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*
SGD	1		1,569256	1,508900	1,448544
SEK	1		11,397360	10,959000	10,520640
CHF	1	0,979579	0,973960	0,936500	0,899040	0,893421	0,893421	0,893421
GBP	1	0,912844	0,907608	0,872700	0,837792	0,832556	0,832556	0,832556
USD	1	1,222725	1,211080	1,164500	1,117920	1,106275	1,106275	1,106275
RSD	1	123,312158	122,137756		112,742544	111,568143	111,568143	111,568143
RON	1		5,296356	5,092650	4,888944
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
PLN	1	4,528561	4,401592	4,232300	4,063008	3,936039	3,936039	3,936039
AUD	1	1,835312	1,824784	1,754600	1,684416	1,673888	1,673888	1,673888
CAD	1	1,696035	1,687920	1,623000	1,558080	1,549965	1,549965	1,549965
CNY	1		8,569392	8,239800	7,910208
CZK	1	25,541550	25,178400	24,210000	23,241600	22,878450	22,878450	22,878450
DKK	1		7,767656	7,468900	7,170144
HKD	1		9,434984	9,072100	8,709216
HUF	1	404,686800	397,051200	381,780000	366,508800	358,873200	358,873200	358,873200
JPY	1	189,436480	187,990400	180,760000	173,529600	172,083520	172,083520	172,083520
NOK	1		12,225200	11,755000	11,284800

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
SGD
SEK
CHF	0,893421	0,893421
GBP	0,832556	0,832556
USD	1,106275	1,106275
RSD	111,568143	111,568143
RON
BAM	1,867818	1,867818
PLN	3,936039	3,936039
AUD	1,673888	1,673888
CAD	1,549965	1,549965
CNY
CZK	22,878450	22,878450
DKK
HKD
HUF	358,873200	358,873200
JPY	172,083520	172,083520
NOK

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