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*
CZK	1	25,887750	25,517925	24,655000	23,792075	23,422250	23,422250	23,422250
DKK	1		7,693013	7,461700	7,230387
HKD	1		9,607572	9,238050	8,868528
HUF	1	422,388800	414,419200	398,480000	382,540800	374,571200	374,571200	374,571200
JPY	1	177,226560	175,867200	169,920000	163,972800	162,613440	162,613440	162,613440
NOK	1		12,214257	11,847000	11,479743
SGD	1		1,559792	1,499800	1,439808
SEK	1		11,599266	11,250500	10,901735
CHF	1	0,972919	0,963573	0,934600	0,905627	0,896281	0,896281	0,896281
GBP	1	0,897863	0,889238	0,862500	0,835763	0,827138	0,827138	0,827138
USD	1	1,228475	1,217885	1,176700	1,135516	1,124925	1,124925	1,124925
RSD	1	123,056430	121,884464		112,508736	111,336770	111,336770	111,336770
RON	1		5,261620	5,059250	4,856880
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
AUD	1	1,868387	1,852234	1,794800	1,737366	1,721213	1,721213	1,721213
CAD	1	1,663480	1,650684	1,599500	1,548316	1,535520	1,535520	1,535520
CNY	1		8,767876	8,430650	8,093424
PLN	1	4,543006	4,415632	4,245800	4,075968	3,948594	3,948594	3,948594

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
CZK	23,422250	23,422250
DKK
HKD
HUF	374,571200	374,571200
JPY	162,613440	162,613440
NOK
SGD
SEK
CHF	0,896281	0,896281
GBP	0,827138	0,827138
USD	1,124925	1,124925
RSD	111,336770	111,336770
RON
BAM	1,877597	1,877597
AUD	1,721213	1,721213
CAD	1,535520	1,535520
CNY
PLN	3,948594	3,948594

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