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	0,901234	0,896064	0,861600	0,827136	0,821966	0,821966	0,821966
SEK	1		11,000080	10,577000	10,153920
CHF	1	0,958973	0,953472	0,916800	0,880128	0,874627	0,874627	0,874627
SGD	1		1,561872	1,501800	1,441728
NOK	1		11,855480	11,399500	10,943520
JPY	1	194,037200	192,556000	185,150000	177,744000	176,262800	176,262800	176,262800
HKD	1		9,594104	9,225100	8,856096
HUF	1	403,202800	395,595200	380,380000	365,164800	357,557200	357,557200	357,557200
DKK	1		7,765992	7,467300	7,168608
CZK	1	25,696635	25,331280	24,357000	23,382720	23,017365	23,017365	23,017365
CAD	1	1,686421	1,678352	1,613800	1,549248	1,541179	1,541179	1,541179
CNY	1		8,524100	8,196250	7,868400
AUD	1	1,758744	1,748656	1,681400	1,614144	1,604056	1,604056	1,604056
PLN	1	4,519145	4,392440	4,223500	4,054560	3,927855	3,927855	3,927855
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
RSD	1	123,253200	122,079360		112,688640	111,514800	111,514800	111,514800
RON	1		5,299060	5,095250	4,891440
USD	1	1,241100	1,229280	1,182000	1,134720	1,122900	1,122900	1,122900

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	0,821966	0,821966
SEK
CHF	0,874627	0,874627
SGD
NOK
JPY	176,262800	176,262800
HKD
HUF	357,557200	357,557200
DKK
CZK	23,017365	23,017365
CAD	1,541179	1,541179
CNY
AUD	1,604056	1,604056
PLN	3,927855	3,927855
BAM	1,867818	1,867818
RSD	111,514800	111,514800
RON
USD	1,122900	1,122900

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