Costs applicable for foreign currency transactions, by card, in Europe

You will find below a comparison of the European Central Bank (ECB) reference rates and the rates we offer you for your foreign-currency payments by card (debit or credit) in the European Economic Area (EU Cross Border*).

You will thus have a clear picture of the estimated charges linked to the use of your card abroad.

*Following the application of the European regulation on payments in the Europe zone.

How can I interpret this table?

You can refer to it before making a purchase with your card. 

For example, during a stay in Poland: If you make a purchase with your credit card, you will pay the fee percentage shown in the table below in comparison with the ECB reference rate.

To obtain an estimate of the charges, visit the following website: 
https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html

Currency ECB rates* Charges incurred by making a payment with a debit card (V PAY) Charges incurred by making a payment with a credit card (Visa)
BGN 1,9558 1,0015% 2,0016%
CHF 1,0695 0,5783% 1,5742%
CZK 27,131 0,8012% 1,7992%
DKK 7,4455 0,9529% 1,9524%
GBP 0,9005 0,8835% 1,8823%
HRK 7,5695 0,883% 1,8819%
HUF 366,24 1,0116% 2,0118%
ISK 163,5 1,0871% 2,088%
NOK 11,1128 0,779% 1,7768%
PLN 4,6018 0,7549% 1,7524%
RON 4,8674 0,7888% 1,7867%
SEK 10,3625 0,7756% 1,7734%
       
*date of last update: 02/11/2020