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*
SGD	1		1,564160	1,504000	1,443840
SEK	1		11,287904	10,948500	10,609097
CHF	1	0,973023	0,963676	0,934700	0,905724	0,896377	0,896377	0,896377
GBP	1	0,900777	0,892124	0,865300	0,838476	0,829823	0,829823	0,829823
USD	1	1,223359	1,212813	1,171800	1,130787	1,120241	1,120241	1,120241
RSD	1	123,000675	121,829240		112,457760	111,286325	111,286325	111,286325
RON	1		5,273632	5,070800	4,867968
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,555525	4,427800	4,257500	4,087200	3,959475	3,959475	3,959475
AUD	1	1,836949	1,821067	1,764600	1,708133	1,692251	1,692251	1,692251
CAD	1	1,687608	1,674626	1,622700	1,570774	1,557792	1,557792	1,557792
CNY	1		8,679164	8,345350	8,011536
CZK	1	25,533900	25,169130	24,318000	23,466870	23,102100	23,102100	23,102100
DKK	1		7,695796	7,464400	7,233004
HKD	1		9,481316	9,116650	8,751984
HUF	1	414,597800	406,775200	391,130000	375,484800	367,662200	367,662200	367,662200
JPY	1	180,783190	179,396550	173,330000	167,263450	165,876810	165,876810	165,876810
NOK	1		11,943620	11,584500	11,225381

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
SGD
SEK
CHF	0,896377	0,896377
GBP	0,829823	0,829823
USD	1,120241	1,120241
RSD	111,286325	111,286325
RON
BAM	1,877597	1,877597
PLN	3,959475	3,959475
AUD	1,692251	1,692251
CAD	1,557792	1,557792
CNY
CZK	23,102100	23,102100
DKK
HKD
HUF	367,662200	367,662200
JPY	165,876810	165,876810
NOK

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