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*
PLN	1	4,545146	4,417712	4,247800	4,077888	3,950454	3,950454	3,950454
AUD	1	1,707804	1,698008	1,632700	1,567392	1,557596	1,557596	1,557596
CAD	1	1,669283	1,661296	1,597400	1,533504	1,525517	1,525517	1,525517
CNY	1		8,317608	7,997700	7,677792
CZK	1	25,712460	25,346880	24,372000	23,397120	23,031540	23,031540	23,031540
DKK	1		7,771192	7,472300	7,173408
HKD	1		9,530976	9,164400	8,797824
HUF	1	387,218000	379,912000	365,300000	350,688000	343,382000	343,382000	343,382000
JPY	1	195,535840	194,043200	186,580000	179,116800	177,624160	177,624160	177,624160
NOK	1		11,323000	10,887500	10,452000
SGD	1		1,553552	1,493800	1,434048
SEK	1		11,282440	10,848500	10,414560
CHF	1	0,966295	0,960752	0,923800	0,886848	0,881305	0,881305	0,881305
GBP	1	0,907039	0,901836	0,867150	0,832464	0,827261	0,827261	0,827261
USD	1	1,226400	1,214720	1,168000	1,121280	1,109600	1,109600	1,109600
RSD	1	123,268583	122,094596		112,702704	111,528718	111,528718	111,528718
RON	1		5,298852	5,095050	4,891248
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818

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
PLN	3,950454	3,950454
AUD	1,557596	1,557596
CAD	1,525517	1,525517
CNY
CZK	23,031540	23,031540
DKK
HKD
HUF	343,382000	343,382000
JPY	177,624160	177,624160
NOK
SGD
SEK
CHF	0,881305	0,881305
GBP	0,827261	0,827261
USD	1,109600	1,109600
RSD	111,528718	111,528718
RON
BAM	1,867818	1,867818

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