— EXCHANGE RATES FOR —

Non-Euro EU/EEA currencies on debit cards

Conversion rates

Money Manager Card

Last Updated: 02 Sep 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) 00.0414 00.0408 01.41
Denmark Krone (DKK) 00.1354 00.1340 01.02
Hungary Forint (HUF) 00.0026 00.0025 02.17
Iceland Krona (ISK) 00.0071 00.0070 02.05
Liechtenstein Swiss Franc (CHF) 01.0800 01.0677 01.15
Norway Krone (NOK) 00.0869 00.0857 01.43
Poland Zloty (PLN) 00.2377 00.2345 01.40
Romania Leu (RON) 00.2012 00.1968 02.24
Sweden Krona (SEK) 00.0920 00.0909 01.26
United Kingdom Pound Sterling (GBP) 01.1697 01.1492 01.78
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) 00.0410
ECB Rate 00.0408
EBS & ECB % Difference 00.41
Denmark Krone (DKK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.1340
ECB Rate 00.1340
EBS & ECB % Difference 00.02
Hungary Forint (HUF)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0026
ECB Rate 00.0025
EBS & ECB % Difference 01.16
Iceland Krona (ISK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0070
ECB Rate 00.0070
EBS & ECB % Difference 01.04
Liechtenstein Swiss Franc (CHF)
EBS Rate* (Inclusive of 1.00% bank fee) 01.0693
ECB Rate 01.0677
EBS & ECB % Difference 00.15
Norway Krone (NOK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0860
ECB Rate 00.0857
EBS & ECB % Difference 00.42
Poland Zloty (PLN)
EBS Rate* (Inclusive of 1.00% bank fee) 00.2354
ECB Rate 00.2345
EBS & ECB % Difference 00.40
Romania Leu (RON)
EBS Rate* (Inclusive of 1.00% bank fee) 00.1992
ECB Rate 00.1968
EBS & ECB % Difference 01.23
Sweden Krona (SEK)
EBS Rate* (Inclusive of 1.00% bank fee) 00.0911
ECB Rate 00.0909
EBS & ECB % Difference 00.26
United Kingdom Pound Sterling (GBP)
EBS Rate* (Inclusive of 1.00% bank fee) 01.1581
ECB Rate 01.1492
EBS & ECB % Difference 00.78

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

Conversion rates

Teen Card

Last Updated: 02 Sep 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) 00.0410 00.0408 00.41
Denmark Krone (DKK) 00.1340 00.1340 00.02
Hungary Forint (HUF) 00.0026 00.0025 01.16
Iceland Krona (ISK) 00.0070 00.0070 01.04
Liechtenstein Swiss Franc (CHF) 01.0693 01.0677 00.15
Norway Krone (NOK) 00.0860 00.0857 00.42
Poland Zloty (PLN) 00.2354 00.2345 00.40
Romania Leu (RON) 00.1992 00.1968 01.23
Sweden Krona (SEK) 00.0911 00.0909 00.26
United Kingdom Pound Sterling (GBP) 01.1581 01.1492 00.78
Bulgaria Lev (BGN)
EBS Rate* 00.5113
ECB Rate 00.5113
EBS & ECB % Difference -00.00
Czech Republic Koruna (CZK)
EBS Rate* 00.0410
ECB Rate 00.0408
EBS & ECB % Difference 00.41
Denmark Krone (DKK)
EBS Rate* 00.1340
ECB Rate 00.1340
EBS & ECB % Difference 00.02
Hungary Forint (HUF)
EBS Rate* 00.0026
ECB Rate 00.0025
EBS & ECB % Difference 01.16
Iceland Krona (ISK)
EBS Rate* 00.0070
ECB Rate 00.0070
EBS & ECB % Difference 01.04
Liechtenstein Swiss Franc (CHF)
EBS Rate* 01.0693
ECB Rate 01.0677
EBS & ECB % Difference 00.15
Norway Krone (NOK)
EBS Rate* 00.0860
ECB Rate 00.0857
EBS & ECB % Difference 00.42
Poland Zloty (PLN)
EBS Rate* 00.2354
ECB Rate 00.2345
EBS & ECB % Difference 00.40
Romania Leu (RON)
EBS Rate* 00.1992
ECB Rate 00.1968
EBS & ECB % Difference 01.23
Sweden Krona (SEK)
EBS Rate* 00.0911
ECB Rate 00.0909
EBS & ECB % Difference 00.26
United Kingdom Pound Sterling (GBP)
EBS Rate* 01.1581
ECB Rate 01.1492
EBS & ECB % Difference 00.78

* 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.