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*
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,571575	4,443400	4,272500	4,101600	3,973425	3,973425	3,973425
AUD	1	1,723480	1,708579	1,655600	1,602621	1,587720	1,587720	1,587720
CAD	1	1,543568	1,531694	1,484200	1,436706	1,424832	1,424832	1,424832
CNY	1		7,832396	7,531150	7,229904
CZK	1	26,424300	26,046810	25,166000	24,285190	23,907700	23,907700	23,907700
DKK	1		7,691157	7,459900	7,228643
HKD	1		8,325668	8,005450	7,685232
HUF	1	439,825800	431,527200	414,930000	398,332800	390,034200	390,034200	390,034200
JPY	1	168,726110	167,431950	161,770000	156,108050	154,813890	154,813890	154,813890
NOK	1		12,076103	11,713000	11,349897
SGD	1		1,466920	1,410500	1,354080
SEK	1		11,794125	11,439500	11,084876
CHF	1	0,974584	0,965222	0,936200	0,907178	0,897816	0,897816	0,897816
GBP	1	0,863957	0,855658	0,829930	0,804202	0,795903	0,795903	0,795903
USD	1	1,075216	1,065947	1,029900	0,993854	0,984584	0,984584	0,984584
RSD	1	122,909010	121,738448		112,373952	111,203390	111,203390	111,203390
RON	1		5,174208	4,975200	4,776192

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
BAM	1,877597	1,877597
PLN	3,973425	3,973425
AUD	1,587720	1,587720
CAD	1,424832	1,424832
CNY
CZK	23,907700	23,907700
DKK
HKD
HUF	390,034200	390,034200
JPY	154,813890	154,813890
NOK
SGD
SEK
CHF	0,897816	0,897816
GBP	0,795903	0,795903
USD	0,984584	0,984584
RSD	111,203390	111,203390
RON

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