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		1,556568	1,496700	1,436832
SEK	1		11,500290	11,154500	10,808711
CHF	1	0,971669	0,962335	0,933400	0,904465	0,895131	0,895131	0,895131
GBP	1	0,903484	0,894805	0,867900	0,840995	0,832316	0,832316	0,832316
USD	1	1,216678	1,206189	1,165400	1,124611	1,114122	1,114122	1,114122
RSD	1	123,022305	121,850664		112,477536	111,305895	111,305895	111,305895
RON	1		5,272748	5,069950	4,867152
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
AUD	1	1,858497	1,842430	1,785300	1,728170	1,712103	1,712103	1,712103
CAD	1	1,663168	1,650374	1,599200	1,548026	1,535232	1,535232	1,535232
CNY	1		8,695492	8,361050	8,026608
CZK	1	25,830000	25,461000	24,600000	23,739000	23,370000	23,370000	23,370000
DKK	1		7,694456	7,463100	7,231744
HKD	1		9,514544	9,148600	8,782656
HUF	1	421,191000	413,244000	397,350000	381,456000	373,509000	373,509000	373,509000
JPY	1	180,073950	178,692750	172,650000	166,607250	165,226050	165,226050	165,226050
NOK	1		12,230238	11,862500	11,494763
PLN	1	4,557665	4,429880	4,259500	4,089120	3,961335	3,961335	3,961335

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	0,895131	0,895131
GBP	0,832316	0,832316
USD	1,114122	1,114122
RSD	111,305895	111,305895
RON
BAM	1,877597	1,877597
AUD	1,712103	1,712103
CAD	1,535232	1,535232
CNY
CZK	23,370000	23,370000
DKK
HKD
HUF	373,509000	373,509000
JPY	165,226050	165,226050
NOK
PLN	3,961335	3,961335

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