Comparing EU and EEA currency conversion charges

It’s important to be able to compare currency conversion charges when making a card transaction in euros and other European Economic Area (EEA) currencies. This could be a purchase or an ATM withdrawal.

What you’re charged depends on two things:

• the currency conversion rate – the VISA exchange rate, which is set daily
• the non-sterling transaction fee – some of our cards include a fee when you make a transaction in a different currency.

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

The tables show:

• the non-sterling transaction fee for your card
• how total currency conversion charges (including the non-sterling transaction fee) compare to the ECB reference rate.

The difference to the ECB reference rate is shown as a percentage. It lets you compare the currency conversion charges of different banks and building societies.

*This charge only only applies to the amount over any allowance you’ve earned

You can work out the exact charges using VISA’s calculator. When it asks you for the ‘bank fee’, use the non-sterling transaction fee for your card (if it has one). You can find this in the tables on this page.

Exchange rates can change every day. These tables are just a guide. They were last updated on 7 July using:

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

VISA will convert your payment using their currency conversion rate which applies on the day they receive your transaction details for processing. The rate may not be the same as the one that applied on the day you made the card transaction. If this happens, the currency conversion charges will be different.

Euro
Bulgarian Lev
Croatian Kuna
Czech Koruna
Danish Krone
Hungarian Forint
Polish Zloty
Romanian Leu
Swedish Krona
Swiss Francs
Norwegian Krona
Icelandic Krona