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Exchange rates for non-Euro EU/EEA currencies on Debit cards

Purchases - Debit Card

Conversion rates
Last Updated : 04 Mar 2026, 22:20
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) 24.8832 24.3600 02.15
Denmark Krone (DKK) 07.6028 07.4715 01.76
Hungary Forint (HUF) 400.0736 384.3300 04.10
Iceland Krona (ISK) 148.3399 144.7000 02.52
Liechtenstein Swiss Franc (CHF) 00.9292 00.9082 02.31
Norway Krone (NOK) 11.5024 11.2385 02.35
Poland Zloty (PLN) 04.3838 04.2588 02.93
Romania Leu (RON) 05.2779 05.0925 03.64
Sweden Krona (SEK) 10.9814 10.6785 02.84
United Kingdom Pound Sterling (GBP) 00.8892 00.8705 02.15
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) 24.8832
ECB Rate 24.3600
AIB & ECB % Difference 02.15
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6028
ECB Rate 07.4715
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 400.0736
ECB Rate 384.3300
AIB & ECB % Difference 04.10
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 148.3399
ECB Rate 144.7000
AIB & ECB % Difference 02.52
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9292
ECB Rate 00.9082
AIB & ECB % Difference 02.31
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.5024
ECB Rate 11.2385
AIB & ECB % Difference 02.35
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3838
ECB Rate 04.2588
AIB & ECB % Difference 02.93
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2779
ECB Rate 05.0925
AIB & ECB % Difference 03.64
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 10.9814
ECB Rate 10.6785
AIB & ECB % Difference 02.84
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8892
ECB Rate 00.8705
AIB & ECB % Difference 02.15

*AIB rate is the Visa rate plus the currency conversion fee

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 04 Mar 2026, 22:20
Non-Euro EU Member Currency AIB Rate* (Inclusive of 2.50% bank fee) ECB Rate AIB & ECB % Difference
Bulgaria Lev (BGN) 02.0047
Czech Republic Koruna (CZK) 25.0667 24.3600 02.90
Denmark Krone (DKK) 07.6588 07.4715 02.51
Hungary Forint (HUF) 403.0226 384.3300 04.86
Iceland Krona (ISK) 149.4333 144.7000 03.27
Liechtenstein Swiss Franc (CHF) 00.9360 00.9082 03.06
Norway Krone (NOK) 11.5872 11.2385 03.10
Poland Zloty (PLN) 04.4161 04.2588 03.69
Romania Leu (RON) 05.3168 05.0925 04.40
Sweden Krona (SEK) 11.0623 10.6785 03.59
United Kingdom Pound Sterling (GBP) 00.8958 00.8705 02.90
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.50% bank fee) 02.0047
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.50% bank fee) 25.0667
ECB Rate 24.3600
AIB & ECB % Difference 02.90
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6588
ECB Rate 07.4715
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 403.0226
ECB Rate 384.3300
AIB & ECB % Difference 04.86
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 149.4333
ECB Rate 144.7000
AIB & ECB % Difference 03.27
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9360
ECB Rate 00.9082
AIB & ECB % Difference 03.06
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.5872
ECB Rate 11.2385
AIB & ECB % Difference 03.10
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.4161
ECB Rate 04.2588
AIB & ECB % Difference 03.69
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.3168
ECB Rate 05.0925
AIB & ECB % Difference 04.40
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.0623
ECB Rate 10.6785
AIB & ECB % Difference 03.59
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8958
ECB Rate 00.8705
AIB & ECB % Difference 02.90

*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 Debit card.

Transaction Type 

Cash Withdrawals

Using a Debit Card for purchases in a foreign currency
(no minimum fee applies for Contactless transactions)

Currency Conversion Fee (non-euro)

2.50% of euro value

1.75% of euro value
Min. €0.45 – Max. €11.00

 

Key Information:

 

  • All foreign exchange rates in the above table are updated twice daily, on any business day
  • In addition to the fees above, account transaction fes may also apply
  • When you use your Debit 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.