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

Purchases - Debit Card

Conversion rates
Last Updated : 10 Oct 2025, 22:23
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) 24.8745 24.2990 02.37
Denmark Krone (DKK) 07.5984 07.4672 01.76
Hungary Forint (HUF) 401.9522 390.4900 02.94
Iceland Krona (ISK) 145.3639 141.6000 02.66
Liechtenstein Swiss Franc (CHF) 00.9498 00.9324 01.86
Norway Krone (NOK) 11.8627 11.6775 01.59
Poland Zloty (PLN) 04.3353 04.2576 01.83
Romania Leu (RON) 05.2396 05.0928 02.88
Sweden Krona (SEK) 11.2374 11.0080 02.08
United Kingdom Pound Sterling (GBP) 00.8851 00.8709 01.63
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) 24.8745
ECB Rate 24.2990
AIB & ECB % Difference 02.37
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.5984
ECB Rate 07.4672
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 401.9522
ECB Rate 390.4900
AIB & ECB % Difference 02.94
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 145.3639
ECB Rate 141.6000
AIB & ECB % Difference 02.66
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9498
ECB Rate 00.9324
AIB & ECB % Difference 01.86
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.8627
ECB Rate 11.6775
AIB & ECB % Difference 01.59
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3353
ECB Rate 04.2576
AIB & ECB % Difference 01.83
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2396
ECB Rate 05.0928
AIB & ECB % Difference 02.88
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.2374
ECB Rate 11.0080
AIB & ECB % Difference 02.08
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8851
ECB Rate 00.8709
AIB & ECB % Difference 01.63

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 10 Oct 2025, 22:23
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) 25.0579 24.2990 03.12
Denmark Krone (DKK) 07.6544 07.4672 02.51
Hungary Forint (HUF) 404.9150 390.4900 03.69
Iceland Krona (ISK) 146.4354 141.6000 03.41
Liechtenstein Swiss Franc (CHF) 00.9568 00.9324 02.61
Norway Krone (NOK) 11.9501 11.6775 02.33
Poland Zloty (PLN) 04.3673 04.2576 02.58
Romania Leu (RON) 05.2783 05.0928 03.64
Sweden Krona (SEK) 11.3203 11.0080 02.84
United Kingdom Pound Sterling (GBP) 00.8916 00.8709 02.38
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) 25.0579
ECB Rate 24.2990
AIB & ECB % Difference 03.12
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6544
ECB Rate 07.4672
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 404.9150
ECB Rate 390.4900
AIB & ECB % Difference 03.69
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 146.4354
ECB Rate 141.6000
AIB & ECB % Difference 03.41
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9568
ECB Rate 00.9324
AIB & ECB % Difference 02.61
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.9501
ECB Rate 11.6775
AIB & ECB % Difference 02.33
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3673
ECB Rate 04.2576
AIB & ECB % Difference 02.58
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2783
ECB Rate 05.0928
AIB & ECB % Difference 03.64
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.3203
ECB Rate 11.0080
AIB & ECB % Difference 02.84
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8916
ECB Rate 00.8709
AIB & ECB % Difference 02.38

*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.