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

Purchases - Debit Card

Conversion rates
Last Updated : 10 Dec 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) 24.7519 24.2450 02.09
Denmark Krone (DKK) 07.6004 07.4691 01.76
Hungary Forint (HUF) 392.7743 383.8000 02.34
Iceland Krona (ISK) 152.0234 148.6000 02.30
Liechtenstein Swiss Franc (CHF) 00.9565 00.9356 02.23
Norway Krone (NOK) 12.0284 11.8090 01.86
Poland Zloty (PLN) 04.3200 04.2248 02.25
Romania Leu (RON) 05.2021 05.0875 02.25
Sweden Krona (SEK) 11.1444 10.8580 02.64
United Kingdom Pound Sterling (GBP) 00.8901 00.8741 01.83
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) 24.7519
ECB Rate 24.2450
AIB & ECB % Difference 02.09
Denmark Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee) 07.6004
ECB Rate 07.4691
AIB & ECB % Difference 01.76
Hungary Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee) 392.7743
ECB Rate 383.8000
AIB & ECB % Difference 02.34
Iceland Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee) 152.0234
ECB Rate 148.6000
AIB & ECB % Difference 02.30
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee) 00.9565
ECB Rate 00.9356
AIB & ECB % Difference 02.23
Norway Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee) 12.0284
ECB Rate 11.8090
AIB & ECB % Difference 01.86
Poland Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee) 04.3200
ECB Rate 04.2248
AIB & ECB % Difference 02.25
Romania Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee) 05.2021
ECB Rate 05.0875
AIB & ECB % Difference 02.25
Sweden Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee) 11.1444
ECB Rate 10.8580
AIB & ECB % Difference 02.64
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee) 00.8901
ECB Rate 00.8741
AIB & ECB % Difference 01.83

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

Cash Withdrawals - Debit Card

Conversion rates
Last Updated : 10 Dec 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) 24.9344 24.2450 02.84
Denmark Krone (DKK) 07.6564 07.4691 02.51
Hungary Forint (HUF) 395.6694 383.8000 03.09
Iceland Krona (ISK) 153.1440 148.6000 03.06
Liechtenstein Swiss Franc (CHF) 00.9635 00.9356 02.99
Norway Krone (NOK) 12.1171 11.8090 02.61
Poland Zloty (PLN) 04.3518 04.2248 03.01
Romania Leu (RON) 05.2404 05.0875 03.01
Sweden Krona (SEK) 11.2265 10.8580 03.39
United Kingdom Pound Sterling (GBP) 00.8967 00.8741 02.58
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) 24.9344
ECB Rate 24.2450
AIB & ECB % Difference 02.84
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.50% bank fee) 07.6564
ECB Rate 07.4691
AIB & ECB % Difference 02.51
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.50% bank fee) 395.6694
ECB Rate 383.8000
AIB & ECB % Difference 03.09
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.50% bank fee) 153.1440
ECB Rate 148.6000
AIB & ECB % Difference 03.06
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.50% bank fee) 00.9635
ECB Rate 00.9356
AIB & ECB % Difference 02.99
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.50% bank fee) 12.1171
ECB Rate 11.8090
AIB & ECB % Difference 02.61
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.50% bank fee) 04.3518
ECB Rate 04.2248
AIB & ECB % Difference 03.01
Romania Leu (RON)
AIB Rate* (Inclusive of 2.50% bank fee) 05.2404
ECB Rate 05.0875
AIB & ECB % Difference 03.01
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.50% bank fee) 11.2265
ECB Rate 10.8580
AIB & ECB % Difference 03.39
United Kingdom Pound Sterling (GBP)
AIB Rate* (Inclusive of 2.50% bank fee) 00.8967
ECB Rate 00.8741
AIB & ECB % Difference 02.58

*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.