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*
CAD	1	1,548976	1,537061	1,489400	1,441739	1,429824	1,429824	1,429824
CNY	1		7,770412	7,471550	7,172688
CZK	1	26,430600	26,053020	25,172000	24,290980	23,913400	23,913400	23,913400
DKK	1		7,692291	7,461000	7,229709
HKD	1		8,385208	8,062700	7,740192
HUF	1	431,579000	423,436000	407,150000	390,864000	382,721000	382,721000	382,721000
JPY	1	167,422360	166,138200	160,520000	154,901800	153,617640	153,617640	153,617640
NOK	1		12,084351	11,721000	11,357649
SGD	1		1,458600	1,402500	1,346400
SEK	1		11,771958	11,418000	11,064042
CHF	1	0,978124	0,968728	0,939600	0,910472	0,901076	0,901076	0,901076
GBP	1	0,865987	0,857668	0,831880	0,806092	0,797773	0,797773	0,797773
USD	1	1,078974	1,069673	1,033500	0,997328	0,988026	0,988026	0,988026
RSD	1	122,977470	121,806256		112,436544	111,265330	111,265330	111,265330
RON	1		5,176028	4,976950	4,777872
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,514651	4,388072	4,219300	4,050528	3,923949	3,923949	3,923949
AUD	1	1,731079	1,716113	1,662900	1,609687	1,594721	1,594721	1,594721

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
CAD	1,429824	1,429824
CNY
CZK	23,913400	23,913400
DKK
HKD
HUF	382,721000	382,721000
JPY	153,617640	153,617640
NOK
SGD
SEK
CHF	0,901076	0,901076
GBP	0,797773	0,797773
USD	0,988026	0,988026
RSD	111,265330	111,265330
RON
BAM	1,877597	1,877597
PLN	3,923949	3,923949
AUD	1,594721	1,594721

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