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

Conversion rates

Last Updated : 31 Dec 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)	24.7863	24.2370	02.27
Denmark	Krone (DKK)	07.6009	07.4689	01.77
Hungary	Forint (HUF)	394.5783	385.1500	02.45
Iceland	Krona (ISK)	150.1639	147.2000	02.01
Liechtenstein	Swiss Franc (CHF)	00.9474	00.9314	01.71
Norway	Krone (NOK)	12.0566	11.8430	01.80
Poland	Zloty (PLN)	04.3090	04.2210	02.09
Romania	Leu (RON)	05.2085	05.0968	02.19
Sweden	Krona (SEK)	11.0258	10.8215	01.89
United Kingdom	Pound Sterling (GBP)	00.8894	00.8726	01.92

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)	24.7863
ECB Rate	24.2370
AIB & ECB % Difference	02.27

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6009
ECB Rate	07.4689
AIB & ECB % Difference	01.77

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	394.5783
ECB Rate	385.1500
AIB & ECB % Difference	02.45

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	150.1639
ECB Rate	147.2000
AIB & ECB % Difference	02.01

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9474
ECB Rate	00.9314
AIB & ECB % Difference	01.71

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.0566
ECB Rate	11.8430
AIB & ECB % Difference	01.80

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3090
ECB Rate	04.2210
AIB & ECB % Difference	02.09

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2085
ECB Rate	05.0968
AIB & ECB % Difference	02.19

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.0258
ECB Rate	10.8215
AIB & ECB % Difference	01.89

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8894
ECB Rate	00.8726
AIB & ECB % Difference	01.92

*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.