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

Purchases - Debit Card

Conversion rates
Last Updated : 25 Mar 2026, 22:20
Non-Euro EU Member Currency AIB Rate* (Inclusive of 1.75% bank fee) ECB Rate AIB & ECB % Difference
Czech Republic Koruna (CZK) 24.9925 24.4370 02.27
Denmark Krone (DKK) 07.6031 07.4717 01.76
Hungary Forint (HUF) 402.4219 389.1800 03.40
Iceland Krona (ISK) 147.1261 143.4000 02.60
Liechtenstein Swiss Franc (CHF) 00.9330 00.9153 01.93
Norway Krone (NOK) 11.5487 11.2855 02.33
Poland Zloty (PLN) 04.3621 04.2718 02.11
Romania Leu (RON) 05.2194 05.0947 02.45
Sweden Krona (SEK) 11.0581 10.7715 02.66
United Kingdom Pound Sterling (GBP) 00.8813 00.8656 01.81
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 1.75% bank fee) 24.9925
ECB Rate 24.4370
AIB & ECB % Difference 02.27
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6031
ECB Rate 07.4717
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 402.4219
ECB Rate 389.1800
AIB & ECB % Difference 03.40
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 147.1261
ECB Rate 143.4000
AIB & ECB % Difference 02.60
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9330
ECB Rate 00.9153
AIB & ECB % Difference 01.93
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.5487
ECB Rate 11.2855
AIB & ECB % Difference 02.33
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3621
ECB Rate 04.2718
AIB & ECB % Difference 02.11
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2194
ECB Rate 05.0947
AIB & ECB % Difference 02.45
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.0581
ECB Rate 10.7715
AIB & ECB % Difference 02.66
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8813
ECB Rate 00.8656
AIB & ECB % Difference 01.81

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 25 Mar 2026, 22:20
Non-Euro EU Member Currency AIB Rate* (Inclusive of 2.50% bank fee) ECB Rate AIB & ECB % Difference
Czech Republic Koruna (CZK) 25.1767 24.4370 03.03
Denmark Krone (DKK) 07.6591 07.4717 02.51
Hungary Forint (HUF) 405.3881 389.1800 04.16
Iceland Krona (ISK) 148.2105 143.4000 03.35
Liechtenstein Swiss Franc (CHF) 00.9399 00.9153 02.68
Norway Krone (NOK) 11.6338 11.2855 03.09
Poland Zloty (PLN) 04.3942 04.2718 02.87
Romania Leu (RON) 05.2579 05.0947 03.20
Sweden Krona (SEK) 11.1396 10.7715 03.42
United Kingdom Pound Sterling (GBP) 00.8878 00.8656 02.56
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.50% bank fee) 25.1767
ECB Rate 24.4370
AIB & ECB % Difference 03.03
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6591
ECB Rate 07.4717
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 405.3881
ECB Rate 389.1800
AIB & ECB % Difference 04.16
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 148.2105
ECB Rate 143.4000
AIB & ECB % Difference 03.35
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9399
ECB Rate 00.9153
AIB & ECB % Difference 02.68
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.6338
ECB Rate 11.2855
AIB & ECB % Difference 03.09
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3942
ECB Rate 04.2718
AIB & ECB % Difference 02.87
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2579
ECB Rate 05.0947
AIB & ECB % Difference 03.20
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.1396
ECB Rate 10.7715
AIB & ECB % Difference 03.42
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8878
ECB Rate 00.8656
AIB & ECB % Difference 02.56

*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.