Fees & Charges - Visa Card - Bank of Ireland (2024)

FAQs

Will I get charged for using my bank card in Ireland? ›

Fees will still be charged but at a lower rate to credit cards. Ireland uses a “chip and pin” system for debit and credit card transactions. Retailers may still accept swipe cards but please note this is not always guaranteed. It is recommended that you notify your bank of your travel plans prior to your departure.

Your credit and debit card can be accepted worldwide when you see the MasterCard/ Visa logo. Use your debit card to take cash out from an ATM.

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If you make an ATM transaction OR a debit card purchase in a foreign currency, we will collect a cross border handling charge from your account. This charge includes the international network fees and the margin on the currency conversion.

Most US, UK and Australian debit and credit cards should be usable in Ireland. Visa, Mastercard (Cirrus and Maestro) and American Express are all widely accepted. However, you may have a little more trouble using a Diner's Club card, and Discover isn't often accepted in Ireland.

Visa exchange rate

This is the exchange rate used by Visa to convert the transaction into sterling on the day Visa processes the transaction. This might not be the same day when the transaction took place. A 2.99% fee charged by us for using your debit card abroad when making purchases, withdrawing cash or for refunds.

Foreign transaction fees vary, but they're typically around 3% when levied by a card issuer.

Yes, cards issued by U.S. Bank can be used in most foreign countries. If you're planning to travel and want to use your card, let us know. This will help reduce declined transactions on your trip.

The MRV application fee for visitor and certain other nonimmigrant visa categories will increase from $160 to $185, effective June 17, 2023.

What is the fee for a $500 Visa card? ›

Visa gift card values from $150.00 to $249.99 typically have a $4.95 fee. Visa gift card values from $250.00 to $349.99 typically have a $5.95 fee. Visa gift card values from $350.00 to $500.00 typically have a $6.95 fee.

Using credit cards and debit cards in Ireland

You'll occasionally find that smaller independent retailers won't accept card payments on low value transactions (€10 or less) because of the bank fees. In general, it's a good idea to carry cash at all times, in case you're unable to pay by card.

Check with your bank and see if there is a minimum balance you can keep in your account to avoid paying fees and charges. This is typically an amount between €2,000 and €3,000 that needs to be kept in the account at all times.

The Euro is the currency in the Republic of Ireland. Because most places you visit will be able to take your credit or debit cards, you don't need to take much cash. In fact, you don't really need to get Euros before you leave the US (unless you really want to).