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

Purchases - Debit Card

Conversion rates
Last Updated : 18 Jul 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) 25.1191 24.6230 02.01
Denmark Krone (DKK) 07.5947 07.4636 01.76
Hungary Forint (HUF) 409.8006 399.0600 02.69
Iceland Krona (ISK) 145.0421 142.0000 02.14
Liechtenstein Swiss Franc (CHF) 00.9502 00.9324 01.91
Norway Krone (NOK) 12.2000 11.8335 03.10
Poland Zloty (PLN) 04.3436 04.2493 02.22
Romania Leu (RON) 05.2048 05.0728 02.60
Sweden Krona (SEK) 11.5343 11.2505 02.52
United Kingdom Pound Sterling (GBP) 00.8833 00.8656 02.05
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) 25.1191
ECB Rate 24.6230
AIB & ECB % Difference 02.01
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.5947
ECB Rate 07.4636
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 409.8006
ECB Rate 399.0600
AIB & ECB % Difference 02.69
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 145.0421
ECB Rate 142.0000
AIB & ECB % Difference 02.14
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9502
ECB Rate 00.9324
AIB & ECB % Difference 01.91
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 12.2000
ECB Rate 11.8335
AIB & ECB % Difference 03.10
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3436
ECB Rate 04.2493
AIB & ECB % Difference 02.22
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2048
ECB Rate 05.0728
AIB & ECB % Difference 02.60
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.5343
ECB Rate 11.2505
AIB & ECB % Difference 02.52
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8833
ECB Rate 00.8656
AIB & ECB % Difference 02.05

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 18 Jul 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) 25.3042 24.6230 02.77
Denmark Krone (DKK) 07.6507 07.4636 02.51
Hungary Forint (HUF) 412.8213 399.0600 03.45
Iceland Krona (ISK) 146.1112 142.0000 02.90
Liechtenstein Swiss Franc (CHF) 00.9572 00.9324 02.66
Norway Krone (NOK) 12.2900 11.8335 03.86
Poland Zloty (PLN) 04.3756 04.2493 02.97
Romania Leu (RON) 05.2431 05.0728 03.36
Sweden Krona (SEK) 11.6193 11.2505 03.28
United Kingdom Pound Sterling (GBP) 00.8898 00.8656 02.80
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) 25.3042
ECB Rate 24.6230
AIB & ECB % Difference 02.77
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6507
ECB Rate 07.4636
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 412.8213
ECB Rate 399.0600
AIB & ECB % Difference 03.45
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 146.1112
ECB Rate 142.0000
AIB & ECB % Difference 02.90
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9572
ECB Rate 00.9324
AIB & ECB % Difference 02.66
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.2900
ECB Rate 11.8335
AIB & ECB % Difference 03.86
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3756
ECB Rate 04.2493
AIB & ECB % Difference 02.97
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2431
ECB Rate 05.0728
AIB & ECB % Difference 03.36
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.6193
ECB Rate 11.2505
AIB & ECB % Difference 03.28
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8898
ECB Rate 00.8656
AIB & ECB % Difference 02.80

*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.