Exchange rates for non-Euro EU/EEA currencies on Credit card

Conversion rates

Last Updated : 01 Aug 2025, 22:22

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)	25.0814	24.5880	02.01
Denmark	Krone (DKK)	07.5951	07.4629	01.77
Hungary	Forint (HUF)	410.0440	400.1500	02.47
Iceland	Krona (ISK)	145.2690	143.0000	01.59
Liechtenstein	Swiss Franc (CHF)	00.9472	00.9312	01.72
Norway	Krone (NOK)	12.0382	11.8128	01.91
Poland	Zloty (PLN)	04.3539	04.2755	01.83
Romania	Leu (RON)	05.2015	05.0750	02.49
Sweden	Krona (SEK)	11.3946	11.1965	01.77
United Kingdom	Pound Sterling (GBP)	00.8812	00.8665	01.69

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)	25.0814
ECB Rate	24.5880
AIB & ECB % Difference	02.01

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5951
ECB Rate	07.4629
AIB & ECB % Difference	01.77

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	410.0440
ECB Rate	400.1500
AIB & ECB % Difference	02.47

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	145.2690
ECB Rate	143.0000
AIB & ECB % Difference	01.59

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9472
ECB Rate	00.9312
AIB & ECB % Difference	01.72

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	12.0382
ECB Rate	11.8128
AIB & ECB % Difference	01.91

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3539
ECB Rate	04.2755
AIB & ECB % Difference	01.83

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.2015
ECB Rate	05.0750
AIB & ECB % Difference	02.49

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.3946
ECB Rate	11.1965
AIB & ECB % Difference	01.77

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8812
ECB Rate	00.8665
AIB & ECB % Difference	01.69

*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 Credit card.

FX Transactions - Visa Europe Region	FX Transactions - Visa Rest of the World
1.75% of transaction value	2.75% of transaction value

All foreign exchange rates in the above table are updated twice daily, on any business day
When you use your Credit 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.