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*
GBP	1	0,895833	0,887227	0,860550	0,833873	0,825267	0,825267	0,825267
USD	1	1,125328	1,115627	1,077900	1,040174	1,030472	1,030472	1,030472
RSD	1	122,982143	121,810884		112,440816	111,269558	111,269558	111,269558
RON	1		5,175144	4,976100	4,777056
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
AUD	1	1,698912	1,684224	1,632000	1,579776	1,565088	1,565088	1,565088
CAD	1	1,533688	1,521890	1,474700	1,427510	1,415712	1,415712	1,415712
CNY	1		8,097180	7,785750	7,474320
CZK	1	26,182800	25,808760	24,936000	24,063240	23,689200	23,689200	23,689200
DKK	1		7,691982	7,460700	7,229418
HKD	1		8,757476	8,420650	8,083824
HUF	1	410,983200	403,228800	387,720000	372,211200	364,456800	364,456800	364,456800
JPY	1	175,088410	173,745450	167,870000	161,994550	160,651590	160,651590	160,651590
NOK	1		12,035379	11,673500	11,311622
SGD	1		1,517048	1,458700	1,400352
SEK	1		12,048782	11,686500	11,324219
CHF	1	1,017994	1,008215	0,977900	0,947585	0,937806	0,937806	0,937806
PLN	1	4,597576	4,468672	4,296800	4,124928	3,996024	3,996024	3,996024

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
GBP	0,825267	0,825267
USD	1,030472	1,030472
RSD	111,269558	111,269558
RON
BAM	1,877597	1,877597
AUD	1,565088	1,565088
CAD	1,415712	1,415712
CNY
CZK	23,689200	23,689200
DKK
HKD
HUF	364,456800	364,456800
JPY	160,651590	160,651590
NOK
SGD
SEK
CHF	0,937806	0,937806
PLN	3,996024	3,996024

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