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*
JPY	1	176,736350	175,380750	169,450000	163,519250	162,163650	162,163650	162,163650
NOK	1		12,246218	11,878000	11,509782
SGD	1		1,559376	1,499400	1,439424
SEK	1		11,547716	11,200500	10,853285
CHF	1	0,971253	0,961923	0,933000	0,904077	0,894747	0,894747	0,894747
GBP	1	0,895781	0,887176	0,860500	0,833825	0,825220	0,825220	0,825220
USD	1	1,227222	1,216643	1,175500	1,134358	1,123778	1,123778	1,123778
RSD	1	123,040628	121,868812		112,494288	111,322473	111,322473	111,322473
RON	1		5,266144	5,063600	4,861056
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
AUD	1	1,866929	1,850789	1,793400	1,736011	1,719871	1,719871	1,719871
CAD	1	1,668264	1,655431	1,604100	1,552769	1,539936	1,539936	1,539936
CNY	1		8,776456	8,438900	8,101344
CZK	1	25,896150	25,526205	24,663000	23,799795	23,429850	23,429850	23,429850
DKK	1		7,692394	7,461100	7,229806
HKD	1		9,611628	9,241950	8,872272
HUF	1	422,940000	414,960000	399,000000	383,040000	375,060000	375,060000	375,060000
PLN	1	4,546751	4,419272	4,249300	4,079328	3,951849	3,951849	3,951849

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
JPY	162,163650	162,163650
NOK
SGD
SEK
CHF	0,894747	0,894747
GBP	0,825220	0,825220
USD	1,123778	1,123778
RSD	111,322473	111,322473
RON
BAM	1,877597	1,877597
AUD	1,719871	1,719871
CAD	1,539936	1,539936
CNY
CZK	23,429850	23,429850
DKK
HKD
HUF	375,060000	375,060000
PLN	3,951849	3,951849

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