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

Conversion rates

Last Updated : 25 Jul 2025, 15:21

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)	25.1182	24.5390	02.36
Denmark	Krone (DKK)	07.5960	07.4644	01.76
Hungary	Forint (HUF)	407.3315	396.9000	02.63
Iceland	Krona (ISK)	145.1440	142.2000	02.07
Liechtenstein	Swiss Franc (CHF)	00.9530	00.9343	02.00
Norway	Krone (NOK)	12.1228	11.8995	01.88
Poland	Zloty (PLN)	04.3369	04.2543	01.94
Romania	Leu (RON)	05.1899	05.0707	02.35
Sweden	Krona (SEK)	11.4339	11.1665	02.39
United Kingdom	Pound Sterling (GBP)	00.8862	00.8715	01.69

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)	25.1182
ECB Rate	24.5390
AIB & ECB % Difference	02.36

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5960
ECB Rate	07.4644
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	407.3315
ECB Rate	396.9000
AIB & ECB % Difference	02.63

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	145.1440
ECB Rate	142.2000
AIB & ECB % Difference	02.07

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9530
ECB Rate	00.9343
AIB & ECB % Difference	02.00

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.1228
ECB Rate	11.8995
AIB & ECB % Difference	01.88

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3369
ECB Rate	04.2543
AIB & ECB % Difference	01.94

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.1899
ECB Rate	05.0707
AIB & ECB % Difference	02.35

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.4339
ECB Rate	11.1665
AIB & ECB % Difference	02.39

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8862
ECB Rate	00.8715
AIB & ECB % Difference	01.69

*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.