Find a branch

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

Purchases - Debit Card

Conversion rates
Last Updated : 31 Oct 2025, 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 01.9558 01.75
Czech Republic Koruna (CZK) 24.8829 24.3270 02.29
Denmark Krone (DKK) 07.5993 07.4677 01.76
Hungary Forint (HUF) 399.2883 388.1000 02.88
Iceland Krona (ISK) 148.3878 144.8000 02.48
Liechtenstein Swiss Franc (CHF) 00.9454 00.9287 01.79
Norway Krone (NOK) 11.8901 11.6485 02.07
Poland Zloty (PLN) 04.3290 04.2560 01.71
Romania Leu (RON) 05.2188 05.0858 02.62
Sweden Krona (SEK) 11.1386 10.9250 01.96
United Kingdom Pound Sterling (GBP) 00.8971 00.8816 01.75
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) 24.8829
ECB Rate 24.3270
AIB & ECB % Difference 02.29
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.5993
ECB Rate 07.4677
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 399.2883
ECB Rate 388.1000
AIB & ECB % Difference 02.88
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 148.3878
ECB Rate 144.8000
AIB & ECB % Difference 02.48
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9454
ECB Rate 00.9287
AIB & ECB % Difference 01.79
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.8901
ECB Rate 11.6485
AIB & ECB % Difference 02.07
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3290
ECB Rate 04.2560
AIB & ECB % Difference 01.71
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2188
ECB Rate 05.0858
AIB & ECB % Difference 02.62
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.1386
ECB Rate 10.9250
AIB & ECB % Difference 01.96
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8971
ECB Rate 00.8816
AIB & ECB % Difference 01.75

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 31 Oct 2025, 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 01.9558 02.50
Czech Republic Koruna (CZK) 25.0663 24.3270 03.04
Denmark Krone (DKK) 07.6553 07.4677 02.51
Hungary Forint (HUF) 402.2315 388.1000 03.64
Iceland Krona (ISK) 149.4815 144.8000 03.23
Liechtenstein Swiss Franc (CHF) 00.9523 00.9287 02.54
Norway Krone (NOK) 11.9777 11.6485 02.83
Poland Zloty (PLN) 04.3609 04.2560 02.46
Romania Leu (RON) 05.2573 05.0858 03.37
Sweden Krona (SEK) 11.2207 10.9250 02.71
United Kingdom Pound Sterling (GBP) 00.9037 00.8816 02.50
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.50% bank fee) 02.0047
ECB Rate 01.9558
AIB & ECB % Difference 02.50
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.50% bank fee) 25.0663
ECB Rate 24.3270
AIB & ECB % Difference 03.04
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6553
ECB Rate 07.4677
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 402.2315
ECB Rate 388.1000
AIB & ECB % Difference 03.64
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 149.4815
ECB Rate 144.8000
AIB & ECB % Difference 03.23
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9523
ECB Rate 00.9287
AIB & ECB % Difference 02.54
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.9777
ECB Rate 11.6485
AIB & ECB % Difference 02.83
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3609
ECB Rate 04.2560
AIB & ECB % Difference 02.46
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2573
ECB Rate 05.0858
AIB & ECB % Difference 03.37
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.2207
ECB Rate 10.9250
AIB & ECB % Difference 02.71
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9037
ECB Rate 00.8816
AIB & ECB % Difference 02.50

*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.