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*
GBP	1	0,862968	0,854678	0,828980	0,803282	0,794992	0,794992	0,794992
USD	1	1,096931	1,087475	1,050700	1,013926	1,004469	1,004469	1,004469
RSD	1	122,813933	121,644276		112,287024	111,117368	111,117368	111,117368
RON	1		5,176548	4,977450	4,778352
AUD	1	1,687565	1,672975	1,621100	1,569225	1,554635	1,554635	1,554635
CAD	1	1,533792	1,521994	1,474800	1,427606	1,415808	1,415808	1,415808
CNY	1		7,942584	7,637100	7,331616
CZK	1	26,529300	26,150310	25,266000	24,381690	24,002700	24,002700	24,002700
DKK	1		7,689507	7,458300	7,227093
HKD	1		8,502936	8,175900	7,848864
HUF	1	439,847000	431,548000	414,950000	398,352000	390,053000	390,053000	390,053000
JPY	1	164,522820	163,260900	157,740000	152,219100	150,957180	150,957180	150,957180
NOK	1		12,020429	11,659000	11,297571
SGD	1		1,470144	1,413600	1,357056
SEK	1		11,884337	11,527000	11,169663
CHF	1	0,969796	0,960480	0,931600	0,902720	0,893404	0,893404	0,893404
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,590835	4,462120	4,290500	4,118880	3,990165	3,990165	3,990165

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
GBP	0,794992	0,794992
USD	1,004469	1,004469
RSD	111,117368	111,117368
RON
AUD	1,554635	1,554635
CAD	1,415808	1,415808
CNY
CZK	24,002700	24,002700
DKK
HKD
HUF	390,053000	390,053000
JPY	150,957180	150,957180
NOK
SGD
SEK
CHF	0,893404	0,893404
BAM	1,877597	1,877597
PLN	3,990165	3,990165

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