Exchange rates for EU/EEA currencies on Credit cards

Conversion rates
Last Updated : 18 Feb 2026, 09:56
Non-Eurozone EU Member Currency AIB Rate* (Inclusive of 2.75% bank fee) ECB Rate AIB & ECB % Difference
Non-Sterling EU Member Euro (EUR) 01.1831 01.1451 03.32
Bulgaria Lev (BGN) 02.3234
Czech Republic Koruna (CZK) 28.7250 27.7980 03.33
Denmark Krone (DKK) 08.8415 08.5544 03.36
Hungary Forint (HUF) 450.0586 433.3333 03.86
Iceland Krona (ISK) 172.0113 166.0369 03.60
Liechtenstein Swiss Franc (CHF) 01.0809 01.0439 03.55
Norway Krone (NOK) 13.3721 12.9182 03.51
Poland Zloty (PLN) 04.9897 04.8251 03.41
Romania Leu (RON) 06.0576 05.8361 03.79
Sweden Krona (SEK) 12.5753 12.1928 03.14
Non-Sterling EU Member Euro (EUR)
AIB Rate* (Inclusive of 2.75% bank fee) 01.1831
ECB Rate 01.1451
AIB & ECB % Difference 03.32
Bulgaria Lev (BGN)
AIB Rate* (Inclusive of 2.75% bank fee) 02.3234
ECB Rate
AIB & ECB % Difference
Czech Republic Koruna (CZK)
AIB Rate* (Inclusive of 2.75% bank fee) 28.7250
ECB Rate 27.7980
AIB & ECB % Difference 03.33
Denmark Krone (DKK)
AIB Rate* (Inclusive of 2.75% bank fee) 08.8415
ECB Rate 08.5544
AIB & ECB % Difference 03.36
Hungary Forint (HUF)
AIB Rate* (Inclusive of 2.75% bank fee) 450.0586
ECB Rate 433.3333
AIB & ECB % Difference 03.86
Iceland Krona (ISK)
AIB Rate* (Inclusive of 2.75% bank fee) 172.0113
ECB Rate 166.0369
AIB & ECB % Difference 03.60
Liechtenstein Swiss Franc (CHF)
AIB Rate* (Inclusive of 2.75% bank fee) 01.0809
ECB Rate 01.0439
AIB & ECB % Difference 03.55
Norway Krone (NOK)
AIB Rate* (Inclusive of 2.75% bank fee) 13.3721
ECB Rate 12.9182
AIB & ECB % Difference 03.51
Poland Zloty (PLN)
AIB Rate* (Inclusive of 2.75% bank fee) 04.9897
ECB Rate 04.8251
AIB & ECB % Difference 03.41
Romania Leu (RON)
AIB Rate* (Inclusive of 2.75% bank fee) 06.0576
ECB Rate 05.8361
AIB & ECB % Difference 03.79
Sweden Krona (SEK)
AIB Rate* (Inclusive of 2.75% bank fee) 12.5753
ECB Rate 12.1928
AIB & ECB % Difference 03.14

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

Currency Conversion Fees:

We apply the following fee when you use your Credit card to complete a transaction in a foreign currency.

Currency Conversion Fee 2.75% of the value of the transaction

 

Key Information:

  • 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 sterling, Visa will convert that payment to sterling 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 how your card works and the fees and charges on our website.