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	1,688825	1,680744	1,616100	1,551456	1,543376	1,543376	1,543376
CNY	1		8,529300	8,201250	7,873200
CZK	1	25,597465	25,233520	24,263000	23,292480	22,928535	22,928535	22,928535
DKK	1		7,769736	7,470900	7,172064
HKD	1		9,650628	9,279450	8,908272
HUF	1	401,824800	394,243200	379,080000	363,916800	356,335200	356,335200	356,335200
JPY	1	190,557840	189,103200	181,830000	174,556800	173,102160	173,102160	173,102160
NOK	1		11,779040	11,326000	10,872960
SGD	1		1,558856	1,498900	1,438944
SEK	1		11,050416	10,625400	10,200384
CHF	1	0,954057	0,948584	0,912100	0,875616	0,870143	0,870143	0,870143
GBP	1	0,911694	0,906464	0,871600	0,836736	0,831506	0,831506	0,831506
USD	1	1,245510	1,233648	1,186200	1,138752	1,126890	1,126890	1,126890
RSD	1	123,266745	122,092776		112,701024	111,527055	111,527055	111,527055
RON	1		5,298020	5,094250	4,890480
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
PLN	1	4,510050	4,383600	4,215000	4,046400	3,919950	3,919950	3,919950
AUD	1	1,759790	1,749696	1,682400	1,615104	1,605010	1,605010	1,605010

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	1,543376	1,543376
CNY
CZK	22,928535	22,928535
DKK
HKD
HUF	356,335200	356,335200
JPY	173,102160	173,102160
NOK
SGD
SEK
CHF	0,870143	0,870143
GBP	0,831506	0,831506
USD	1,126890	1,126890
RSD	111,527055	111,527055
RON
BAM	1,867818	1,867818
PLN	3,919950	3,919950
AUD	1,605010	1,605010

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