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.
Exchange Rate
Markup over ECB
Current ECB Conversion Rate
Last updated:
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This FX Margin Calculator uses the latest European Central Bank (ECB) foreign exchange rate provided by Visa Inc.
Note: The following transaction charges set by PTSB apply to card purchases & ATM withdrawals:
The regulation came into force from 19 April 2021, and from 21 April 2021, all Personal Customers who use their PTSB 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.
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 |
An SMS will be sent to the card holder’s registered mobile number held by PTSB.
The information contained in the SMS is as follows:
The percentage mark-up will be calculated as follows:
Visa Rate + PTSB Rate = Total Conversion Rate Applied
Latest ECB Rate
The European Central Bank rate is the euro reference exchange rates published by the European Central Bank.
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.
There is no charge for receiving these notifications.
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:
For example when you use your card in a hotel, for car hire or for airline tickets.
No, The primary cardholder will receive the notification when the authorised user makes an in scope transaction as they are the account holder.
Please be wary of text messages in circulation claiming to be from PTSB, 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.
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.
