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*
RSD	1	123,047453	121,875572		112,500528	111,328648	111,328648	111,328648
RON	1		5,174624	4,975600	4,776576
BAM	1	2,034063	2,018417	1,955830	1,893243	1,877597	1,877597	1,877597
PLN	1	4,621116	4,491552	4,318800	4,146048	4,016484	4,016484	4,016484
AUD	1	1,719420	1,704554	1,651700	1,598846	1,583980	1,583980	1,583980
CAD	1	1,517568	1,505894	1,459200	1,412506	1,400832	1,400832	1,400832
CNY	1		8,011016	7,702900	7,394784
CZK	1	26,538750	26,159625	25,275000	24,390375	24,011250	24,011250	24,011250
DKK	1		7,692807	7,461500	7,230194
HKD	1		8,666632	8,333300	7,999968
HUF	1	417,534000	409,656000	393,900000	378,144000	370,266000	370,266000	370,266000
JPY	1	171,583930	170,267850	164,510000	158,752150	157,436070	157,436070	157,436070
NOK	1		12,081774	11,718500	11,355227
SGD	1		1,507376	1,449400	1,391424
SEK	1		11,961147	11,601500	11,241854
CHF	1	1,009041	0,999348	0,969300	0,939252	0,929559	0,929559	0,929559
GBP	1	0,898674	0,890042	0,863280	0,836518	0,827886	0,827886	0,827886
USD	1	1,109981	1,100412	1,063200	1,025988	1,016419	1,016419	1,016419

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
RSD	111,328648	111,328648
RON
BAM	1,877597	1,877597
PLN	4,016484	4,016484
AUD	1,583980	1,583980
CAD	1,400832	1,400832
CNY
CZK	24,011250	24,011250
DKK
HKD
HUF	370,266000	370,266000
JPY	157,436070	157,436070
NOK
SGD
SEK
CHF	0,929559	0,929559
GBP	0,827886	0,827886
USD	1,016419	1,016419

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