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FX Margin Calculator

for Card Based Transactions

close up on Permanent tsb Visa Debit Card being held up to a Credit Card machine in a shop

This calculator is a simple way to see the total currency conversion charges for PTSB 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 PTSB 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 Koruna (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)

  • Swiss Franc (CHF)

  • Euro (EUR)

  • Bulgarian Leva (BGN)

  • Croatia Kuna (HRK)

  • Czech Koruna (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)

  • Swiss Franc (CHF)

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 PTSB 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 PTSB 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 PTSB Terms and Charges Booklets for further information on currency conversion charges applied.
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