Exchange rate list

		Buy for cash and checks		Buying rate		Middle rate	Selling rate		Selling for cash and checks
Currency	Unit	Rate	ESB mark-up*	Rate	ESB mark-up*	Rate	Rate	ESB mark-up*	Rate	ESB mark-up*
GBP	1	0,889982	0,881433	0,854930	0,828427	0,819878	0,819878	0,819878
USD	1	1,119168	1,109520	1,072000	1,034480	1,024832	1,024832	1,024832
RSD	1	122,976893	121,805684		112,436016	111,264808	111,264808	111,264808
RON	1		5,175248	4,976200	4,777152
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,628285	4,498520	4,325500	4,152480	4,022715	4,022715	4,022715
AUD	1	1,699120	1,684430	1,632200	1,579970	1,565280	1,565280	1,565280
CAD	1	1,522040	1,510332	1,463500	1,416668	1,404960	1,404960	1,404960
CNY	1		8,063484	7,753350	7,443216
CZK	1	26,433750	26,056125	25,175000	24,293875	23,916250	23,916250	23,916250
DKK	1		7,689301	7,458100	7,226899
HKD	1		8,712132	8,377050	8,041968
HUF	1	415,138400	407,305600	391,640000	375,974400	368,141600	368,141600	368,141600
JPY	1	174,733790	173,393550	167,530000	161,666450	160,326210	160,326210	160,326210
NOK	1		12,148789	11,783500	11,418212
SGD	1		1,514968	1,456700	1,398432
SEK	1		12,047235	11,685000	11,322765
CHF	1	1,017682	1,007906	0,977600	0,947294	0,937518	0,937518	0,937518

Zagrebačka banka d.d. is authorized to change the exchange rate list and/or suspend trading in any currency from the exchange rate list at any time.

*ECB margin is reported in accordance with EU Regulation 2021/1230. It is a fee for currency conversion that is obtained by comparing the exchange rate used by the Bank for conversion from the original currency of the transaction to euros to the exchange rate reported by the European Central Bank (ECB) for that transaction currency. Given that the currencies of the European Economic Area BGN (Bulgarian lev), ISK (Icelandic krona) and RON (Romanian leu) are not listed on the Exchange Rate List for card transactions of Zagrebačka banka, the ECB margin for these currencies is shown below. It is obtained by the exchange rates used by Mastercard and Visa card payment schemes for conversion from the original transaction currency to euros, which are put in relation to the exchange rate reported by the ECB for that transaction currency.

Currency	% ESB margin for Mastercard transactions	% ESB margin for Visa transactions
GBP	0,819878	0,819878
USD	1,024832	1,024832
RSD	111,264808	111,264808
RON
BAM	1,877597	1,877597
PLN	4,022715	4,022715
AUD	1,565280	1,565280
CAD	1,404960	1,404960
CNY
CZK	23,916250	23,916250
DKK
HKD
HUF	368,141600	368,141600
JPY	160,326210	160,326210
NOK
SGD
SEK
CHF	0,937518	0,937518

The amount of the margin is updated on working days of the TARGET system around 16:00 and is reported only for currencies from the exchange rate list for card transactions related to the countries of the European Economic Area.

Previous exchange rate lists