It’s important to be able to compare currency conversion charges when making a card transaction in euros, or other currencies in the European Economic Area (EEA).

This transaction could be a card purchase or a withdrawal from a cash machine.

What you’ll be charged depends on the currency conversion rate – the VISA exchange rate, which is set daily.

Together, these are the currency conversion charges we talk about on this page.

All banks and building societies are required to use the European Central Bank (ECB) reference rate to help you compare these charges.

Calculate EEA currency conversion charges


How it works

The difference to the ECB reference rate is shown as a percentage. This lets you compare the currency conversion charges of different providers.

All banks and building societies are required to use the latest reference rates issued by the European Central Bank (ECB) to help you compare these charges.

The difference between the total currency conversion charges and the ECB rate is shown as a percentage mark up.

Percentage mark up when using your card in an EEA currency

The tables on this page display the current ECB percentage mark up for each EEA currency. You can use these to compare charges with those of other providers.

Currency conversion charges for credit and debit card transactions made in the EEA


Keep in mind

The ECB Reference rate changes at 3pm on working days, using:

  • VISA’s exchange rate for transactions settled that day
  • the current ECB reference rate.

VISA uses its own currency conversion rate. This is applied on the day VISA gets your transaction details for processing. The exchange rate and the percentage mark up may not be the same as the one that applied on the day you made the transaction.