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

Conversion rates

Last Updated : 13 Feb 2026, 16:45

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)	24.7272	24.2630	01.91
Denmark	Krone (DKK)	07.6024	07.4709	01.76
Hungary	Forint (HUF)	388.7721	379.0800	02.56
Iceland	Krona (ISK)	148.2024	145.0000	02.21
Liechtenstein	Swiss Franc (CHF)	00.9331	00.9121	02.30
Norway	Krone (NOK)	11.5424	11.3260	01.91
Poland	Zloty (PLN)	04.2966	04.2150	01.94
Romania	Leu (RON)	05.2018	05.0946	02.10
Sweden	Krona (SEK)	10.7905	10.6254	01.55
United Kingdom	Pound Sterling (GBP)	00.8871	00.8716	01.78

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)	24.7272
ECB Rate	24.2630
AIB & ECB % Difference	01.91

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6024
ECB Rate	07.4709
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	388.7721
ECB Rate	379.0800
AIB & ECB % Difference	02.56

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	148.2024
ECB Rate	145.0000
AIB & ECB % Difference	02.21

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9331
ECB Rate	00.9121
AIB & ECB % Difference	02.30

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.5424
ECB Rate	11.3260
AIB & ECB % Difference	01.91

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.2966
ECB Rate	04.2150
AIB & ECB % Difference	01.94

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2018
ECB Rate	05.0946
AIB & ECB % Difference	02.10

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	10.7905
ECB Rate	10.6254
AIB & ECB % Difference	01.55

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8871
ECB Rate	00.8716
AIB & ECB % Difference	01.78

*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.