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

Purchases - Debit Card

Conversion rates
Last Updated : 23 Jan 2026, 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
Czech Republic Koruna (CZK) 24.7946 24.2570 02.22
Denmark Krone (DKK) 07.6022 07.4686 01.79
Hungary Forint (HUF) 394.5283 382.1500 03.24
Iceland Krona (ISK) 148.9248 146.0000 02.00
Liechtenstein Swiss Franc (CHF) 00.9468 00.9277 02.06
Norway Krone (NOK) 11.8584 11.5420 02.74
Poland Zloty (PLN) 04.3009 04.2035 02.32
Romania Leu (RON) 05.2297 05.0945 02.65
Sweden Krona (SEK) 10.8491 10.5705 02.64
United Kingdom Pound Sterling (GBP) 00.8888 00.8681 02.38
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) 24.7946
ECB Rate 24.2570
AIB & ECB % Difference 02.22
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6022
ECB Rate 07.4686
AIB & ECB % Difference 01.79
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 394.5283
ECB Rate 382.1500
AIB & ECB % Difference 03.24
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 148.9248
ECB Rate 146.0000
AIB & ECB % Difference 02.00
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9468
ECB Rate 00.9277
AIB & ECB % Difference 02.06
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.8584
ECB Rate 11.5420
AIB & ECB % Difference 02.74
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3009
ECB Rate 04.2035
AIB & ECB % Difference 02.32
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2297
ECB Rate 05.0945
AIB & ECB % Difference 02.65
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 10.8491
ECB Rate 10.5705
AIB & ECB % Difference 02.64
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8888
ECB Rate 00.8681
AIB & ECB % Difference 02.38

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 23 Jan 2026, 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
Czech Republic Koruna (CZK) 24.9774 24.2570 02.97
Denmark Krone (DKK) 07.6582 07.4686 02.54
Hungary Forint (HUF) 397.4364 382.1500 04.00
Iceland Krona (ISK) 150.0225 146.0000 02.76
Liechtenstein Swiss Franc (CHF) 00.9538 00.9277 02.81
Norway Krone (NOK) 11.9458 11.5420 03.50
Poland Zloty (PLN) 04.3326 04.2035 03.07
Romania Leu (RON) 05.2683 05.0945 03.41
Sweden Krona (SEK) 10.9291 10.5705 03.39
United Kingdom Pound Sterling (GBP) 00.8953 00.8681 03.14
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) 24.9774
ECB Rate 24.2570
AIB & ECB % Difference 02.97
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6582
ECB Rate 07.4686
AIB & ECB % Difference 02.54
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 397.4364
ECB Rate 382.1500
AIB & ECB % Difference 04.00
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 150.0225
ECB Rate 146.0000
AIB & ECB % Difference 02.76
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9538
ECB Rate 00.9277
AIB & ECB % Difference 02.81
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.9458
ECB Rate 11.5420
AIB & ECB % Difference 03.50
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3326
ECB Rate 04.2035
AIB & ECB % Difference 03.07
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2683
ECB Rate 05.0945
AIB & ECB % Difference 03.41
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 10.9291
ECB Rate 10.5705
AIB & ECB % Difference 03.39
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8953
ECB Rate 00.8681
AIB & ECB % Difference 03.14

*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.