Find a branch

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

Purchases - Debit Card

Conversion rates
Last Updated : 20 Nov 2025, 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 01.9558 01.75
Czech Republic Koruna (CZK) 24.6512 24.1790 01.95
Denmark Krone (DKK) 07.6000 07.4691 01.75
Hungary Forint (HUF) 392.1437 382.5000 02.52
Iceland Krona (ISK) 150.4043 146.8000 02.46
Liechtenstein Swiss Franc (CHF) 00.9462 00.9294 01.80
Norway Krone (NOK) 11.9736 11.7405 01.99
Poland Zloty (PLN) 04.3230 04.2320 02.15
Romania Leu (RON) 05.2160 05.0887 02.50
Sweden Krona (SEK) 11.2214 10.9995 02.02
United Kingdom Pound Sterling (GBP) 00.8994 00.8815 02.02
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) 24.6512
ECB Rate 24.1790
AIB & ECB % Difference 01.95
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6000
ECB Rate 07.4691
AIB & ECB % Difference 01.75
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 392.1437
ECB Rate 382.5000
AIB & ECB % Difference 02.52
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 150.4043
ECB Rate 146.8000
AIB & ECB % Difference 02.46
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9462
ECB Rate 00.9294
AIB & ECB % Difference 01.80
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.9736
ECB Rate 11.7405
AIB & ECB % Difference 01.99
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3230
ECB Rate 04.2320
AIB & ECB % Difference 02.15
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2160
ECB Rate 05.0887
AIB & ECB % Difference 02.50
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.2214
ECB Rate 10.9995
AIB & ECB % Difference 02.02
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8994
ECB Rate 00.8815
AIB & ECB % Difference 02.02

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 20 Nov 2025, 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 01.9558 02.50
Czech Republic Koruna (CZK) 24.8329 24.1790 02.70
Denmark Krone (DKK) 07.6561 07.4691 02.50
Hungary Forint (HUF) 395.0342 382.5000 03.28
Iceland Krona (ISK) 151.5129 146.8000 03.21
Liechtenstein Swiss Franc (CHF) 00.9531 00.9294 02.55
Norway Krone (NOK) 12.0619 11.7405 02.74
Poland Zloty (PLN) 04.3548 04.2320 02.90
Romania Leu (RON) 05.2544 05.0887 03.26
Sweden Krona (SEK) 11.3041 10.9995 02.77
United Kingdom Pound Sterling (GBP) 00.9060 00.8815 02.78
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) 24.8329
ECB Rate 24.1790
AIB & ECB % Difference 02.70
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6561
ECB Rate 07.4691
AIB & ECB % Difference 02.50
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 395.0342
ECB Rate 382.5000
AIB & ECB % Difference 03.28
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 151.5129
ECB Rate 146.8000
AIB & ECB % Difference 03.21
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9531
ECB Rate 00.9294
AIB & ECB % Difference 02.55
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.0619
ECB Rate 11.7405
AIB & ECB % Difference 02.74
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3548
ECB Rate 04.2320
AIB & ECB % Difference 02.90
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2544
ECB Rate 05.0887
AIB & ECB % Difference 03.26
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.3041
ECB Rate 10.9995
AIB & ECB % Difference 02.77
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9060
ECB Rate 00.8815
AIB & ECB % Difference 02.78

*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.