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	4,537656	4,410432	4,240800	4,071168	3,943944	3,943944	3,943944
AUD	1	1,868365	1,857648	1,786200	1,714752	1,704035	1,704035	1,704035
CAD	1	1,701887	1,693744	1,628600	1,563456	1,555313	1,555313	1,555313
CNY	1		8,617908	8,286450	7,954992
CZK	1	25,674480	25,309440	24,336000	23,362560	22,997520	22,997520	22,997520
DKK	1		7,768592	7,469800	7,171008
HKD	1		9,400144	9,038600	8,677056
HUF	1	412,923000	405,132000	389,550000	373,968000	366,177000	366,177000	366,177000
JPY	1	186,072400	184,652000	177,550000	170,448000	169,027600	169,027600	169,027600
NOK	1		12,083240	11,618500	11,153760
SGD	1		1,569984	1,509600	1,449216
SEK	1		11,340160	10,904000	10,467840
CHF	1	0,967341	0,961792	0,924800	0,887808	0,882259	0,882259	0,882259
GBP	1	0,912740	0,907504	0,872600	0,837696	0,832460	0,832460	0,832460
USD	1	1,219260	1,207648	1,161200	1,114752	1,103140	1,103140	1,103140
RSD	1	123,140483	121,967716		112,585584	111,412818	111,412818	111,412818
RON	1		5,288036	5,084650	4,881264
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	3,943944	3,943944
AUD	1,704035	1,704035
CAD	1,555313	1,555313
CNY
CZK	22,997520	22,997520
DKK
HKD
HUF	366,177000	366,177000
JPY	169,027600	169,027600
NOK
SGD
SEK
CHF	0,882259	0,882259
GBP	0,832460	0,832460
USD	1,103140	1,103140
RSD	111,412818	111,412818
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