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*
DKK	1		7,766616	7,467900	7,169184
HKD	1		9,402380	9,040750	8,679120
HUF	1	407,994000	400,296000	384,900000	369,504000	361,806000	361,806000	361,806000
JPY	1	187,822560	186,388800	179,220000	172,051200	170,617440	170,617440	170,617440
NOK	1		12,197640	11,728500	11,259360
SGD	1		1,570608	1,510200	1,449792
SEK	1		11,422840	10,983500	10,544160
CHF	1	0,960751	0,955240	0,918500	0,881760	0,876249	0,876249	0,876249
GBP	1	0,925292	0,919984	0,884600	0,849216	0,843908	0,843908	0,843908
USD	1	1,223040	1,211392	1,164800	1,118208	1,106560	1,106560	1,106560
RSD	1	123,076223	121,904068		112,526832	111,354678	111,354678	111,354678
RON	1		5,289544	5,086100	4,882656
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
AUD	1	1,866796	1,856088	1,784700	1,713312	1,702604	1,702604	1,702604
CAD	1	1,706590	1,698424	1,633100	1,567776	1,559611	1,559611	1,559611
CNY	1		8,587644	8,257350	7,927056
CZK	1	25,528890	25,165920	24,198000	23,230080	22,867110	22,867110	22,867110
PLN	1	4,529096	4,402112	4,232800	4,063488	3,936504	3,936504	3,936504

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
DKK
HKD
HUF	361,806000	361,806000
JPY	170,617440	170,617440
NOK
SGD
SEK
CHF	0,876249	0,876249
GBP	0,843908	0,843908
USD	1,106560	1,106560
RSD	111,354678	111,354678
RON
BAM	1,867818	1,867818
AUD	1,702604	1,702604
CAD	1,559611	1,559611
CNY
CZK	22,867110	22,867110
PLN	3,936504	3,936504

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