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*
NOK	1		12,276160	11,804000	11,331840
SGD	1		1,573832	1,513300	1,452768
SEK	1		11,237720	10,805500	10,373280
CHF	1	0,971106	0,965536	0,928400	0,891264	0,885694	0,885694	0,885694
GBP	1	0,913053	0,907816	0,872900	0,837984	0,832747	0,832747	0,832747
USD	1	1,237635	1,225848	1,178700	1,131552	1,119765	1,119765	1,119765
RSD	1	123,259500	122,085600		112,694400	111,520500	111,520500	111,520500
RON	1		5,295056	5,091400	4,887744
BAM	1	2,043842	2,034063	1,955830	1,877597	1,867818	1,867818	1,867818
AUD	1	1,839600	1,829048	1,758700	1,688352	1,677800	1,677800	1,677800
CAD	1	1,685376	1,677312	1,612800	1,548288	1,540224	1,540224	1,540224
CNY	1		8,597056	8,266400	7,935744
CZK	1	25,605905	25,241840	24,271000	23,300160	22,936095	22,936095	22,936095
DKK	1		7,768176	7,469400	7,170624
HKD	1		9,530976	9,164400	8,797824
HUF	1	412,901800	405,111200	389,530000	373,948800	366,158200	366,158200	366,158200
JPY	1	192,653840	191,183200	183,830000	176,476800	175,006160	175,006160	175,006160
PLN	1	4,508445	4,382040	4,213500	4,044960	3,918555	3,918555	3,918555

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
NOK
SGD
SEK
CHF	0,885694	0,885694
GBP	0,832747	0,832747
USD	1,119765	1,119765
RSD	111,520500	111,520500
RON
BAM	1,867818	1,867818
AUD	1,677800	1,677800
CAD	1,540224	1,540224
CNY
CZK	22,936095	22,936095
DKK
HKD
HUF	366,158200	366,158200
JPY	175,006160	175,006160
PLN	3,918555	3,918555

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