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

Purchases - Debit Card

Conversion rates
Last Updated : 13 Feb 2026, 14:56
Non-Euro EU Member Currency AIB Rate* (Inclusive of 1.75% bank fee) ECB Rate AIB & ECB % Difference
Bulgaria Lev (BGN) 01.9901
Czech Republic Koruna (CZK) 24.7272 24.2450 01.99
Denmark Krone (DKK) 07.6024 07.4712 01.76
Hungary Forint (HUF) 388.7721 379.8800 02.34
Iceland Krona (ISK) 148.2024 145.2000 02.07
Liechtenstein Swiss Franc (CHF) 00.9331 00.9142 02.06
Norway Krone (NOK) 11.5424 11.2535 02.57
Poland Zloty (PLN) 04.2966 04.2158 01.92
Romania Leu (RON) 05.2018 05.0928 02.14
Sweden Krona (SEK) 10.7905 10.5670 02.12
United Kingdom Pound Sterling (GBP) 00.8871 00.8711 01.84
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 1.75% bank fee) 01.9901
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 1.75% bank fee) 24.7272
ECB Rate 24.2450
AIB & ECB % Difference 01.99
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6024
ECB Rate 07.4712
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 388.7721
ECB Rate 379.8800
AIB & ECB % Difference 02.34
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 148.2024
ECB Rate 145.2000
AIB & ECB % Difference 02.07
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9331
ECB Rate 00.9142
AIB & ECB % Difference 02.06
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.5424
ECB Rate 11.2535
AIB & ECB % Difference 02.57
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.2966
ECB Rate 04.2158
AIB & ECB % Difference 01.92
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2018
ECB Rate 05.0928
AIB & ECB % Difference 02.14
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 10.7905
ECB Rate 10.5670
AIB & ECB % Difference 02.12
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8871
ECB Rate 00.8711
AIB & ECB % Difference 01.84

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 13 Feb 2026, 14:56
Non-Euro EU Member Currency AIB Rate* (Inclusive of 2.50% bank fee) ECB Rate AIB & ECB % Difference
Bulgaria Lev (BGN) 02.0047
Czech Republic Koruna (CZK) 24.9094 24.2450 02.74
Denmark Krone (DKK) 07.6584 07.4712 02.51
Hungary Forint (HUF) 391.6378 379.8800 03.10
Iceland Krona (ISK) 149.2948 145.2000 02.82
Liechtenstein Swiss Franc (CHF) 00.9399 00.9142 02.82
Norway Krone (NOK) 11.6275 11.2535 03.32
Poland Zloty (PLN) 04.3282 04.2158 02.67
Romania Leu (RON) 05.2401 05.0928 02.89
Sweden Krona (SEK) 10.8700 10.5670 02.87
United Kingdom Pound Sterling (GBP) 00.8936 00.8711 02.59
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.50% bank fee) 02.0047
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.50% bank fee) 24.9094
ECB Rate 24.2450
AIB & ECB % Difference 02.74
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6584
ECB Rate 07.4712
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 391.6378
ECB Rate 379.8800
AIB & ECB % Difference 03.10
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 149.2948
ECB Rate 145.2000
AIB & ECB % Difference 02.82
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9399
ECB Rate 00.9142
AIB & ECB % Difference 02.82
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.6275
ECB Rate 11.2535
AIB & ECB % Difference 03.32
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3282
ECB Rate 04.2158
AIB & ECB % Difference 02.67
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2401
ECB Rate 05.0928
AIB & ECB % Difference 02.89
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 10.8700
ECB Rate 10.5670
AIB & ECB % Difference 02.87
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8936
ECB Rate 00.8711
AIB & ECB % Difference 02.59

*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.