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	4,551566	4,423952	4,253800	4,083648	3,956034	3,956034	3,956034
AUD	1	1,856519	1,840469	1,783400	1,726331	1,710281	1,710281	1,710281
CAD	1	1,655160	1,642428	1,591500	1,540572	1,527840	1,527840	1,527840
CNY	1		8,646092	8,313550	7,981008
CZK	1	26,033700	25,661790	24,794000	23,926210	23,554300	23,554300	23,554300
DKK	1		7,690951	7,459700	7,228449
HKD	1		9,464052	9,100050	8,736048
HUF	1	426,257800	418,215200	402,130000	386,044800	378,002200	378,002200	378,002200
JPY	1	175,505610	174,159450	168,270000	162,380550	161,034390	161,034390	161,034390
NOK	1		12,076103	11,713000	11,349897
SGD	1		1,543984	1,484600	1,425216
SEK	1		11,405953	11,063000	10,720047
CHF	1	0,977187	0,967800	0,938700	0,909600	0,900213	0,900213	0,900213
GBP	1	0,887661	0,879134	0,852700	0,826266	0,817739	0,817739	0,817739
USD	1	1,211771	1,201325	1,160700	1,120076	1,109629	1,109629	1,109629
RSD	1	123,088823	121,916548		112,538352	111,366078	111,366078	111,366078
RON	1		5,249660	5,047750	4,845840
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597

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	3,956034	3,956034
AUD	1,710281	1,710281
CAD	1,527840	1,527840
CNY
CZK	23,554300	23,554300
DKK
HKD
HUF	378,002200	378,002200
JPY	161,034390	161,034390
NOK
SGD
SEK
CHF	0,900213	0,900213
GBP	0,817739	0,817739
USD	1,109629	1,109629
RSD	111,366078	111,366078
RON
BAM	1,877597	1,877597

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