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

Purchases - Debit Card

Conversion rates
Last Updated : 29 Aug 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) 25.0564 24.4580 02.45
Denmark Krone (DKK) 07.5960 07.4642 01.77
Hungary Forint (HUF) 406.9512 396.9000 02.53
Iceland Krona (ISK) 145.7973 143.0000 01.96
Liechtenstein Swiss Franc (CHF) 00.9535 00.9364 01.83
Norway Krone (NOK) 11.9869 11.7465 02.05
Poland Zloty (PLN) 04.3525 04.2665 02.02
Romania Leu (RON) 05.1911 05.0728 02.33
Sweden Krona (SEK) 11.3046 11.0550 02.26
United Kingdom Pound Sterling (GBP) 00.8803 00.8668 01.55
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) 25.0564
ECB Rate 24.4580
AIB & ECB % Difference 02.45
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.5960
ECB Rate 07.4642
AIB & ECB % Difference 01.77
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 406.9512
ECB Rate 396.9000
AIB & ECB % Difference 02.53
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 145.7973
ECB Rate 143.0000
AIB & ECB % Difference 01.96
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9535
ECB Rate 00.9364
AIB & ECB % Difference 01.83
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.9869
ECB Rate 11.7465
AIB & ECB % Difference 02.05
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3525
ECB Rate 04.2665
AIB & ECB % Difference 02.02
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.1911
ECB Rate 05.0728
AIB & ECB % Difference 02.33
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.3046
ECB Rate 11.0550
AIB & ECB % Difference 02.26
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8803
ECB Rate 00.8668
AIB & ECB % Difference 01.55

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 29 Aug 2025, 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 01.9558 02.50
Czech Republic Koruna (CZK) 25.2411 24.4580 03.20
Denmark Krone (DKK) 07.6520 07.4642 02.52
Hungary Forint (HUF) 409.9508 396.9000 03.29
Iceland Krona (ISK) 146.8720 143.0000 02.71
Liechtenstein Swiss Franc (CHF) 00.9606 00.9364 02.58
Norway Krone (NOK) 12.0752 11.7465 02.80
Poland Zloty (PLN) 04.3846 04.2665 02.77
Romania Leu (RON) 05.2293 05.0728 03.09
Sweden Krona (SEK) 11.3880 11.0550 03.01
United Kingdom Pound Sterling (GBP) 00.8868 00.8668 02.30
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) 25.2411
ECB Rate 24.4580
AIB & ECB % Difference 03.20
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6520
ECB Rate 07.4642
AIB & ECB % Difference 02.52
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 409.9508
ECB Rate 396.9000
AIB & ECB % Difference 03.29
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 146.8720
ECB Rate 143.0000
AIB & ECB % Difference 02.71
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9606
ECB Rate 00.9364
AIB & ECB % Difference 02.58
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.0752
ECB Rate 11.7465
AIB & ECB % Difference 02.80
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3846
ECB Rate 04.2665
AIB & ECB % Difference 02.77
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2293
ECB Rate 05.0728
AIB & ECB % Difference 03.09
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.3880
ECB Rate 11.0550
AIB & ECB % Difference 03.01
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8868
ECB Rate 00.8668
AIB & ECB % Difference 02.30

*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.