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

Purchases - Debit Card

Conversion rates
Last Updated : 19 Sep 2025, 22:21
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) 24.8309 24.2920 02.22
Denmark Krone (DKK) 07.5956 07.4635 01.77
Hungary Forint (HUF) 400.1979 390.5500 02.47
Iceland Krona (ISK) 146.7378 143.0000 02.61
Liechtenstein Swiss Franc (CHF) 00.9509 00.9344 01.77
Norway Krone (NOK) 11.8767 11.6705 01.77
Poland Zloty (PLN) 04.3411 04.2630 01.83
Romania Leu (RON) 05.2051 05.0750 02.56
Sweden Krona (SEK) 11.2416 11.0705 01.55
United Kingdom Pound Sterling (GBP) 00.8854 00.8708 01.68
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) 24.8309
ECB Rate 24.2920
AIB & ECB % Difference 02.22
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.5956
ECB Rate 07.4635
AIB & ECB % Difference 01.77
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 400.1979
ECB Rate 390.5500
AIB & ECB % Difference 02.47
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 146.7378
ECB Rate 143.0000
AIB & ECB % Difference 02.61
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9509
ECB Rate 00.9344
AIB & ECB % Difference 01.77
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.8767
ECB Rate 11.6705
AIB & ECB % Difference 01.77
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3411
ECB Rate 04.2630
AIB & ECB % Difference 01.83
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2051
ECB Rate 05.0750
AIB & ECB % Difference 02.56
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.2416
ECB Rate 11.0705
AIB & ECB % Difference 01.55
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8854
ECB Rate 00.8708
AIB & ECB % Difference 01.68

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 19 Sep 2025, 22:21
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) 25.0139 24.2920 02.97
Denmark Krone (DKK) 07.6516 07.4635 02.52
Hungary Forint (HUF) 403.1478 390.5500 03.23
Iceland Krona (ISK) 147.8194 143.0000 03.37
Liechtenstein Swiss Franc (CHF) 00.9579 00.9344 02.52
Norway Krone (NOK) 11.9643 11.6705 02.52
Poland Zloty (PLN) 04.3731 04.2630 02.58
Romania Leu (RON) 05.2434 05.0750 03.32
Sweden Krona (SEK) 11.3245 11.0705 02.29
United Kingdom Pound Sterling (GBP) 00.8920 00.8708 02.43
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) 25.0139
ECB Rate 24.2920
AIB & ECB % Difference 02.97
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6516
ECB Rate 07.4635
AIB & ECB % Difference 02.52
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 403.1478
ECB Rate 390.5500
AIB & ECB % Difference 03.23
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 147.8194
ECB Rate 143.0000
AIB & ECB % Difference 03.37
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9579
ECB Rate 00.9344
AIB & ECB % Difference 02.52
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.9643
ECB Rate 11.6705
AIB & ECB % Difference 02.52
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3731
ECB Rate 04.2630
AIB & ECB % Difference 02.58
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2434
ECB Rate 05.0750
AIB & ECB % Difference 03.32
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.3245
ECB Rate 11.0705
AIB & ECB % Difference 02.29
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8920
ECB Rate 00.8708
AIB & ECB % Difference 02.43

*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.