB & ECB % Difference	02.58

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9093
ECB Rate	11.7285
AIB & ECB % Difference	01.54

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3188
ECB Rate	04.2328
AIB & ECB % Difference	02.03

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2119
ECB Rate	05.0851
AIB & ECB % Difference	02.49

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.1581
ECB Rate	10.9835
AIB & ECB % Difference	01.59

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9003
ECB Rate	00.8846
AIB & ECB % Difference	01.77

*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.