— EXCHANGE RATES FOR —

Non-Euro EU/EEA currencies on debit cards

Conversion rates

Money Manager Card

Last Updated: 15 Oct 2025, 15:15

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) 00.0416 00.0411 01.18
Denmark Krone (DKK) 00.1353 00.1339 01.03
Hungary Forint (HUF) 00.0026 00.0025 01.87
Iceland Krona (ISK) 00.0072 00.0071 01.11
Liechtenstein Swiss Franc (CHF) 01.0884 01.0757 01.17
Norway Krone (NOK) 00.0867 00.0849 02.05
Poland Zloty (PLN) 00.2375 00.2346 01.22
Romania Leu (RON) 00.1998 00.1965 01.72
Sweden Krona (SEK) 00.0919 00.0906 01.47
United Kingdom Pound Sterling (GBP) 01.1661 01.1478 01.59
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) 00.0412
ECB Rate 00.0411
EBS & ECB % Difference 00.18
Denmark Krone (DKK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.1339
ECB Rate 00.1339
EBS & ECB % Difference 00.03
Hungary Forint (HUF)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0026
ECB Rate 00.0025
EBS & ECB % Difference 00.86
Iceland Krona (ISK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0071
ECB Rate 00.0071
EBS & ECB % Difference 00.11
Liechtenstein Swiss Franc (CHF)
EBS Rate* (Inclusive of 1.00% bank fee) 01.0776
ECB Rate 01.0757
EBS & ECB % Difference 00.17
Norway Krone (NOK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0858
ECB Rate 00.0849
EBS & ECB % Difference 01.04
Poland Zloty (PLN)
EBS Rate* (Inclusive of 1.00% bank fee) 00.2351
ECB Rate 00.2346
EBS & ECB % Difference 00.21
Romania Leu (RON)
EBS Rate* (Inclusive of 1.00% bank fee) 00.1978
ECB Rate 00.1965
EBS & ECB % Difference 00.71
Sweden Krona (SEK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0910
ECB Rate 00.0906
EBS & ECB % Difference 00.46
United Kingdom Pound Sterling (GBP)
EBS Rate* (Inclusive of 1.00% bank fee) 01.1546
ECB Rate 01.1478
EBS & ECB % Difference 00.59

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

Conversion rates

Teen Card

Last Updated: 15 Oct 2025, 15:15

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) 00.0412 00.0411 00.18
Denmark Krone (DKK) 00.1339 00.1339 00.03
Hungary Forint (HUF) 00.0026 00.0025 00.86
Iceland Krona (ISK) 00.0071 00.0071 00.11
Liechtenstein Swiss Franc (CHF) 01.0776 01.0757 00.17
Norway Krone (NOK) 00.0858 00.0849 01.04
Poland Zloty (PLN) 00.2351 00.2346 00.21
Romania Leu (RON) 00.1978 00.1965 00.71
Sweden Krona (SEK) 00.0910 00.0906 00.46
United Kingdom Pound Sterling (GBP) 01.1546 01.1478 00.59
Bulgaria Lev (BGN)
EBS Rate* 00.5113
ECB Rate 00.5113
EBS & ECB % Difference -00.00
Czech Republic Koruna (CZK)
EBS Rate* 00.0412
ECB Rate 00.0411
EBS & ECB % Difference 00.18
Denmark Krone (DKK)
EBS Rate* 00.1339
ECB Rate 00.1339
EBS & ECB % Difference 00.03
Hungary Forint (HUF)
EBS Rate* 00.0026
ECB Rate 00.0025
EBS & ECB % Difference 00.86
Iceland Krona (ISK)
EBS Rate* 00.0071
ECB Rate 00.0071
EBS & ECB % Difference 00.11
Liechtenstein Swiss Franc (CHF)
EBS Rate* 01.0776
ECB Rate 01.0757
EBS & ECB % Difference 00.17
Norway Krone (NOK)
EBS Rate* 00.0858
ECB Rate 00.0849
EBS & ECB % Difference 01.04
Poland Zloty (PLN)
EBS Rate* 00.2351
ECB Rate 00.2346
EBS & ECB % Difference 00.21
Romania Leu (RON)
EBS Rate* 00.1978
ECB Rate 00.1965
EBS & ECB % Difference 00.71
Sweden Krona (SEK)
EBS Rate* 00.0910
ECB Rate 00.0906
EBS & ECB % Difference 00.46
United Kingdom Pound Sterling (GBP)
EBS Rate* 01.1546
ECB Rate 01.1478
EBS & ECB % Difference 00.59

* 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.