— EXCHANGE RATES FOR —

Non-Euro EU/EEA currencies on debit cards

Conversion rates

Money Manager Card

Last Updated: 21 Jul 2025, 23:15

Non-Euro EU Member Currency EBS Rate* (Inclusive of 1.00% bank fee) ECB Rate EBS & ECB % Difference
Bulgaria Lev (BGN) 00.5164 00.5113 01.00
Czech Republic Koruna (CZK) 00.0411 00.0406 01.13
Denmark Krone (DKK) 00.1353 00.1340 01.03
Hungary Forint (HUF) 00.0026 00.0025 01.93
Iceland Krona (ISK) 00.0071 00.0070 01.60
Liechtenstein Swiss Franc (CHF) 01.0847 01.0724 01.15
Norway Krone (NOK) 00.0855 00.0843 01.50
Poland Zloty (PLN) 00.2390 00.2357 01.38
Romania Leu (RON) 00.2011 00.1973 01.95
Sweden Krona (SEK) 00.0903 00.0892 01.24
United Kingdom Pound Sterling (GBP) 01.1679 01.1553 01.09
Bulgaria Lev (BGN)
EBS Rate* (Inclusive of 1.00% bank fee) 00.5113
ECB Rate 00.5113
EBS & ECB % Difference -00.00
Czech Republic Koruna (CZK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0407
ECB Rate 00.0406
EBS & ECB % Difference 00.13
Denmark Krone (DKK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.1340
ECB Rate 00.1340
EBS & ECB % Difference 00.03
Hungary Forint (HUF)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0025
ECB Rate 00.0025
EBS & ECB % Difference 00.93
Iceland Krona (ISK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0071
ECB Rate 00.0070
EBS & ECB % Difference 00.59
Liechtenstein Swiss Franc (CHF)
EBS Rate* (Inclusive of 1.00% bank fee) 01.0740
ECB Rate 01.0724
EBS & ECB % Difference 00.15
Norway Krone (NOK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0847
ECB Rate 00.0843
EBS & ECB % Difference 00.50
Poland Zloty (PLN)
EBS Rate* (Inclusive of 1.00% bank fee) 00.2366
ECB Rate 00.2357
EBS & ECB % Difference 00.37
Romania Leu (RON)
EBS Rate* (Inclusive of 1.00% bank fee) 00.1991
ECB Rate 00.1973
EBS & ECB % Difference 00.94
Sweden Krona (SEK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0894
ECB Rate 00.0892
EBS & ECB % Difference 00.23
United Kingdom Pound Sterling (GBP)
EBS Rate* (Inclusive of 1.00% bank fee) 01.1563
ECB Rate 01.1553
EBS & ECB % Difference 00.09

* EBS rate is the Mastercard rate plus the currency conversion fee.

Conversion rates

Teen Card

Last Updated: 21 Jul 2025, 23:15

Non-Euro EU Member Currency EBS Rate* ECB Rate EBS & ECB % Difference
Bulgaria Lev (BGN) 00.5113 00.5113 -00.00
Czech Republic Koruna (CZK) 00.0407 00.0406 00.13
Denmark Krone (DKK) 00.1340 00.1340 00.03
Hungary Forint (HUF) 00.0025 00.0025 00.93
Iceland Krona (ISK) 00.0071 00.0070 00.59
Liechtenstein Swiss Franc (CHF) 01.0740 01.0724 00.15
Norway Krone (NOK) 00.0847 00.0843 00.50
Poland Zloty (PLN) 00.2366 00.2357 00.37
Romania Leu (RON) 00.1991 00.1973 00.94
Sweden Krona (SEK) 00.0894 00.0892 00.23
United Kingdom Pound Sterling (GBP) 01.1563 01.1553 00.09
Bulgaria Lev (BGN)
EBS Rate* 00.5113
ECB Rate 00.5113
EBS & ECB % Difference -00.00
Czech Republic Koruna (CZK)
EBS Rate* 00.0407
ECB Rate 00.0406
EBS & ECB % Difference 00.13
Denmark Krone (DKK)
EBS Rate* 00.1340
ECB Rate 00.1340
EBS & ECB % Difference 00.03
Hungary Forint (HUF)
EBS Rate* 00.0025
ECB Rate 00.0025
EBS & ECB % Difference 00.93
Iceland Krona (ISK)
EBS Rate* 00.0071
ECB Rate 00.0070
EBS & ECB % Difference 00.59
Liechtenstein Swiss Franc (CHF)
EBS Rate* 01.0740
ECB Rate 01.0724
EBS & ECB % Difference 00.15
Norway Krone (NOK)
EBS Rate* 00.0847
ECB Rate 00.0843
EBS & ECB % Difference 00.50
Poland Zloty (PLN)
EBS Rate* 00.2366
ECB Rate 00.2357
EBS & ECB % Difference 00.37
Romania Leu (RON)
EBS Rate* 00.1991
ECB Rate 00.1973
EBS & ECB % Difference 00.94
Sweden Krona (SEK)
EBS Rate* 00.0894
ECB Rate 00.0892
EBS & ECB % Difference 00.23
United Kingdom Pound Sterling (GBP)
EBS Rate* 01.1563
ECB Rate 01.1553
EBS & ECB % Difference 00.09

* EBS rate is the Mastercard rate.

Currency conversion fees

For non-euro transactions we apply the following fees to the MoneyManager Debit card. There are no fees on the Teen Savings Debit card.

Transaction Type  ATM Withdrawals Using a Debit Card for purchases in a foreign currency
Currency Conversion
Fee (non-euro)
1% of transaction value
Min. €1.91 – Max. €6.00
1% of transaction value
Min. €0.30 – Max. €6.00

Important Information

  • All foreign exchange rates in the above table are updated twice daily, on any business day

  • When you use your Debit card to pay for something that is not in euro, Mastercard 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 how your card works and the fees and charges detailed in your terms and conditions.