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

Purchases - Debit Card

Conversion rates
Last Updated : 12 Dec 2025, 22:22
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) 24.7626 24.2390 02.16
Denmark Krone (DKK) 07.6003 07.4698 01.75
Hungary Forint (HUF) 394.2508 384.4300 02.55
Iceland Krona (ISK) 151.1434 148.4000 01.85
Liechtenstein Swiss Franc (CHF) 00.9524 00.9333 02.05
Norway Krone (NOK) 12.0707 11.8560 01.81
Poland Zloty (PLN) 04.3065 04.2225 01.99
Romania Leu (RON) 05.2202 05.0904 02.55
Sweden Krona (SEK) 11.0655 10.8865 01.64
United Kingdom Pound Sterling (GBP) 00.8925 00.8767 01.80
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) 24.7626
ECB Rate 24.2390
AIB & ECB % Difference 02.16
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6003
ECB Rate 07.4698
AIB & ECB % Difference 01.75
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 394.2508
ECB Rate 384.4300
AIB & ECB % Difference 02.55
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 151.1434
ECB Rate 148.4000
AIB & ECB % Difference 01.85
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9524
ECB Rate 00.9333
AIB & ECB % Difference 02.05
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 12.0707
ECB Rate 11.8560
AIB & ECB % Difference 01.81
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3065
ECB Rate 04.2225
AIB & ECB % Difference 01.99
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2202
ECB Rate 05.0904
AIB & ECB % Difference 02.55
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.0655
ECB Rate 10.8865
AIB & ECB % Difference 01.64
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8925
ECB Rate 00.8767
AIB & ECB % Difference 01.80

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 12 Dec 2025, 22:22
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) 24.9452 24.2390 02.91
Denmark Krone (DKK) 07.6563 07.4698 02.50
Hungary Forint (HUF) 397.1568 384.4300 03.31
Iceland Krona (ISK) 152.2575 148.4000 02.60
Liechtenstein Swiss Franc (CHF) 00.9594 00.9333 02.80
Norway Krone (NOK) 12.1597 11.8560 02.56
Poland Zloty (PLN) 04.3382 04.2225 02.74
Romania Leu (RON) 05.2586 05.0904 03.31
Sweden Krona (SEK) 11.1470 10.8865 02.39
United Kingdom Pound Sterling (GBP) 00.8990 00.8767 02.55
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) 24.9452
ECB Rate 24.2390
AIB & ECB % Difference 02.91
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6563
ECB Rate 07.4698
AIB & ECB % Difference 02.50
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 397.1568
ECB Rate 384.4300
AIB & ECB % Difference 03.31
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 152.2575
ECB Rate 148.4000
AIB & ECB % Difference 02.60
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9594
ECB Rate 00.9333
AIB & ECB % Difference 02.80
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.1597
ECB Rate 11.8560
AIB & ECB % Difference 02.56
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3382
ECB Rate 04.2225
AIB & ECB % Difference 02.74
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2586
ECB Rate 05.0904
AIB & ECB % Difference 03.31
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.1470
ECB Rate 10.8865
AIB & ECB % Difference 02.39
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8990
ECB Rate 00.8767
AIB & ECB % Difference 02.55

*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.