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

Purchases - Debit Card

Conversion rates
Last Updated : 08 Aug 2025, 22:25
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) 25.0677 24.4460 02.54
Denmark Krone (DKK) 07.5959 07.4633 01.78
Hungary Forint (HUF) 407.5565 395.8800 02.95
Iceland Krona (ISK) 146.2747 143.0000 02.29
Liechtenstein Swiss Franc (CHF) 00.9595 00.9410 01.97
Norway Krone (NOK) 12.1513 11.9540 01.65
Poland Zloty (PLN) 04.3584 04.2510 02.53
Romania Leu (RON) 05.2054 05.0724 02.62
Sweden Krona (SEK) 11.4194 11.1780 02.16
United Kingdom Pound Sterling (GBP) 00.8897 00.8671 02.61
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) 25.0677
ECB Rate 24.4460
AIB & ECB % Difference 02.54
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.5959
ECB Rate 07.4633
AIB & ECB % Difference 01.78
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 407.5565
ECB Rate 395.8800
AIB & ECB % Difference 02.95
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 146.2747
ECB Rate 143.0000
AIB & ECB % Difference 02.29
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9595
ECB Rate 00.9410
AIB & ECB % Difference 01.97
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 12.1513
ECB Rate 11.9540
AIB & ECB % Difference 01.65
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3584
ECB Rate 04.2510
AIB & ECB % Difference 02.53
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2054
ECB Rate 05.0724
AIB & ECB % Difference 02.62
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.4194
ECB Rate 11.1780
AIB & ECB % Difference 02.16
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8897
ECB Rate 00.8671
AIB & ECB % Difference 02.61

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 08 Aug 2025, 22:25
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) 25.2525 24.4460 03.30
Denmark Krone (DKK) 07.6519 07.4633 02.53
Hungary Forint (HUF) 410.5606 395.8800 03.71
Iceland Krona (ISK) 147.3529 143.0000 03.04
Liechtenstein Swiss Franc (CHF) 00.9666 00.9410 02.72
Norway Krone (NOK) 12.2409 11.9540 02.40
Poland Zloty (PLN) 04.3905 04.2510 03.28
Romania Leu (RON) 05.2438 05.0724 03.38
Sweden Krona (SEK) 11.5035 11.1780 02.91
United Kingdom Pound Sterling (GBP) 00.8963 00.8671 03.37
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) 25.2525
ECB Rate 24.4460
AIB & ECB % Difference 03.30
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6519
ECB Rate 07.4633
AIB & ECB % Difference 02.53
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 410.5606
ECB Rate 395.8800
AIB & ECB % Difference 03.71
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 147.3529
ECB Rate 143.0000
AIB & ECB % Difference 03.04
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9666
ECB Rate 00.9410
AIB & ECB % Difference 02.72
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.2409
ECB Rate 11.9540
AIB & ECB % Difference 02.40
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3905
ECB Rate 04.2510
AIB & ECB % Difference 03.28
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2438
ECB Rate 05.0724
AIB & ECB % Difference 03.38
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.5035
ECB Rate 11.1780
AIB & ECB % Difference 02.91
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8963
ECB Rate 00.8671
AIB & ECB % Difference 03.37

*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.