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

Conversion rates

Last Updated : 22 Oct 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)	24.8355	24.3080	02.17
Denmark	Krone (DKK)	07.6004	07.4694	01.75
Hungary	Forint (HUF)	398.8727	389.3900	02.44
Iceland	Krona (ISK)	144.7752	141.8000	02.10
Liechtenstein	Swiss Franc (CHF)	00.9413	00.9228	02.00
Norway	Krone (NOK)	11.9593	11.6430	02.72
Poland	Zloty (PLN)	04.3204	04.2312	02.11
Romania	Leu (RON)	05.2012	05.0831	02.32
Sweden	Krona (SEK)	11.2086	10.9160	02.68
United Kingdom	Pound Sterling (GBP)	00.8850	00.8689	01.85

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)	24.8355
ECB Rate	24.3080
AIB & ECB % Difference	02.17

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.6004
ECB Rate	07.4694
AIB & ECB % Difference	01.75

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	398.8727
ECB Rate	389.3900
AIB & ECB % Difference	02.44

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	144.7752
ECB Rate	141.8000
AIB & ECB % Difference	02.10

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9413
ECB Rate	00.9228
AIB & ECB % Difference	02.00

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9593
ECB Rate	11.6430
AIB & ECB % Difference	02.72

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3204
ECB Rate	04.2312
AIB & ECB % Difference	02.11

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2012
ECB Rate	05.0831
AIB & ECB % Difference	02.32

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.2086
ECB Rate	10.9160
AIB & ECB % Difference	02.68

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8850
ECB Rate	00.8689
AIB & ECB % Difference	01.85

*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.