This calculator is a simple way to see the total currency conversion charges for permanent tsb debit and credit card transactions at a point of sale (e.g. when you are paying in shop) or making withdrawals at an ATM within the European Economic Area (EEA).

Those charges will be displayed as percentage mark-up over the latest Foreign Exchange (FX) rates published by the European Central Bank (ECB). This is to allow you to easily compare currency conversion charges across different currency conversion providers.

Please refer to the permanent tsb Terms and Charges Booklets for further information on currency conversion charges applied.

Please enter an amount greater than 0

  • Euro (EUR)

  • Bulgarian Leva (BGN)

  • Croatia Kuna (HRK)

  • Czech Koruny (CZK)

  • Danish Kroner (DKK)

  • Hungarian Forint (HUF)

  • Icelandic Kroner (ISK)

  • Norwegian Kroner (NOK)

  • Polish Zloty (PLN)

  • Pound Sterling (GBP)

  • Romanian Lei (RON)

  • Swedish Kroner (SEK)

  • Euro (EUR)

  • Bulgarian Leva (BGN)

  • Croatia Kuna (HRK)

  • Czech Koruny (CZK)

  • Danish Kroner (DKK)

  • Hungarian Forint (HUF)

  • Icelandic Kroner (ISK)

  • Norwegian Kroner (NOK)

  • Polish Zloty (PLN)

  • Pound Sterling (GBP)

  • Romanian Lei (RON)

  • Swedish Kroner (SEK)

Exchange Rate

Markup over ECB

Current ECB Conversion Rate

Last updated:

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Additional Information

This FX Margin Calculator uses the latest European Central Bank (ECB) foreign exchange rate provided by Visa Inc.

  • The markup over the ECB rate is calculated using the latest rates set by permanent tsb and Visa Inc.
  • The exchange rate and markup used are those applied to this transaction. These are subject to change.

Note: The following transaction charges set by permanent tsb apply to card purchases & ATM withdrawals:

  • Charges will apply on all card purchases in foreign currency and on all card purchases outside the Eurozone at a rate of 1.75% of the Euro value of the transaction.
  • ATM transaction charges will apply on Euro withdrawals outside the EU and on all non-Euro withdrawals at 3.5% of the Euro value of the transaction.
  • Debit cards have a minimum charge of €0.46 and a maximum charge of €11.43 for card purchases and ATM withdrawals.
  • Credit Cards have no minimum and no maximum charge for card purchases and ATM withdrawals.
  • Note, As a result of the UK leaving the EEA on 31 January 2021, the GBP currency is no longer part of the EEA. Rates and calculations for GBP currency are provided for informational purposes only.
  • Please refer to the permanent tsb Terms and Charges Booklets for further information on currency conversion charges applied.

Cross Border FAQs

Why am I receiving a Cross Border Payment Notification?

The regulation came into force from 19 April 2021, and from 21 April 2021, all Personal Customers who use their permanent tsb Debit or Credit Card to complete non-Euro payment transactions (online, at point of sale terminals or ATM cash withdrawals) in any of the EEA currencies will be notified by SMS message of the total currency conversion charges that apply to the transaction. The charges will be calculated as a percentage mark-up over the latest available euro foreign exchange reference rate issued by the European Central Bank (ECB).

The Revised Cross-Border Payment Regulation aims to increase cost transparency for currency conversion services for card-based transactions. The message will enable you to compare costs when using your debit or credit for future transactions in the same EEA currency.

When will I receive a Cross Border Payment Notifications?

The SMS will be sent once every calendar month in which a customer continues to transact in the same currency. For example, if transactions are made in Hungarian Forint (HUF) only for a period of 3 months, message will be sent after the first transaction is completed and in each calendar month for a period of 3 months.

Separate SMS will be issued for transactions in multiple EEA currencies, for example, if transactions are made in 4 EEA currencies in one calendar month, a separate message will be sent after the first transaction in each currency is completed.

The message will be sent when card transactions are made in the following EEA currencies:

Country Currency Acronym

Bulgaria

Bulgarian Lev

BGN

Croatia

Croatian Kuna

HRK

Czech Republic

Czech Koruna

CZK

Denmark

Danish Krone

DKK

Hungary

Hungarian Forint

HUF

Iceland

Icelandic Krona

ISK

Liechtenstein

Swiss Franc

LIE

Norway

Norwegian Krone

NOK

Poland

Polish Zloty

PLN

Romania

Romanian Leu

RON

Sweden

Swedish Krona

SEK

How will I receive a Cross Border Payment Notification?

An SMS will be sent to the card holder’s registered mobile number held by permanent tsb.

What information will be in this notification?

The information contained in the SMS is as follows:

  • The Merchant name – where the transaction was made. This may be the name of the retailer or holding company.
  • The EEA payment currency the transaction was made in. This will be expressed as an acronym as per the table in Q2.

  • % Mark Up – The percentage mark-up will reflect the difference between:
    • What you will pay through Permanent TSB (inclusive of the foreign exchange rate and charges that we apply) and
    • What you would pay if the transaction was carried out at the latest available ECB rate (with no charges applied).
How is the % mark-up calculated?

The percentage mark-up will be calculated as follows:

Visa Rate + PTSB Rate = Total Conversion Rate Applied

Latest ECB Rate

What do you mean by ECB Rate?

The European Central Bank rate is the euro reference exchange rates published by the European Central Bank.

I am a Business Customer. Will I receive these notifications?

Business Debit Customers will not receive these notifications. The Cross Border Payments regulation allows for Issuers to refrain from sending electronic messages to customers who are not consumers.

Is there a charge to receive these notifications?

There is no charge for receiving these notifications.

The percentage mark-up sent by SMS differs from the amount debited from my account. Why is this?

For the majority of transactions, the percentage mark-up sent to you in the SMS will reflect the total currency conversion charges to be paid by you. However in a limited number of instances, due to the way some transactions are processed, the amount charged to your account may be slightly higher or lower than the initial pre-authorised amount.

The total transaction amount in the message may differ from the amount debited from your account when:

  • The time between the date of your transaction and the date of when it is debited from your account is greater than 8 days.

For example when you use your card in a hotel, for car hire or for airline tickets.

I am an authorised user on a Visa Credit Card. Will I receive a notification?

No, The primary cardholder will receive the notification when the authorised user makes an in scope transaction as they are the account holder.

I have received a notification containing a link asking for personal/financial information. Is this a genuine message?

Please be wary of text messages in circulation claiming to be from permanent tsb, these messages may appear in a genuine thread. Under no circumstances will we ask you to divulge full online security credentials. We will also never issue you an SMS containing any link or contact you requesting your card information.

Please remember

WE WILL NEVER issue an SMS containing a link. Please do not proceed.
WE WILL NEVER contact you by phone and ask for your security code to process a refund.
IF YOU ARE UNSURE call the telephone number on the back of your Debit/Credit Card.

I don’t want to receive these notifications. How do I stop them?

To opt out from the Cross border notifications please call Open24 at:

0818 502 424 or +353 1 212 4101

Opening hours

8am to 8pm from Monday to Friday (excluding bank holidays)

10am to 5pm on Saturdays and Sunday

Note: For Credit Card customers, if the Primary cardholder chooses to opt out of receiving this notification, the authorised user will also be opted out.

Important information

Effective from 19 April 2021, permanent tsb will no longer buy or sell Foreign Exchange Currency.

Ways to bank with us

Bank whatever way suits you.

Need more information? Find out more about banking with us
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