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

Conversion rates

Last Updated : 21 Nov 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)	24.6517	24.2350	01.72
Denmark	Krone (DKK)	07.6002	07.4687	01.76
Hungary	Forint (HUF)	391.2848	383.4300	02.05
Iceland	Krona (ISK)	150.0052	147.2000	01.91
Liechtenstein	Swiss Franc (CHF)	00.9470	00.9289	01.95
Norway	Krone (NOK)	12.0078	11.7940	01.81
Poland	Zloty (PLN)	04.3154	04.2448	01.66
Romania	Leu (RON)	05.2009	05.0896	02.19
Sweden	Krona (SEK)	11.2173	11.0260	01.73
United Kingdom	Pound Sterling (GBP)	00.8995	00.8803	02.18

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)	24.6517
ECB Rate	24.2350
AIB & ECB % Difference	01.72

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6002
ECB Rate	07.4687
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	391.2848
ECB Rate	383.4300
AIB & ECB % Difference	02.05

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	150.0052
ECB Rate	147.2000
AIB & ECB % Difference	01.91

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9470
ECB Rate	00.9289
AIB & ECB % Difference	01.95

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.0078
ECB Rate	11.7940
AIB & ECB % Difference	01.81

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3154
ECB Rate	04.2448
AIB & ECB % Difference	01.66

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2009
ECB Rate	05.0896
AIB & ECB % Difference	02.19

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.2173
ECB Rate	11.0260
AIB & ECB % Difference	01.73

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8995
ECB Rate	00.8803
AIB & ECB % Difference	02.18

*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.