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

Conversion rates

Last Updated : 24 Sep 2025, 22:20

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)	24.6952	24.2900	01.67
Denmark	Krone (DKK)	07.5956	07.4639	01.76
Hungary	Forint (HUF)	398.7808	391.0800	01.97
Iceland	Krona (ISK)	145.4531	142.4000	02.14
Liechtenstein	Swiss Franc (CHF)	00.9530	00.9335	02.09
Norway	Krone (NOK)	11.9378	11.6880	02.14
Poland	Zloty (PLN)	04.3382	04.2673	01.66
Romania	Leu (RON)	05.1965	05.0759	02.38
Sweden	Krona (SEK)	11.2713	11.0350	02.14
United Kingdom	Pound Sterling (GBP)	00.8901	00.8731	01.95

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)	24.6952
ECB Rate	24.2900
AIB & ECB % Difference	01.67

Denmark	Krone (DKK)
AIB Rate* (Inclusive of 1.75% bank fee)	07.5956
ECB Rate	07.4639
AIB & ECB % Difference	01.76

Hungary	Forint (HUF)
AIB Rate* (Inclusive of 1.75% bank fee)	398.7808
ECB Rate	391.0800
AIB & ECB % Difference	01.97

Iceland	Krona (ISK)
AIB Rate* (Inclusive of 1.75% bank fee)	145.4531
ECB Rate	142.4000
AIB & ECB % Difference	02.14

Liechtenstein	Swiss Franc (CHF)
AIB Rate* (Inclusive of 1.75% bank fee)	00.9530
ECB Rate	00.9335
AIB & ECB % Difference	02.09

Norway	Krone (NOK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.9378
ECB Rate	11.6880
AIB & ECB % Difference	02.14

Poland	Zloty (PLN)
AIB Rate* (Inclusive of 1.75% bank fee)	04.3382
ECB Rate	04.2673
AIB & ECB % Difference	01.66

Romania	Leu (RON)
AIB Rate* (Inclusive of 1.75% bank fee)	05.1965
ECB Rate	05.0759
AIB & ECB % Difference	02.38

Sweden	Krona (SEK)
AIB Rate* (Inclusive of 1.75% bank fee)	11.2713
ECB Rate	11.0350
AIB & ECB % Difference	02.14

United Kingdom	Pound Sterling (GBP)
AIB Rate* (Inclusive of 1.75% bank fee)	00.8901
ECB Rate	00.8731
AIB & ECB % Difference	01.95

*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.