Find a branch

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

Purchases - Debit Card

Conversion rates
Last Updated : 19 Jan 2026, 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
Czech Republic Koruna (CZK) 24.7477 24.2900 01.88
Denmark Krone (DKK) 07.6030 07.4717 01.76
Hungary Forint (HUF) 394.1298 386.1500 02.07
Iceland Krona (ISK) 149.2423 146.2000 02.08
Liechtenstein Swiss Franc (CHF) 00.9502 00.9282 02.37
Norway Krone (NOK) 11.9616 11.7295 01.98
Poland Zloty (PLN) 04.3021 04.2253 01.82
Romania Leu (RON) 05.2017 05.0920 02.15
Sweden Krona (SEK) 10.9239 10.7300 01.81
United Kingdom Pound Sterling (GBP) 00.8837 00.8671 01.91
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) 24.7477
ECB Rate 24.2900
AIB & ECB % Difference 01.88
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6030
ECB Rate 07.4717
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 394.1298
ECB Rate 386.1500
AIB & ECB % Difference 02.07
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 149.2423
ECB Rate 146.2000
AIB & ECB % Difference 02.08
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9502
ECB Rate 00.9282
AIB & ECB % Difference 02.37
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.9616
ECB Rate 11.7295
AIB & ECB % Difference 01.98
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3021
ECB Rate 04.2253
AIB & ECB % Difference 01.82
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2017
ECB Rate 05.0920
AIB & ECB % Difference 02.15
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 10.9239
ECB Rate 10.7300
AIB & ECB % Difference 01.81
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8837
ECB Rate 00.8671
AIB & ECB % Difference 01.91

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 19 Jan 2026, 22:21
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) 24.9301 24.2900 02.64
Denmark Krone (DKK) 07.6590 07.4717 02.51
Hungary Forint (HUF) 397.0349 386.1500 02.82
Iceland Krona (ISK) 150.3423 146.2000 02.83
Liechtenstein Swiss Franc (CHF) 00.9572 00.9282 03.12
Norway Krone (NOK) 12.0497 11.7295 02.73
Poland Zloty (PLN) 04.3338 04.2253 02.57
Romania Leu (RON) 05.2400 05.0920 02.91
Sweden Krona (SEK) 11.0045 10.7300 02.56
United Kingdom Pound Sterling (GBP) 00.8902 00.8671 02.67
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) 24.9301
ECB Rate 24.2900
AIB & ECB % Difference 02.64
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6590
ECB Rate 07.4717
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 397.0349
ECB Rate 386.1500
AIB & ECB % Difference 02.82
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 150.3423
ECB Rate 146.2000
AIB & ECB % Difference 02.83
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9572
ECB Rate 00.9282
AIB & ECB % Difference 03.12
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.0497
ECB Rate 11.7295
AIB & ECB % Difference 02.73
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3338
ECB Rate 04.2253
AIB & ECB % Difference 02.57
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2400
ECB Rate 05.0920
AIB & ECB % Difference 02.91
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.0045
ECB Rate 10.7300
AIB & ECB % Difference 02.56
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8902
ECB Rate 00.8671
AIB & ECB % Difference 02.67

*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.