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*
USD	1	1,182226	1,172034	1,132400	1,092766	1,082574	1,082574	1,082574
RSD	1	123,108615	121,936152		112,556448	111,383985	111,383985	111,383985
RON	1		5,176860	4,977750	4,778640
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
AUD	1	1,852355	1,836341	1,779400	1,722459	1,706445	1,706445	1,706445
CAD	1	1,633944	1,621375	1,571100	1,520825	1,508256	1,508256	1,508256
CNY	1		8,608028	8,276950	7,945872
CZK	1	26,317200	25,941240	25,064000	24,186760	23,810800	23,810800	23,810800
DKK	1		7,695487	7,464100	7,232713
HKD	1		9,128444	8,777350	8,426256
HUF	1	432,193800	424,039200	407,730000	391,420800	383,266200	383,266200	383,266200
JPY	1	168,809550	167,514750	161,850000	156,185250	154,890450	154,890450	154,890450
NOK	1		12,343751	11,972600	11,601449
SGD	1		1,549340	1,489750	1,430160
SEK	1		11,403994	11,061100	10,718206
CHF	1	0,962092	0,952850	0,924200	0,895550	0,886308	0,886308	0,886308
GBP	1	0,890784	0,882227	0,855700	0,829173	0,820616	0,820616	0,820616
PLN	1	4,584308	4,455776	4,284400	4,113024	3,984492	3,984492	3,984492

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
USD	1,082574	1,082574
RSD	111,383985	111,383985
RON
BAM	1,877597	1,877597
AUD	1,706445	1,706445
CAD	1,508256	1,508256
CNY
CZK	23,810800	23,810800
DKK
HKD
HUF	383,266200	383,266200
JPY	154,890450	154,890450
NOK
SGD
SEK
CHF	0,886308	0,886308
GBP	0,820616	0,820616
PLN	3,984492	3,984492

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